davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear TransUnion, I am writing to dispute the accuracy of information that is being reported by your company regarding my credit report. Specifically, I am disputing the XXXX XXXX XXXX account that is showing up on my report, which is reporting fraudulently. 
I have previously requested a debt validation from the business, and it was revealed that the account was opened on XX/XX/XXXX, whereas the statement that was sent to me by a XXXX XXXX XXXX representative stated that the loan kicked in on XX/XX/XXXX, and that was when it started reporting. This is a clear contradiction and it is very concerning that XXXX XXXX XXXX is reporting such inaccurate information. 
Furthermore, the statement also stated that a late payment of XXXX was billed weekly, which is fraudulent. Additionally, the address on the paper has XXXX XXXX XXXX, XXXX Florida, while the statement shows my actual address in XXXX. This is a clear indication that this account has been fraudulently reported and it is sad that TransUnion has continued to report it as accurate. 
I would also like to inform you that an identity report has been filed with the FTC, and I will be pursuing legal ways to ensure that this account is removed from my report. It is important to note that the account has been charged off since XX/XX/XXXX but still reports a balance every month, and the business can not even provide that in a statement. 
Therefore, I request that you remove this account from my credit report immediately, and include the violation code that was violated in your response to my dispute. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX * 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable investigation of disputed information on a credit report * 15 U.S.C. 1681i ( a ) ( 2 ) : Failure to review relevant information submitted by the consumer in support of a dispute * 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to correct or delete inaccurate information on a credit report
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

It was yesterday the XXXX of XX/XX/2023 when I was alerted from my afternoon nap by an email from PayPal saying they have canceled my withdraw to bank and they have limited my account and I won't be able to touch the funds in my account. I have been using my PayPal account since I opened it without any problems a few months now. It is a personal account that I use to receive gifts and withdraw them to bank account, no business of any kind. Since opening I have been receiving payments from one sender every now and then. Yesterday I received a gift amounting to XXXX in my PayPal account from a friend, this makes her a second person to ever send me money in my PayPal account. This money came in 5 transactions to be used for different purposes during XXXX holiday. After withdrawing to my bank that is when paypal, without any reason deciding to cancel the withdraw and limit my account. They asked for three documents, I submitted two waiting to get the third document next week because I don't have it handy. Then I saw that paypal has permanently suspended my account and held back all the money. In this case, I didn't commit any fraud, there are no suspicious transactions and nothing at all. I have contacted them throughout but they have been rude, unhelpful and they are using racist and renegade artificial intelligence to block accounts without any problems. If you investigate, you will find that I'm saying the truth. I'm here to seek help from this behavior and they should reopen my account without further discussions because I did nothing wrong.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I made an attempt to deposit my XXXX of California XXXX check through my $ XXXX cash app. To facilitate the mobile deposit process with Cash App, they require the inclusion of " cash app deposit '' beneath the signature. By endorsing it to Cash App, I authorized them to cash the check. However, they rejected the deposit, citing an issue with the endorsement. I followed their instructions by signing the check and including the necessary information, but they failed to provide an explanation regarding the specific problem with the endorsement. Consequently, they advised me to take it to another financial institution. However, endorsing it to Cash App prevents me from doing so, as it is already endorsed specifically to them. This leaves me in a predicament where Cash App 's requirement to endorse the check to them is, in effect, rendering it impossible for me to seek an alternative solution elsewhere. I find this situation unreasonable on the part of Cash App.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (MO)

Received an email indicating it came from Wells Fargo Support subject line your account has been suspension quickly verify online banking reference XXXX Stating there has been behavior that appears to be out of the ordinary XXXX XXXX XXXX sign into online account here. 

Best to my recollection, I do not have an account with Wells Fargo support, so I am reporting this as phishing scam fraud
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I was informed that XXXX XXXXXXXX XXXX made a hard inquiry on my credit report on XX/XX/23. I did not authorize this inquiry, or apply for any sort of loan, mortgage, or credit card.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I received a notice on my credit alerts that a collection was filed on me in XXXX of XXXX in the amount of {$130.00}. As I always try to protect my credit and am a very busy person i just called and paid the {$130.00}, not knowing it would affect my credit. I am currently in the process of buying a new home and have found out that this collection is drastically affecting my credit score and the debt is actually not mine. I called ProCollect today and the collection is actually associated with my ex-wife 's address ( XXXX XXXX XXXX XXXX XXXX Tx XXXX ). Had I known at the time that it would affect my credit so much or that it was actually my ex-wife 's debt not mine ( see attached divorce decree ) as she was awarded the home in XXXX of XXXX and the collection is from XXXX of XXXX and it hit my credit report in XXXX of XXXX, I would not have paid the small bill. 

Below is the a copy of the collection from my credit report, this is drastically affecting my credit score for a debt that I actually didn't owe ( but did pay to save myself time and because my business keeps me very busy ) and now could cost me thousands in finances costs to purchase a new home. I request that the collection be deleted from my credit report.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK (MS)

I got into XXXX XXXX last year and missed a a couple of payments on my mortgage. I talked to a rep with a plan in catching up my payments while also seeking out mortgage help through XXXX XXXX. During the process of applying through XXXX XXXX, I was still making payments on my mortgage with the intent of catching up by paying more than the monthly payment. The last payment that was accepted was on XX/XX/2023 and I've sent 2 more payments since then to attempt to honor my obligation. I was sent a letter stated that per my mortgage loan that my payments are being sent back. I emailed the debt collector from the bank and asked where in my paperwork was that stated. She refused to tell me or respond through email. I want to communicate through email for XXXX XXXX purposes on my end. In my contract with them, there is no such wording from what I read that gives them the right to deny my payments. I asked a legitimate question and they failed to respond with an answer.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX has violated my rights. Or the list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit report, and noticed my XXXX XXXX account ( Account number XXXX ) was not reporting accurately. It showed i had a late payment, that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX Last XXXX of SSN - XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification credit acceptance account number XXXX XXXX account number XXXX XXXX  account number XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately.