davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-30
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: TD BANK US HOLDING COMPANY (MD)

Please be advised that serious violations of the Fair Credit Reporting Act ( FCRA ) have occurred. My fundamental right to privacy has been violated by the furnishing of information to consumer reporting agencies without proper consent. Furthermore, the information furnished is inaccurate. 

This action violates multiple provisions of the FCRA, including 15 U.S.C. 1681 Sections 602 ( a ), 604 ( a ) ( 2 ), 1681c ( a ) ( 5 ), and 1681s-2 ( a ) ( 1 ).

I demand the immediate removal of the inaccurate and unlawfully furnished account information from all consumer reports.

The Consumer Financial Protection Bureau ( CFPB ) is requested to publish a description of these violations on consumerfinance.gov to protect consumer rights. 

Supporting documentation is attached. Failure to rectify these violations will result in further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
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. (FL)

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( XXXX, XXXX XXXX ) I sent a letter to Equifax notifying them of the reinsertion of XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending a letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifaxs actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolved this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I am a victim of XXXX XXXX of Debt XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this, per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX went to XXXX ATM in XXXX and tried to take XXXX at the drive thrw said transaction declined and than went inside to ATM and tried to take XXXX in front of clerk at the XXXX XXXX. He told me to go to teller and I was told by teller I have to file a complaint with ATM not bank of America I lost XXXX going to the bank today and I may not have access for 129 days. Boa has also put fraud alerts on my account 22 times. I have been a customer since XXXX. I want to close account immediately but bank teller said I may never get my XXXX back if I do. Please help me expedite this because I had bills to pay that day
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

On XX/XX/year> I submitted a request to have negative information blocked from my credit report due to XXXX XXXX victim and according to the law it is supposed to be blocked with 4 days I called equifax for an update and they told me they had none and I just had to wait they also acknowledged they were aware of the law and too bad. They were extremely rude and I have no resolution as of yet and no ETA of XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to disputed account on my credit report that were made without my consent. According section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1 B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE DELETE ACCOUNT XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EQUIFAX FILE NUMBER RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my XXXX credit report, is the result of that trafficking. 

Accounts : Account numbers : Date Opened : 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 I also see 3 other names on my credit profile which is because of the trafficking. 
I need these names blocked and removed from my Equifax credit Report XXXX XXXX. 
I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims oXXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I sent a notice of cancellation of contract and submitted a complaint to the Attorney General in XXXX. I also placed a dispute on the account with the credit bureaus at that time and have since renewed the dispute. The creditor has not been on my credit report for approximately 6 years until recently. I received a call from them XX/XX/XXXX. Then the company reported to the credit bureaus that the account is 10 months late payments. This has reduced my XXXX XXXX. They are reporting an old debt as new to reset the clock. 

The company is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and update the last reported date of payment to show that the account is in good standing.

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time.

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2024-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CT)

Earlier around XXXX I called to make a payment and discuss late fees. I found out that when I made a payment back in XX/XX/year> with my bank 's bill pay made the payment of {$540.00} they posted it as to principal and now it is sitting as unapplied. The rep created a case to have the account adjusted the case number is # XXXX but I called today because they charged me another late fee and have not settled the account. So until they post the payment I'll be charged late fees. The rep I spoke to created another case # XXXX. Counting this one today ; there have been three case numbers assigned and no one is straightening this out and I'm being charged late fees even when I'm not late.
Consumer complaint received 2023-04-14
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MI)

We have a homeloan with Newrez. I received a notice from XXXX on XX/XX/XXXX that I was reported as 30 days past due on my home loan. I called Newrez, and they said that my XXXX payment was rejected for lack of funds. It is an automatic withdrawl from my savings account. I went to XXXX XXXX, and not only did I have approximately {$30000.00} in my savings account the entire month of XXXX, ( my monthly payment is {$1200.00} ) but XXXX did not have any record of Newrez attempting to withdraw money. Newrez claims they sent me a letter to inform me. I didn't recieve a letter. They did not attempt any other form of communication, so I didn't even know about the problem until XXXX told me that Newrez reported me. My credit rating went down almost 100 points. I have called to complain to Newrez and have also sent them a message through my Newrez app, and have not heard anything from them.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-23
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Date : XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute and Request for Validation of Alleged Debt Account Number Ending in XXXX Original Creditor : XXXXXXXX XXXX XXXX 

To Whom It May Concern, I am writing to dispute the validity of the alleged debt you claim I owe, related to an account with Capital One N.A. and identified by account number ending in 5840. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), I am requesting that you provide sufficient evidence to validate this debt, as well as detailed information substantiating your right to collect it in the state of Pennsylvania.

To validate this alleged debt, please send the following information : Original Contract or Purchase Agreement : A copy of the original contract, agreement, or purchase documentation from XXXX XXXX XXXX. that created this alleged debt. 

Proof of Chain of Ownership and Assignment : Documentation verifying the complete chain of ownership, including proof of assignment for each transfer of this debt from the original creditor to Portfolio Recovery Associates.

Full Accounting History : A complete accounting record from the original creditor, detailing the date, amount, and application of each payment, fees, and charges. Please include the date of the first delinquency and any relevant payment history leading to the collection.

Proof of Collection Authority in Pennsylvania : Verification of your legal authority to collect debts in Pennsylvania, including a copy of your third-party debt collection bond, as required by Pennsylvania law .

Proof of Compliance with Required Notices : Evidence that you sent the legally required debt validation and collection notices to me prior to reporting this alleged debt to any consumer reporting agencies.

Until these materials are provided, I request that all collection efforts cease, including any reporting of this debt to consumer reporting agencies. Reporting unvalidated debts can constitute a violation of 15 U.S. Code 1692e, which prohibits misrepresentation in debt collection.

If you are unable to provide all requested documentation, please immediately remove this account from my credit reports and cease any further collection efforts. 

Thank you for your prompt attention to this matter. I look forward to receiving your complete response in writing within 30 days.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

Ive been waiting for an e-check on PayPal for multiple days now and they keep giving me different dates of delivery first I was told on XX/XX/XXXX. It would be available then they told me XX/XX/XXXX and now theyre telling me XX/XX/XXXX.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/year> at XXXX p.m I received a deposit into my Venmo checking account. On XX/XX/year> my Venmo account was surprisingly suspended as to the reason it was suspended has not been disclosed to me yet and it is now XXXX XXXX. I have sent in all of the required documentation proving I am who I say I am but Venmo has still not unlocked my account nor have they given me any reason as to why they suspended my account in the first place. I have bills to pay and I am going to lose my home if Venmo does not let me withdraw my funds from their platform. I have read other people 's similar stories about Venmo and I don't see how they can do this to people. have done nothing wrong for them to suspend my account and for the moment they have stolen my money because I have no way to access it. I have no way to buy my family food, I have no way to pay my bills. This is a horrible nightmare scenario and I hope and pray you all can help me with this.
Consumer complaint received 2023-07-17
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. (IN)

XXXX XXXX XXXX XXXX is reporting a collection account on my Transunion report that does not belong to me. The company states that they are collecting on behalf of XXXX XXXX  which I have no account with, neither is there any closed account with this company on either three of my credit reports. I have tried countless times to remove this account and Trans union won't comply with my request for investigation nor explain to me what method of verification they're using to validate this debt being inaccurately reported to my credit profile. According to FCRA, fair and accurate investigations are the rights of the consumers. This inaccurate information is affecting my credit score and preventing me from being able to purchase a home.