davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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 received a copy of my credit report. To my surprise, you are reporting this account incorrectly. Thise collection account is reporting not only as OPEN, but also shows a past due balance of {$5800.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-08-31
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: Experian Information Solutions Inc. (CT)

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.

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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I had a auto loan with XXXX XXXX. I did not make the XXXX payment because I traded the vehicle in at XXXX XXXX in XXXX XXXX. I traded the vehicle over XXXX XXXX weekend on XX/XX/year>. I have documentation showing that I gave XXXX XXXX authorization to assume responsibility of the payoff at the time of purchase for my new vehicle. On XX/XX/year> XXXX XXXX reported my payment 30 days late. I tried to call and explain the situation and they requested I send them paperwork showing I traded it in. I contacted XXXX XXXX and have the documents. I tried calling XXXX XXXX, but after hours on the phone try to speak to a representative, I have not been able to do so. I then tried to handle the issue via chat on while in my account page of XXXX XXXX XXXX. I was told they can not help in the chat feature after speaking with XXXX. I explained my issue of not getting through to someone and asked if she could please have someone contact me. After asking, I was told " she can not do that '' and she closed the chat. This is an issue that has impacted me significantly. I am in the middle of opening a business and this incorrect late payment being reported to the credit bureaus has dropped my score over XXXX points.
Consumer complaint received 2024-08-31
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-29
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. (LA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX  XXXX located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (IL)

I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX XXXX XXXX  but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. The collection agencies are listed below : XXXXXXXX XXXX XXXX  {$6600.00} Opened Sep. XXXX, XXXX XXXXXXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX, XXXX Fraudulent accounts are : JPMCB CARD opened XXXX XXXX, XXXX balance {$1900.00} XXXX Opened XXXX XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX Subject : Failure to Validate Debt Dear LVNV Funding LLC I am writing to follow up on my previous request for validation of the debt you claim I owe. As of today, I have not received the necessary documentation to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, you are required to provide verification of the debt within 30 days of my request. Since you have failed to do so, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Additionally, please confirm in writing that you will remove any negative information pertaining to this debt from my credit report. 

If you continue to pursue this debt without proper validation, i will be reporting your actions to the Consumer Financial Protection Bureau ( CFPB ) and the state attorney general 's office. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MT)

Apple wont close my account. This has gone on for more than a year they said they would send the improper credits to the credit companies about the fraudulent charges but they havent closed the account like Ive asked for months.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/year>, I received an email from Truist stating that I needed to confirm a XXXX  transaction in the amount of {$1700.00}. I did not authorized this transaction from my account. There wasn't anything I could do with this email so I immediately called the bank and was transferred to a the fraud department for XXXX. I could not file a claim as of yet because the transaction was pending. They also lock my account and I was advised to open a new account. On XX/XX/year>, I visited a local branch and was able to open a new account and was also told their was nothing they could do because the transaction was pending and I had to wait until transaction was processed. This transaction was taken from my account through the act of fraud through XXXX  in which I do not have an account with XXXX. On XX/XX/year>, I filed a complaint with the fraud department because the transaction had been processed. I called the fraud department back on XX/XX/year> to get a status on my claim number XXXX and was inform that my claim was denied for their reasons for I didn't understand. Why would I authorized {$1700.00} from my account to through XXXX when this is all that I had in funds. The funds were sent to Money sent to : XXXX XXXX ( XXXX ) Amount : {$1700.00} From account ending in : XXXX Payment ID : XXXX as shown in confirmation email from XXXX don't know these people and no one else has access to my computer nor to my checking account. This was transacted fraudulently. When I wanted to stop this transaction on same date, why was it not stop then? It should not have gone through when I called to confirmed that it was fraud. Now, my funds are out in cyber space to no availability to me. Are you people able to locate these people to retain my funds? Please advise as this transaction was done fraudulently and I was coldly told by a supervisor by the name of XXXX from the fraud department that nothing else was going to be done. I personally don't think that it was thoroughly investigated and she nor the customer service knew how to handle calls from the fraud department.
Consumer complaint received 2024-09-19
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this account actually belongs to me.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

To Whom It May Concern, Refernce numbers XXXX, XXXX, XXXX I am filing a formal complaint against LVNV Funding LLC for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, LVNV Funding LLC continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, LVNV Funding LLC is not complying with these legal obligations. 
Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : 1. Immediate deletion of the unvalidated debt from all credit reporting agencies.

2. Statutory damages in the amount of {$5000.00} for LVNV Funding LLC s failure to comply with federal law and their neglect in handling this matter.

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA.

I expect LVNV Funding LLC to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Back XXXX my first deposit of XXXX XXXX was taken or frozen immediately and been back and forth with Venmo. This XXXX XXXX the last customer service representative told me to check with my state comptroller for my 50 bucks
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-29
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. (MD)

My credit score went back up after I filed my dispute here to restore my credit history then today it dropped randomly XXXX points although another payment to the card was made. They did not restore my credit history as they were supposed to as XXXX XXXX iwas supposed to inform them that the error was on their part by inputting the wrong code when re-reporting the card history. The card was never closed. Not sure why the misreporting is since the card is over XXXX  months old and so are the payments. Im trying to buy a house! I cant keep doing this. Im going to end up taking you all to court
Consumer complaint received 2024-08-31
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)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-08-31
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. (FL)

Subject : Request for Removal of Inaccurate Inquiries To the Attention of : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Dear Sir or Madam, I am writing to file a formal complaint regarding inaccurate inquiries on my credit report, and I request your assistance in addressing this issue. My request is based on my rights under the Fair Credit Reporting Act ( FCRA ) and the following sections : Section 611 ( 15 U.S.C. 1681i ) : Right to dispute and correct inaccurate or incomplete information. 
Section

609 ( 15 U.S.C. 1681g ) : Right to access information in the consumer 's file. Section 604 ( 15 U.S.C. 1681b ) : Limit
ations on the use and acquisition of credit reports. 
Upon reviewing my credit report, I identified several inquiries that I do not recognize or believe to be inaccurate. These inquiries are negatively affecting my XXXX XXXX, and I believe they should be investigated and removed if found to be erroneous or unauthorized. 

List of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I request that these inquiries be thoroughly investigated, and any inaccuracies or unauthorized inquiries be removed from my credit report. 

Additionally, per Section 609 of the FCRA, I request a full disclosure of all inquiries on my credit report, including the entities that made the inquiries and the purpose behind them. 

Finally, in accordance with Section 604, I ask that the entities responsible for these inquiries be verified to ensure they had a legal and permissible purpose for accessing my credit report. If any of these inquiries were made without my authorization or without a valid reason under the FCRA, I demand their immediate removal. 

I respectfully request that you take prompt action on this matter and ensure that my rights are upheld. I expect to receive a response within the 30-day period as mandated by the FCRA. 

Thank you for your attention to this issue. I look forward to your timely response.