davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the inaccurate account in my report : XXXX XXXX Balance : {$440.00}
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NC)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
- [ ]
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NY)

I believe the charge-off is inaccurate due to the inconsistency in the dates and balances across the Following XXXX bureaus XXXX XXXX XXXX XXXX XXXX XXXX in accordance with FCRA specifically Section 623 ( 15 U.S.C 1681s-2 Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1500.00} {$1500.00} {$1500.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1500.00} {$0.00} {$1300.00} Credit Limit : {$1300.00} {$1300.00} {$0.00} Past Due : {$1500.00} {$1500.00} {$1500.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Consumer disputes- reinvestigation in progress Consumer disputes this account information Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Yet It Still Appears On My Credit Report Pass The Statue Of Limitations I kindly ask that this entry be removed from my credit report. Additionally, please update me on the outcome of your within 30 days as mandated by the FCRA.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (AL)

To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Consumer complaint received 2024-09-02
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. (MA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-02
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. (NC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (CA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below. XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (GA)

This Account Doesnt belong to me please remove : creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THANKS
Consumer complaint received 2024-09-02
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. (OK)

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-02
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (KS)

Shared phone number on dating app, got a text with my XXXX  and them logged into my XXXX account threatening to send the photos to my friends list. 

I called what i thought was facebook customer support but was a scam as well and they said they needed to set a trap with XXXX  to catch the hacker and stole XXXX from me and my friends
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSKY OPERATIONS, LLC ()

We were interviewing contractors to install a new fence around our property. XXXX XXXX XXXX XXXX XXXX contact us via landline and we agree to have them come over to explain the process they sent over two reps who gave us a price to install the new fence. 
We were impressed with their rep so decide to go with them. They wrote up the contract for {$24000.00}. and I gave them deposit of {$1000.00} dollars with my debit card. They stated the payment would be in XXXX XXXX payments as the work is being done. We made an addedum to the contract which then was {$19000.00}. Phase 1 {$6300.00} and Phase 2 {$6300.00} and Phase 3 {$6300.00}. On XX/XX/year> XXXX XXXX came did to do pre-measurments. We stated we were trying to find a good interest and want to go to our credit union but needed to find out my husband credit score. XXXX said he could do that on his phone. He took my husband information and ran it. Unbeknownset to my XXXX XXXX XXXX husband XXXX has signed him up for a credit line with Greensky. We started getting bills and called Greensky and asked what was the bill for. They said your contractor billed them because he finished the job. We stated he hasn't even started. They told us to tell him to send the money back. We called XXXX and ask why did he open this account and why did he bill them for work he hasn't even done. XXXX got paid for the Phase XXXX, XXXX and XXXX all in the same day. We went to the XXXX XXXX XXXX who contact XXXX and he was supposed to pay us back but refuses to this day. Greensky keeps sending us bills and has sent my husband to collections and put a negative report on his credit so we can't get a loan from the credit union to get a new contractor to come and do the work that XXXX never did.
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery- they continue to update the balance for new dates dinging my credit, I never owed them I never payed them they didnt want to settle for less I tried to pay them .how do they get to keep updating the balance owed and or dates? Thats not right
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I just started an XXXX XXXX and started receiving letters of fake important documents of things I have to pay for my business. These documents did a good job looking like NY State officials and since this was my first time starting an XXXX XXXX and didn't know I will start receiving scam I feel for it. The reason I noticed it was a scam is because days later I got a similar document with a different company name saying I have to pay for the certain licensing when I already paid it. Therefore I started to look online and found out it was a scam. I called my bank and they wouldn't reimburse me.

One of the documents was labeled NY Certificate Service the date of the money order was XX/XX/year> for {$87.00} Another document was labeled Business posting Department, the date of the money order was XX/XX/year> for {$92.00} The last document was labeled NY Corporate Certificates, the date of this money order was XX/XX/year> for {$87.00} I called TD bank to see if I can get my money back since most banks will give you the money if you were scammed. They said they will not give me the money back due to willingly sending the money to the scam business. Which I understand but the document seemed legit and it wasn't my intent to get scammed. Most banks will still send you the money in a situation like this.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (CA)

XXXX XXXX  the creditor reported inaccurate information after they have been receiving payments on time and after contacting customer service regarding the issues that they have caused me by not correcting the information after speaking with their customer service representatives that are not doing their job as requested by phone or letter.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

I have tried to have NewRez pay my County and City taxes from Escrow. I first contacted them on XX/XX/XXXX via chat to notify them that my taxes had not yet been paid and were due XX/XX/XXXX. I was told a request was submitted. I also sent the tax invoice to them via their " Contact Us '' email option on XX/XX/XXXX. The e-mail was never answered. I spoke on the phone with a customer service representative on XX/XX/XXXX and was told that another request was made. Today is XX/XX/XXXX -- I spoke to someone on the chat who told me that all requests had been cancelled, though taxes hadn't been paid. I called by phone and was connected with someone in the " Tax Department '' who told me they would initiate an investigation into the matter but they still would not tell me when my taxes would be paid.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION (IN)

On XX/XX/year> I requested UMB Bank send my funds to my new XXXX XXXX. They waited till XX/XX/year> to close my account, in the closing process UMB took back the earned interest for XXXX in the amount of {$0.00} and charged a {$25.00} closing fee. They then waited until XX/XX/year> to mail the check. As of XX/XX/year> the new institution has not received the funds. I have asked that they reissue a check. I was told that they will charge additional fees for this. At this point they are stealing from me.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to get my credit report from TransUnion and they keep stating they are unable to give me access to my credit report and that my identity can not be verified even when I put in my personal information and correct verification answers to the questions given. This is a violation of FCRA and XXXX laws because I the consumer must be given access to my credit report annually.
Consumer complaint received 2024-10-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (PA)

On XXXX, Direct Express debited {$300.00} without informing me. They did not contact me they withdrew they money without me knowing. Service Request number XXXX was a request for them to correct the error they made. I request all documentation used with service request number XXXX, that service request caused the reverse of {$300.00} on XXXX. If {$300.00}, is not returned to my account I will proceed with a civil claim in small claims court.
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: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
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: Experian Information Solutions Inc. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (NY)

Hello my name is XXXX XXXX XXXX, i am writing this complaint because there were two recent hard inquiries reported to my credit profile that i DID NOT approve of or authorize. I believe my ssn were used for this attempt but i have no participation in them. I have called the two credit bureaus linked to the inquiries and they refuse to help me. They are not respecting my request to remove these inquiries. I did not consent to them. PLEASE help as my credit image is affecting by these. XXXX and Experian are no help at the moment.
Consumer complaint received 2022-12-03
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. (CA)

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 XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX has violated my rights.

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. This is fraud i have police report