davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history and demand that you investigate the accuracy of the accounts listed below : XXXX XXXX  account number : XXXX XXXX  XXXX. account number : XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of XXXX XXXX on-time payments. 

I expect to receive written documentation confirming the removal of these entries within XXXX days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. Here I leave XXXX Attachments as proof. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/XXXX between XXXX and XXXXXXXX XXXX i entered the capital one cafe XXXX hr atm lobby located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX to make a cash deposit in the sum of XXXX $ $ in cash at the secure atm the atm ate the money started giving error codes gave me my card back no made a bunch of noise then said error not taking cash deposits and did not print receipt i then checked my account and there was no record of the deposit so while still at the atm i called the number on it and was assured that as soon as they opened they would count the money and see the overage to call back in the am after a restless night as the money i deposited was to pay medical stuff i need done.so i call as soon as they open they say they are working on it still nothing now this should be a simple fix some one goes to atm counts the money sees the overage and all is good that is not the case after calling muiltable times the main supervisor now tells me they havent even started the investigation the will not credit my account even though i am in there bank on camera making deposit she then tells me that they haven't even sent someone to the atm to do a count and that it could take 45 days how is this possible my bills are do now they are doing absoulutly nothing to help me please please tell me what to do i am about to have late payments on my credit an my surgury postponed if not resoved
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

I bought and sold crypto on the Venmo app and when I sold the crypto it was supposed to transfer {$930.00} to my regular venmo balance immediately. Now my account still Says there is XXXX $ in it and Ive spoken to two different Venmo agents who both agreed that my money should have been transferred immediately and have no idea where my money is and that a team of engineers is working on the issue. They gave me no timeframe on when I might hear back from them and both ended that chat early. I simply want my {$930.00} back and after that I will never be using Venmo again
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history and demand that you investigate the accuracy of the accounts listed below : XXXX XXXX  account number : XXXX XXXX  XXXX. account number : XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of XXXX XXXX on-time payments. 

I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. Here I leave XXXX Attachments as proof. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024
Consumer complaint received 2024-09-27
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 understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (WA)

Lexisnexis provided false motor vehicle reports to an auto insurance company which caused my insurance premiums to increase by 50 %. They dont provide a timely correction process. My choices were to pay the extra insurance premiums until the motor vehicle issue was resolved.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I have been on mortgage forbearance with XXXX XXXX regarding my VA home loan as a result of my XXXX as a 100 % total and permanently XXXX Veteran. We have never come off forbearance. We have been attempting to avoid foreclosure and are waiting for the lender to get ready to implement the Veterans Affairs new purchase option which would put the missed payments on the back end of our loan and remain current, with no negative credit reporting. We have been contacting XXXX almost weekly checking in on this for over a year. 

XXXX recently reported our credit 180 days late stating we came off forbearance in XXXX and were just put back on in XX/XX/year>. This is inaccurate as we have been in forbearance as we requested to extend in XXXX, which was granted while we wait for them to implement the new VA program ( XXXX ). We have never come off nor were notified we had come off. 

I requested this to be reversed, as per VA 's guidance, Veterans are not to be negatively reporting while waiting for lenders to get this program up and running. They denied my request and have not provided documentation when asked via phone or in writing to support our claims that we were extended in XXXX. Furthermore, I can not get an explanation as to why, if we were taking off forbearance, we never received notification. 

This is an immense hardship that has damaged our credit beyond repair as we already navigate a very difficult situation and has had immense effects on my already unstable mental health as a direct result of my military service.
Consumer complaint received 2024-08-20
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: TD BANK US HOLDING COMPANY ()

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Consumer complaint received 2023-10-05
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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
Consumer complaint received 2024-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

Marcus by Goldman Sachs closed my account for no reason which is fine, but I have XXXX $ in the account and they have not sent it back. I have verified all information asked of and Everytime I call its excuse after excuse, its been over a month trying to retrieve my funds and still nothing
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AR)

I have contacted the company IQ Data International multiple times regarding an alleged debt owed. They are rude & unprofessional. The guy I speak with only prompts me to pay the amount owed. My first problem is that the amount is inaccurate. The original entity that charged the debt had inaccuracies on the final bill statement provided. The first inaccuracy being the amount charged, as they charged us for late or not returned items, and that entity were the ones who would not accept the items in XX/XX/XXXX stating that it was already sent to collections. However, that was false as the amount owed was not sent to collections until months after XX/XX/XXXX. Furthermore, when they provided the final statement, my name was not included. Therefore, I was not aware of the responsibility of the balance owed. ( I will provide final statement ). After months have passed, I see the collection on my credit report, although I had received no communication about the debt. When I contacted IQ data international about the debt multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they will not provide me with any details regarding the debt. All they ever say is I can pay the debt to get it removed. However, I stated to them the inaccuracy of their reporting. They will not explain why there is interest being added to the rental debt, and they will not provide me or creditors with documents that support the charges occurred. I have asked for pictures and invoices that confirm the charges that were occurred by the original entity. They will not provide me with any information or change the accuracy of the report. They claim it is a joint account, yet the amount is not split jointly, and as Ive stated, my name does not appear on the final statement. Please help.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

Beginning XXXX XXXX I began conversations with Cash App support bc my account was hacked and monies stolen. Im trying to get the account closed bc the account is compromised now. Im continuing to get codes from someone else trying to access the account. Cash app doesnt reply and or replies with questions only no resolution.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

XXXX : Formal Complaint Against Chase Bank Dear CFPB Hello! 

I am writing to formally lodge a complaint against Chase Bank regarding an unresolved issue that began in XXXX. 

**Issue Description** : In XXXX, I wrote a check to my friend, who deposited it into his bank account. However, this caused his account to be closed. When my friend went to his bank to inquire about the status of the funds, he was informed that the money had been returned to my bank account. 

In XXXX, I contacted Chase Bank by phone and requested that they file a claim with my friend 's bank to recover the funds, but I never received any follow-up or response. Due to work commitments, I was unable to visit the bank in person to discuss this matter with their staff. 

**Recent Developments** : In XXXX, I finally had time to visit the bank in person. However, the bank staff informed me that it was too late to file a claim due to the amount of time that had passed. I am extremely dissatisfied with this response, as I had initially requested a claim back in XXXX and received no action or communication from the bank. 

**Expected Resolution** : I hope that Chase Bank will take this matter seriously and take appropriate measures to recover the withheld funds or provide another reasonable solution. 

Thank you for your attention and assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. Your agency is in violation! 
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 XXXX 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/year>
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I am a victim of identity theft & fraud as my wallet was stolen back in 2023. There was line of credit & charges ( $ XXXX ) was taken out from XXXX XXXX ( Re : XXXX XXXXXXXX XXXX XXXX. I did not open this credit account nor make those charges. I have called & written the debt company, Midland Credit Management to inform them of those fraudulent charges, but they continue to send me letters asking for payment. Most recently on XX/XX/XXXX, I received a letter notifying me the were going to turn me over to a lawyer for a possible lawsuit against me. I have written them again to inform them that I will not pay for a debt that I did not open.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 


Account Name : XXXXXXXX  XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!