davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

Under the fair credit reporting act, 15 U.S.C, 1681g I have the right to demand the 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 account that you are reporting in my credit report please dont respond to my request by saying that this account have been verified send me copies of the documents theta you have in your file that were use to verify it.

If you do not have any documentation in your file to verify the accuracy of the dispute account then please DELETE IT IMMEDIATELY as requested under Section 611 ( a ) ( 5 ) ( A ) ( I ) .By publishing this inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthinesss Under the FCRC 15 U.S.C ., 1681li 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 above within 30 days of receipt of this letter then you must remove these accounts from my report.,
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Under the fair credit reporting act, 15 U.S.C, 1681g I have the right to demand the 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 account that you are reporting in my credit report please dont respond to my request by saying that this account have been verified send me copies of the documents theta you have in your file that were use to verify it.

If you do not have any documentation in your file to verify the accuracy of the dispute account then please DELETE IT IMMEDIATELY as requested under Section 611 ( a ) ( 5 ) ( A ) ( I ) .By publishing this inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthinesss Under the FCRC 15 U.S.C ., 1681li 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 above within 30 days of receipt of this letter then you must remove these accounts from my report.,
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

So, it's XXXX really bad events happens. 

I opened account in XXXX of XXXX  and I deposited XXXX checks to my new account. 

The first check was my payroll from my company. Check for {$5400.00}. 
The second check was my balance from previously closed account by XXXX ( {$10000.00} ). Both check was not cleared for more than 10 days. 

After that TD Bank closed my account and send me letter about closing. I showed up and requested to return my money from closed account. It took for them another month and they told me : XXXX. Check for {$5400.00} was claimed by XXXX ( which is not true - I was at chase next day and nobody claim the check, now XXXX is doing investigation ), XXXX. They gon na send my balance to my mail in 5 days. 

After 20 days of waiting- I have nothing in my mailbox. No checks, no letter. I have no access to my online account, I can not verify the balance. Customer support can not verify if check was sent to me or not. Bank is keeping silence. All my actions to talk to talk to branch manager- have no success. He is calling to someone and promising that check will be sent but nothing is going on. TD bank hold my money for 2 month already and I can do literally nothing.
Consumer complaint received 2024-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Cash app took {$76.00} out of my account then froze my account. My social security check was direct deposited a couple days later and I am unable to touch my money even to withdraw. I have called numerous times and they tell me that my complaint has been escalated. I am unable to pay my rent or purchase groceries and prescriptions.
Consumer complaint received 2024-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

FAXED IN MODIFICATIONS ON 1ST AND 2ND SAME TIME!!!!!!!!!! 2ND APPROVED NEVER ANYTHING ON 1ST WAS SENT AND SPS LOST A PAYMENT ON THE 1ST. AND HOMEOWNERS INSURANCE THEY DIDNT PAY, ILLEGAL TO FORCE PLACE INSURANCE.
Consumer complaint received 2024-08-31
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. (PA)

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.

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 a 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 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 2024-08-31
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)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ list account types ( example : a personal loan or loans, a credit card or credit cards, and any other accounts ) ] from XXXX XXXX XXXX  with a balance of {$1000.00}, XXXX XXXX XXXX with a balance of {$1000.00}, and XXXX XXXX XXXX with a balance of {$270.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-19
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I checked my credit report and I notice inquiries that I don't recognise. XXXX  XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

I recently discovered that my personal information has been used without my authorization. This unauthorized use has resulted in fraudulent activities, including the opening of accounts and transactions that i did not initiate. I am concerned about the potential impact on my financial standing and personal security.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX keep suspending my account requiring identity over and over. I have accumulated funds they won't let me access and keep requesting identity verification. As of XX/XX/XXXX I've done XXXX police reports on them. My email with their information is blocked. After I reported identity theft and stolen card they closed my account stating I requested it. I even have a case XXXX helping and they still refuse to even send my money back to XXXX like they got it through direct deposit. I'm accumulating even more evidence of emotional distress. My situation or continuing situations is because I can't access my funds. XXXX XXXX XXXX absolutely refused to send back to social security because they're not FDIC insured and have also my accumulated social security income both organizations since XX/XX/XXXX have refused to give me my money
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (PA)

Hello, midland credit told me I didnt need to go to the court hearing and now they got it by default even tho they dont have my correct birthday or correct info. They scared me so I started paying on it until my husband told me thats not even your debt why are you paying on that. My social security number was stolen and we had a credit freeze for an extended period of time
Consumer complaint received 2024-10-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (DE)

The mortgage company took out {$1800.00} extra out of my escrow then tried covering it up. We did a three way call with the county that the write the check for to pay my taxes and the county told them it was only {$570.00} what I owed. They wrote the amount for {$2200.00}. I called them weeks in advance and told them I did not owe what they took out and up until last week they just kept denying it and saying it was the correct amount when in fact they were wrong. Now every time I call nobody will help me and they just say sorry nothing we can do even though they took the money out of my escrow. The county told them they wrote a check for way to much and they should have listened when I told them I did not owe that much
Consumer complaint received 2024-08-31
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. (AL)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX I mailed payments to Macys and Bloomingdales. The payments were both made to Bloomingdales. I called daily to have this corrected. Then the payment was made on Macys correctly in XX/XX/XXXX or before. The Bloomingdales account showed I owed {$3700.00} which was wrong and that amount was not corrected until XX/XX/XXXX. But Bloomingdales reported to all 3 credit bureaus I was over my limit and dropped my credit score from XXXX to XXXX points. I need Bloomingdales to fix this. I was given the run around when I called customer service and was told the department that could correct this was closed due to hurricane Milton. This is unacceptable. I need this fixed as soon as possible because its their fault and Ive been dealing with this for over 30 days.
Consumer complaint received 2024-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

the date was XX/XX/XXXX, at XXXXXXXX XXXX. The amount was {$190.00}, and from the date XX/XX/XXXX to XX/XX/XXXX, I have only received one refund of the two duplicates. 

In accordance with the natural processing of situations like this, I repeatedly filed dispute claims to no avail ( excluding the one time I was refunded, after being refused.. ). To this day, though there was one refund that was sent, the second duplicate has not yet received that level of attention. Attached below are some documents that I was sent to provide some insight on how this outcome was determined, however, these documents are only summaries of the transaction and not a detailed reasoning as to why I was refunded for one duplicate but not the other.. I have also included screenshots of emails sent to of when I did receive the initial refund that was aforementioned in the beginning of this paragraph, but even when referencing this duplicate I received no further communication or assistance with understanding as to why we have the different results for the same transaction that was not handled individually..
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 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 XXXXXX/XX/year>
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 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 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (WA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge OFf : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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: DISCOVER BANK (TX)

YOU HAVE NO MORE TIME TO FIX THE ISSUE : XXXX Discover Bank Delete the account. OR provide me with the 1099, point of contact and how they verified the information even though it's not the same on all reports and how doing that can be considered accurate, as well as a notarized letter stating the CEO/CFO is aware of the issue and the debt is NOT already paid, been in collections, a tax write off or in que to be, and a pay to delete is not and has not been an option even though I should had been told it was. 

Law 15 usc 1681 Treatment of inaccurate/verifable info 5A : 3a.Factual dispute : date of last activity, factual dispute : pmt Factual disputes inaccuracies : 1 reaging the account is illegal ( you did that ) 2 Misrepresentation of the account status ( Not unanimous ) 3 Not reflecting a 0 after sold/trans/paid ( its a charge off ) 4 Inconsistent balance across 3 bueros 5 DAte of first delquincy illegally changed ( switched when updated after I reported the account then changed back after it was " verified '' ) 6 Changes after 180 days charge off status ( you are still showing it as CO but there should be 0 updates on a closed account let alone a Charged off account.

This has took more than 30 days and I have the right to get it removed.

Attached is certifed mail from the company not responding to my request and you guys allowing it.

Another violation : THE DOCTRINE ENGELHARDT ( MO ) 281 SW 715./13.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT.

send gifOMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I am writing to follow up on a previous dispute I submitted regarding an unauthorized account with XXXX XXXX, which is currently listed on my consumer report with ChexSystems. Despite my request for its removal, you have failed to comply within the laws within consumer rights.

Per 15 U.S.C. 1681s-2, you are obligated under the Fair Credit Reporting Act ( FCRA ) to ensure that all information on my consumer report is accurate and free of errors. Failure to correct or remove inaccurate information violates my consumer rights!!! If this issue is not resolved and the XXXX XXXX XXXX XXXX XXXX isnt removed from my report, I will have no choice but to pursue legal action! Ive submitted all documentation on this matter as its been over 2 years and this info shouldve been removed!
Consumer complaint received 2024-08-31
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)

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- XX/XX/XXXXACCOUNT NUMBER- XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.