davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (IL)

Upon reviewing my most recent consumer report, I noticed bankruptcies listed that I believe to be inaccurate. I have concerns that this may violate consumer privacy protections under 15 U.S. Code 1681a ( 4 ). These bankruptcy entries should not appear on my credit report, and I'm concerned my personal information may have been improperly disclosed without my consent.
Consumer complaint received 2024-09-13
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX : Complaint Against Experian for Incorrect Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against Experian regarding inaccuracies on my credit report. I have encountered a persistent issue where my credit report includes a name that does not match my legal name as listed on my driver 's license or utility bill. 

Despite my efforts to resolve this matter directly with Experian, the issue remains unaddressed. I have provided them with the necessary documentation to prove my identity and correct the inaccuracies, yet they continue to report this erroneous name that I don't use when identifying myself. 

I am deeply concerned about the impact this situation is having on my financial standing and creditworthiness. If this issue is not resolved promptly, I will have no choice but to pursue legal action. 

I request your assistance in addressing this matter with Experian to ensure my credit report is corrected. Thank you for your attention to this urgent issue. 

Sincerely,
Consumer complaint received 2024-09-13
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. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that I did not initiate along with an account I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I Will also be seeking compensation for the damages caused to me. 
Defamation of Character : {$1000.00} Mental Stress : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

this complaint is being filed because VENMO has locked my account and I can not access my funds.i contacted VENMO a week ago and explained the situation what was happening. I was told to submit a photo id and my issue would be taken care of in XXXX business days. it is now a week later and my account is still locked. I called again and was told told to do the same thing I did a week ago with some vague excuse why my account was locked in the first place.i want access to my money to transfer my money back to my wife 's account so I never have to deal with this company again.
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VI)

Portfolio Recovery Associates never send me a notice of the debt. I wasnt notified about this debt in a timely manner. I wasnt aware of collection activity that can be addressed promptly. I found out about this debt ; I have questions about. I dispute the debt. However, Portfolio didnt notify me in a timely manner. The original creditor was provided with an updated address in the XXXX  however no notice was sent. Which, I know that FCRA 809 ( a ) was violated.

I contacted Portfolio Recovery Associates on XX/XX/2021, to inquire about the entry list on my credit report. I asked the man for a statement on the debt. He told me the balance of {$1400.00}. He offers a settlement of {$980.00}. I told him this is high. He asked what I can afford $ XXXX for settlement with payment installments to satisfied this debt. He said cant do that. He stated they offer a payment plan. My medication is XXXX per month plus doctor visits per month XXXX. Rent is XXXX not including food. I only receive is SSA of {$1200.00}. I told the collect rep the information about the health issues. I also told him about the XXXX  XXXX and had to moved away from XXXX. Im just try to recovery from all these surgeries. Portfolio Recovery Associates is hard to work with. They not providing information regard to the account. I dont even know account number. Lastly, we have global crisis with COVID 19.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : FAIR COLLECTIONS & O Address : Account number : XXXX Your NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX Dear XXXXXXXX XXXX  : 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 current creditor.

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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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

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

I demand the late payment reported to be removed.

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

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

XXXX XXXX XXXX AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-12
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. (IN)

Following 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, the accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. Please delete the accounts listed below : - Creditor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-12
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. (CA)

These hard injuries below need to be removed from my credit report immediately due to identity theft XXXX XXXX XXXX- on Experian as well as all the soft injuries ran by Experian without my permission and I demand a XXXX refund for the Experian app i have been asking over and over again
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I transferred XXXX to my Business checking account ending in XXXX, and on XX/XX/XXXX, the deposit was reflected in that account but then I was charged {$170.00} in over draft fees on XX/XX/XXXX. Their app instructed me to call Capitol One with a link for each disputed fee, was on the phone with XXXX at XXXX  today XX/XX/XXXX for 25 min to be told their claims department didn't handle fees, so he would transfer me to customer service ( note in the app they state they are open Saturday XXXX-XXXX ET ). Then after 25 min wait he told me customer service was only open on Monday! I asked to speak to a supervisor, after 10 minutes XXXX said I needed to speak with the 'Business Team ' on Monday to get the overdraft fees refunded. 40 minutes wasted on the phone and they never refunded me these bogus overdraft fees they charged! 5 overdraft fees for 3 transactions! 2 of those transactions were for XXXX cents transfers which I definitely had adequate funds for!!! This should be illegal to charge FIVE overdraft fees of {$35.00}, TOTAL FEES CHARGED {$170.00} for 3 transactions, 2 of which were for XXXX cents each!!
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

Received the following email from American Express on XX/XX/XXXX claiming they will essentially give me {$2500.00} Statement Credit ( basically cash ) if I do a refinance through XXXX  which doesn't seem to even be affiliated with American Express. My concern/complaint is why just this particular mortgage lender and why is American Express steering me to use just XXXX XXXX   XXXX? To me it's seem unfair that as a long time card holder I can't choose who I want and still get this statement credit especially when there seems to be no company affiliation between the 2 companies. See below email content received on XX/XX/XXXX. 



****, an exclusive {$2500.00} Statement Credit offer from XXXX   available inside. 
Inbox x American Express    Unsubscribe XX/XX/XXXX, XXXX XXXX  ( 2 days ago ) to me Manage Email Preferences AMERICAN EXPRESS Don't live life without it Account ending : ********* Member since : XXXX American Express Platinum Card Hello , ********** Log in Display images to show real-time content As a valued Card Member since XXXX, we expect you to count on us through lifes biggest moments. From that new couch to that room with the perfect view, investing in your home should feel simple and rewarding. Thats why we want you to be among the first to know about an exclusive offer from XXXX to help make the homebuying process more convenient for you. 

Exclusive offer for eligible American Express Card Members provided by XXXX. Apply by XX/XX/XXXX, to unlock this offer : {$2500.00} Statement Credit Get a {$2500.00} American Express statement credit when you purchase or refinance your home with XXXX. Must close your mortgage by XX/XX/XXXX, to receive the credit. * Free Appraisal with XXXX XXXX Enjoy free appraisal, a {$550.00} value. Plus, XXXX will rush your appraisal at no additional cost so that you have peace of mind. * Dedicated Concierge Access to a Better Dedicated Concierge that is available to support you from start to close. * When you buy a home or refinance with XXXX, youll also have access to their suite of benefits, such as : Competitive Pricing Get a competitive, low and transparent rate. 


No Fees for Originating your Mortgage Pay no fees for application, origination, underwriting, or commission. Other fees will apply. 


Computer monitor and mobile device icon A Digital Experience Apply through a digital process. 


Get Offer
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, Kohls made a {$2700.00} ACH transfer out of my Bank XXXX XXXX that was not authorized by me. When I called, they told me there were large charges made to my account that I did not make. I spent days calling Kohls and Bank XXXX XXXX to try to resolve this issue. Finally, on XX/XX/XXXX, a credit was made to my bank account. I am a teacher and this unauthored ACH transfer was over 60 % of my net pay. This caused significant stress to me personally. To prevent fraud on my account, I followed Kohls instructions and established a verbal code word that would be asked each and every time I called to verify it was me. In additional I validated my mailing address. Kohls completed their investigation and issued me a permanent credit of {$2700.00} due to fraud. They told me they would issue me a new credit card and mail it to me. 
On XX/XX/XXXX, I called the Kohls Customer Service number, and they did not ask me my verbal code word which was established after the fraud. I asked them if they had sent me a new card and they said yes. I asked what address they sent the card to, and they said : XXXX XXXX XXXX Unit A XXXX, FL XXXX When I found out my new card was sent to the wrong address, I requested to talk with the Fraud Department. Customer Service initially said they could provide a number but could not transfer me to Fraud. At the beginning of the call I told them I had a friend, XXXX XXXX, on the line and I authorized her to listen and ask questions. My friend, XXXX, asked for this issue to be escalated to a XXXX  and they then transferred me to the Fraud Dept. The Fraud Dept. did not ask for my verbal code which was established to prevent fraud on my account. I told them what happened and they said they would send a new card to the correct address and terminate the one sent to the wrong address. 

This issue represents a lack of controls to prevent fraud, inadequate training, and the ability of someone inside of Kohls to make unauthorized XXXX transfers.
Consumer complaint received 2024-09-12
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. (TX)

The inquires below, I did not authorize. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/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
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have tried numerous times to dispute this with you to no avail. It is the result of identity theft. 

( XXXX XXXX XXXX Opened XX/XX/XXXX ) ( XXXX XXXX {$260.00} Opened XX/XX/XXXX ) ( XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX {$400.00} Opened XX/XX/XXXX ) ( XXXX  {$250.00} Opened XX/XX/XXXX ) ( XXXX XXXX {$300.00} Opened XX/XX/XXXX ) ( XXXX XXXX {$460.00} Opened XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX XXXX  XXXX {$1200.00} Opened XX/XX/XXXX ) ( XXXX XXXX  {$880.00} Opened XX/XX/XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report from the XXXX Police Department and proof of my identity/address. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX