davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

Dear MACYS/CBNA ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. In my dispute letter, I explicitly requested that TransUnion provide specific information on how they verified the accuracy of the disputed items, including : The date they contacted the creditor/furnisher. 
Contact information for the creditor/furnisher. 
Name of the person who verified the item. 
Method of communication used to verify the information ( phone, email, mail ). 
Whether the creditor provided my SSN, address, and date of birth. 
However, I have not received any response from TransUnion regarding my request. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, the bureau is required to provide the consumer with the results of the investigation, including specific details on the verification process if requested. 

TransUnions failure to respond to my dispute and provide the requested verification details is a violation of the FCRA. As a consumer, I have the right to accurate information in my credit report and to receive a thorough investigation into any disputed items.
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

Subject : Urgent Resolution Needed for Long-Standing Dispute with Venmo I am writing to seek urgent assistance regarding a persistent issue with my Venmo account that has been unresolved for nearly five years.

Account History and Issue Overview : Venmo Account Since : XX/XX/XXXX Incident Date : XX/XX/XXXX Disputed Amount : {$150.00} In XXXX, during a peak period of online fraud, {$150.00} was fraudulently transferred from my Venmo account. Upon discovering this, I immediately contacted Venmo, who instructed me to dispute the charge through my bank, as the funds were withdrawn directly from my bank account.

Actions Taken : Dispute Initiated : I followed Venmos guidance and reported the issue to my bank, which successfully disputed the charge and refunded {$53.00}.

Account Unlinked : To prevent further unauthorized transactions, I unlinked my bank account from Venmo and obtained a new debit card.

Despite these actions, Venmo hasn't acknowledged any of this and says I owe them the remaining {$100.00}, which has been both confusing and frustrating.

Ongoing Issues : Unresolved Dispute : The matter remains unresolved, and all attempts to reach a satisfactory resolution have been unsuccessful.

Lack of Credit Report Impact : This issue does not appear on my credit report, making it more challenging to address through standard dispute channels.

Recent Interaction : My last interaction with Venmos customer service was unhelpful and unprofessional. I was denied access to necessary account information and evidence related to the fraud, with a representative dismissively stating, " no I don't care. '' Request for Immediate Resolution : I kindly request a thorough and prompt review of this issue. Specifically, I seek : Please treat this matter with the urgency it requires. I appreciate your immediate attention and look forward to a swift resolution.

Thank you for your cooperation.
Consumer complaint received 2024-06-20
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-28
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (GA)

XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of Federal Debt Collection and Credit Reporting Laws Dear Sir/Madam, I am writing to file a formal complaint against THE BUREAUS for violations of federal laws governing debt collection practices and credit reporting. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been infringed upon. The specific regulations that have been violated are as follows : 1. 12 CFR 1006.34 ( b ) ( 5 ) : According to this regulation, debt collectors are required to provide specific information regarding the debt, including the name of the creditor to whom the debt is owed. In my case, THE BUREAUS failed to provide this information, which has left me unable to verify the legitimacy of the debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that debt collectors must provide information about my right to dispute the debt. THE BUREAUS did not include this critical information in their communication with me, thereby depriving me of my legal right to dispute the debt within the 30-day period.

3. 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to send a written validation notice within five days of their initial communication with me. THE BUREAUS did not send this notice, which is a clear violation of my rights under the FDCPA.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Under the FCRA, specifically this section, furnishers of information to credit reporting agencies must correct and update information to ensure its accuracy. Despite my repeated requests, THE BUREAUS has failed to correct the inaccurate information they reported to the credit bureaus, negatively affecting my credit score and causing undue harm.

Given these violations, I request the CFPB 's immediate intervention to ensure that THE BUREAUS complies with federal laws. I also seek the removal of the erroneous information from my credit report and appropriate remedies for the distress and financial harm caused by these unlawful practices. 
Please find attached copies of all relevant correspondence and documentation to support my complaint. I am available for any further information or clarification needed to expedite the resolution of this matter. 
Thank you for your prompt attention to this serious issue. 
Sincerely,
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (MI)

XXXXXXXX XXXX is reporting incorrect information as of today XX/XX/year> and this information should be removed off of all credit bureaus because its improper incorrect and its not true. Its fraudulent. 
Please be advised that as of today XX/XX/year> there are several frauds/ or unauthorized information on this account, and I owe less on this debt as of today, but it shows a charged off debt on my credit report. This is incorrect and I will file a lawsuit against you for falsifying information! Im making payments every week to discover! 

Account # XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DailyPay, Inc (GA)

I started working a new employer near the end of XXXX and enrolled in Daily Pay, which was available to me only once. After being able to clock in and out correctly the earning that are supposed to be available are not or are delayed by days and days. I chat and call only to be hung up on, disconnected in chat or just told to wait XXXX hours. I have reached out to XXXX different representatives and i still have yet to speak with the escalations department. I am given promises of a phone call and have even been told that my issue will be resolved in XXXX hours. I have been waiting almost a week now and i have not received anything that i earned since XXXX. Because of this delay in my earning i am in the hospital due to my declining health since i can not get the medication i need for my heart. I have responded to an email that was sent to me but i have not heard anything and i can not continue to wait. I hope this does not end in a tragedy for me but because of the urgency and seriousness of this and me not getting any answers from Daily Pay then i may end up on a ventilator due to not having the medicine i need
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo claim # XXXX for disputed transactions totaling for a total of {$20000.00}. On XX/XX/XXXX I discovered fraudulent charges on my debit card by a company claiming to be XXXX over a period from XXXX to XX/XX/XXXX. These charged were not from XXXX and do not appear on any of my XXXX orders and many of the fraudulent transactions were for the same amounts. When I found the fraudulent charges, I immediately called Wells Fargo and audited all of my legitimate XXXX transactions and filed for fraud on the illegitimate fraudulent charges. Wells Fargo immediately gave me a credit for the fraudulent charges from XXXX to XX/XX/XXXX at the amount of {$1900.00}. They also gave a me a credit for another {$3600.00} while they investigated the other fraudulent charges and then took that back and sent me a letter claiming I waited too long to notify them and that " based on the information available to us " Wells Fargo '' we found the charges were made by you " XXXX XXXX '' or someone who had your permission. The charges were not by XXXX and were from a fraudulent entity and XXXX XXXX is claiming I am lying. Unacceptable. I am filing a police report and grievance and will also get legal counsel. They paid some and rejected the others and all were from the same fraudulent entity claiming to be XXXX but was not XXXX and no goods or services were ever shipped or ordered. This is debit card fraud. Amazing to me that Wells Fargo paid just a few of the fraudulent charges and rejected all the rest.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Despite my multiple attempts to rectify this situation, these fraudulent items remain unaddressed, causing me substantial XXXX and financial XXXX. I would like to provide a brief overview of my efforts to address this matter : I first became aware of fraudulent items on my credit report and financial accounts. I immediately took steps to report the fraudulent activity to the relevant authorities and my financial institutions. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report and have not been adequately addressed by the credit reporting agencies or the financial institutions. This ongoing issue has caused me significant XXXX and financial XXXX. I trusted that, as a victim of fraud, I would receive timely assistance and support from the relevant parties. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report and financial accounts. Kindly help me remove the following items immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO ()

Banco Popular de Puerto Rico informed XXXX and other credit bureaus that my XX/XX/2018 mortgage loan ( account no. XXXX ) payment was 60 days late. That is incorrect. 

On XX/XX/2018, I made the payment for {$4500.00} and was provided confirmation number XXXX by the bank representative.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft and a victim of the Equifax Data Breach. I have noticed some unauthorized accounts on my credit report that I have not benefited from. Also, I have oldstudent loans still showing up, even those that I have made payment arrangements with, that are hurting my scores tremendously. I need these NEGATIVE AND FRAUDULENT accounts removed IMMEDIATELY!
Consumer complaint received 2024-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

My federal student loans have repeatedly been placed in administrative forbearance through no fault at all of my own. Mohela repeatedly told me interest would not accumulate during these periods, but that was a lie as it has continued to accumulate. I called multiple times and they said that they would remove the interest that accumulated during these periods, but they have never done that despite telling me that they did. I now owe {$2000.00} more in interest due to them placing me in administrative forbearance despite me calling to request getting out of administrative forbearance early every time. They now tell me that interest does accumulate during these periods and there is nothing I can do about it. I was not able to take full advantage of the SAVE plan while in their administrative forbearance. They deceived me and I now owe thousands of dollars more due to their incompetence.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports