davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (NJ)

I am writing to request the immediate blocking and deletion of the following fraudulent accounts 
from my credit report. I am a victim of a recent data breach and identity theft. These accounts 
were opened without my authorization, and I am invoking my rights under 15 U.S.C.  1681c2(a) and FCRA  605(b) to have fraudulent information removed from my credit report.
Accounts to be Blocked and Deleted:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (FL)

Subject : Dispute of Violations of GLB Act, FCRA, and Fair Credit Reporting Act I am writing to file a formal dispute regarding the violation of my rights as a federally protected consumer by the consumer reporting agencies, namely XXXX XXXX, XXXX. It has come to my attention that these agencies have breached the provisions outlined in the Gramm-Leach-Bliley Act ( GLB Act ), the Fair Credit Reporting Act ( FCRA ), and the Fair Credit Reporting Act 's Civil Liability for Willful Noncompliance . 

Under the GLB Act, it is mandated that consumer reporting agencies safeguard personal information to ensure privacy. Unfortunately, the aforementioned agencies have failed to comply with the GLB Act, thereby putting my personal information at risk and compromising my privacy. 

Furthermore, the consumer reporting agencies have violated the FCRA, particularly 15 U.S. Code 6801, which pertains to the protection of nonpublic personal information. As a result, my rights as a consumer have been compromised and I am experiencing direct harm, which is inhibiting my ability to establish good credit and acquire a rental property. 

Additionally, the agencies have disregarded key provisions of the Fair Credit Reporting Act, including 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. Their actions not only demonstrate negligence but also a willful disregard for the laws put in place to protect consumers like myself. 

Moreover, the agencies have violated 15 U.S. Code 1681a, which outlines definitions and rules of construction within the Fair Credit Reporting Act. By neglecting to adhere to these definitions and rules, the agencies have further compromised the accuracy and integrity of consumer reports, which has significant consequences for my financial well-being. 

Furthermore, the agencies have failed to comply with 15 U.S. Code 1681b, which governs the permissible purposes of consumer reports. By unlawfully sharing or providing access to my personal information, the agencies have damaged my ability to establish good credit and secure a rental property. 

In light of these violations, I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these consumer reporting agencies. Additionally, I request that you take the necessary steps to ensure my personal information is protected and that the agencies are held accountable for their actions. 

I amproviding documentation and evidence necessary to support my claims. I trust that the Consumer Financial Protection Bureau will prioritize the resolution of this matter in a timely and efficient manner to safeguard the rights and privacy of consumers. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I sent this company correspondence several times via certified mail stating that I did not owe this debt and to cease and desist all communication and collection activities. They illegally reported to the XXXX credit bureaus and I have disputed with them and they have failed to comply as well. Not only did they ignore my demands, but they also continued to send collection letters from different agencies, XXXX XXXX XXXX, and XXXX XXXX XXXX claiming to represent XXXX in the matter. They have and continue to violate many of my rights under the FDCPA. I have also filed a complaint with the NY Attorney General.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time a

s they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. "
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (AR)

I opened up a BUSINESS account for my employer with Cash App some years ago. When opening an account the app required a ssn # and would not accept ein. I reached out to Cash App via phone to inquire about that and was told that they required a ssn # to verify the identity of person creating account. They explained that the person would NOT be financially liable for the funds but the business ( my employer ) would as long as I attached a business bank account to the app where the funds would be transferred to. I proceeded to open a BUSINESS acct. 
In XXXX, I received a letter from the IRS with my ssn # and MY name ( not the Business name on Cash App Tag ) stating that I failed to report earnings from Cash app for years XXXX ( {$29000.00} ) and XXXX ( {$41000.00} )! I immediately reached out to Cash App via phone and explained what occurred, I was told I needed to speak to their Tax dept and was sent a link via the app to communicate with that dept. When I contacted that dept, they told me that they did not handle 1099 's, that they only did Tax Preparation ... so they could only help file taxes if I needed. I called Cash App back and told them what the tax dept said and they proceeded to give me the SAME link... I kept explaining that that dept could not help. I called over and over sometimes multiple times throughout the day hoping to get someone that could help ... but the answer was always giving me the same link. Fast forward we are in XXXX, I am stressed out from IRS threats. Cash App has advanced and updated their app which NOW allows for ein 's ... and they also have added a new link to contact them regarding 1099K. I reached out to them, and received an email to upload verifying information ( 1 months bank statements from my employer with their company name, showing the cash app deposits went into their bank account, not mine etc. ) I did all of that 45 days ago. I have been reaching out to Cash App asking for the status of my amended 1099k and am always told there is no update. I am told it is a different department and they will contact me with updates. I asked for a direct number to that department and was told they don't have a number for consumers. This issue has been going on since XXXX. I am W-9 employee for my company and I am being held responsible for their taxes.
Consumer complaint received 2024-09-10
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. (OH)

Dear XXXX XXXX, I am writing to address a concerning issue regarding my credit profile. Your company has continuously reported multiple accounts to Experian credit services, which are reflecting delinquencies. However, these delinquencies were due to identity theft, and despite being made aware of this, the accounts have not been adjusted accordingly. As a result, they have been closed without any adjustment. I kindly request that you take immediate action in removing these accounts from the credit profile of XXXX XXXX XXXX to avoid any potential legal consequences. Your prompt attention to this matter is greatly appreciated. Thank you.
Consumer complaint received 2017-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

I really was n't sure which subject to pick, but here is what happened. I had cable service with  XXXX   XXXX   XXXX  and canceled my service I believe in   XXXX   XXXX   XXXX   leaving a  XXXX  balance. And had service connect with  XXXX   XXXX  which had purchased  XXXX   XXXX   XXXX  at the time. So  XXXX   XXXX   XXXX  sent me a bill initially in the amount of  XXXX  so I called and inquired about it. I called on  XXXX / XXXX / XXXX  and spoke with a  XXXX , she informed me that it was for equipment ( modem ) and that I just need to return it to any  XXXX  store and they will ship it. So that 's exactly what I did. I took all their equipment to the  XXXX  store on  XXXX . And upon leaving  XXXX  I was told to be sure to keep up with my receipt because  XXXX   XXXX   XXXX  has been known for this very thing, of accusing people that that owe for equipment. Because they do n't scan it in or anything, they just throw the equipment in a box. I reached out to  XXXX   XXXX   XXXX  again in  XXXX   XXXX  when I received mail from them saying I owed. I spoke with an  XXXX  if I 'm reading my notes correctly and she told me she sees where I turned the equipment in and apologized for the error. So  XXXX   XXXX  around I I receive a letter from the collection agency about owing  XXXX  so I told her I do n't owe and she asked was I disputing the claim and I said YES and she told me she would send it back to  XXXX   XXXX   XXXX  and they would get back to me. I have  XXXX  to hear anything from them but in the process of trying to straighten up my credit, checked my report and see this  XXXX  on here. I have pictures of allllll the equipment and serial number of the equipment RETURNED. And I 'm not sure but if I owed  XXXX   XXXX   XXXX  they would n't still be sending me advertisement trying to get me to get internet through them. And I have tried several times to contact  XXXX   XXXX   XXXX  but they have an awful automated system and I have n't been able to speak with an actual human. I have no problem paying the debt IF I owed it BUT I do n't and this really irritates me. I 've kept up with a few notes I made to myself that I have attached below. I also attached a couple of pics of the equipment serial numbers that I dropped off.
Consumer complaint received 2024-09-29
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

I received a ding or hit of XXXX points for a {$88.00}. I called the company XXXX company name Transworld Systems and they would not give me any info other than the debt is from XXXX XXXXXXXX and is from XXXX years ago. I asked them for the account or any information they did not give it to me. They refused to give me any info said fine give us fraud records there is no record I want the invoice or docs they then said they had to contact XXXX XXXX and they did not have it. I also pointed out it is older than XXXX years they insisted its when they buy the debt. I called in again and asked about 3 times they did not know or have any info. They said they can't do anything even one time they even said I have to send them documents when I have no idea what it is. I called XXXX and they still did not have anything. I don't owe the money and could not get a document as to what it is etc. I filled a dispute with the Bureu they Insist I owe it and reported it as from this year. I never have had XXXX I have had XXXX XXXX XXXX XXXXr 10 years and then version. Once I told them that they also claimed I had a version account as well. This company is a scam! 
I even called XXXX they said it was a mistake and I did not owe them money!
Consumer complaint received 2024-09-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX Phone Number- XXXX Inquires need to be removed are below 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
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

On XX/XX/XXXX an amount of {$3000.00} was recorded as refunded from my mother in laws ' cashapp to mine. It originally said to wait 7-10 days. We waited, and after that amount of time passed, there was still no money in my account, so, I contacted Cashapp, and they said with larger amounts it could take a few extra days so to wait 3 more days for the money to show up. We waited and still nothing. I contacted them again and then was told to call my bank, that at that point they had no information and I had to go through them. At this point, it had been over 2 weeks. I called XXXX, and they told me they couldn't help me because there was never a pending deposit of {$3000.00} ever sent from cashapp, so, they had no information on where my money was either. They instructed me to try talking to Cashapp again and if they still wouldn't tell me where my money was, to call FDIC. The final time I contacted Cashapp, they insinuated I was lying about not receiving the money and insisted it went to my bank account. I tried explaining that it never did nor was it ever pending, so that meant the error was on their end and was only met with attitude and told they had no information amd couldn't do anything about it. I called FDIC, and they told me that since the error was on Cashapps ' end, they couldn't help either since they only deal with banks and then told me to call the CFPB, which is what it did. I filed a complaint over the phone, but it never showed up on the account I made, so, I'm doing it now online.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

On  XXXX   XXXX ,   XXXX   my car broke down major problem with engine I called Ocwen to let them know my  XXXX  payment would be late and I would have the money by  XXXX   XXXX ,   XXXX   and if they received it would I be late because they told me I would have a late fee but they would not report late on my credit report they advised me to over night it so it is received at there overnight bin which is in Texas I did what they told me to do. I contacted them again on  XXXX   XXXX ,   XXXX   I gave them the overnight number and they said great I explained what happened I even have a ID # and name of CSR told them that I was trying to get caught up but the expense of my car is the reason why again they told be as long as it is in our overnight  XXXX   XXXX  by the  XXXX  of the month you are not late. I found out last week they reported me  30 - 6 0 days late I know I was late with the payment but it was done within the 30 days. I called them on  XXXX   XXXX ,  XXXX   XXXX  &  XXXX  I was told that they can look up the calls and if they can see them they would look into this I told me I never called which I did I have id # times etc. At this point I called the  Mass Attorney Generals  office they told me to contact you. I tried to reach out to them again because they are changing me for register letter fees for  XXXX  I was told that I did n't pick up the letter the women I spoke treated me like I was the biggest low life in the world and she kept on saying I was not telling the truth I ask if this could be escalated I was following what they told me to do and I had names of th e csr s he said that if they did log the call I had no proof. I was so upset they way they treated me if it was n't for consumers Ocwen would not be in business. Again I called I once again tried to explain my situation why would I overnight money and pay  XXXX  and get it there by the  XXXX  if they were going to report me. I also was told even though they have a overnight bin for these situations they do n't process payments on weekends.
Consumer complaint received 2024-11-01
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. (MD)

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.