davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$120000.00}
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their stall tactic and failure to investigate my dispute. I have made several attempts to resolve this matter directly with Experian, but their lack of responsiveness and disregard for my concerns have compelled me to seek assistance from your esteemed organization. 

On XX/XX/2023, I submitted a dispute to Experian regarding the incorrect reporting of my name. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct a prompt investigation into consumer disputes and provide a timely resolution. However, despite providing all necessary documentation and following the proper procedures, Experian has not taken any meaningful action to address my concerns. 

Since filing the dispute, I have made multiple attempts to contact Experian 's customer service department, but I have experienced prolonged hold times, automated responses, and vague assurances that my case would be resolved soon. These stall tactics have caused unnecessary frustration and delayed the resolution of my dispute, which has had a negative impact on my financial well-being. 

I firmly believe that Experian 's conduct in handling my dispute goes against the spirit of the FCRA and the principles of fair and accurate credit reporting. I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Experian fulfills its legal obligations and conducts a thorough investigation into my dispute without further delay. 

I kindly request that the Consumer Financial Protection Bureau launch an investigation into this matter, urge Experian to promptly address my dispute, and take appropriate actions to ensure they comply with the FCRA. Additionally, I would appreciate any guidance or assistance you can provide to help me resolve this issue and ensure the accuracy of my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including my initial dispute letter, correspondence with Experian, and any other supporting evidence. 

Thank you for your attention to this matter. I eagerly await a swift resolution and appreciate any assistance you can provide in rectifying this situation. Please do not hesitate to contact me if any further information is required. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-13
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
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. (MO)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-24
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: Self Financial Inc. (NC)

XXXX continues to report display closed accounts To have a negative impact on my credit profile Ive asked that these accounts be deleted if closed and paid off to avoid loss of points on my credit score The account is XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX  Theres no reason to keep this inquiry on my credit profile when Ive asked to remove it They said it has been validated which I didnt disagree to the validity but this is no debt owed So there is no reason to continue to display it
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Debt Validation Pursuant to Fair Debt Collection Practices Act Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt associated with account numbers Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am hereby exercising my right to request validation of the debt in question.

I am requesting that you provide the following information to validate the debt : 1. The name and contact information of the original creditor.

2. The original account number and the amount of the alleged debt.

3. Documentation establishing that I am the responsible party for the debt.

4. Verification that the debt is not time-barred by the applicable statute of limitations.

5. A copy of the original signed agreement or contract that purportedly authorizes the debt.

I assert my rights under the FDCPA to ensure that the debt is valid and that all necessary information is accurately provided. I request that all collection activities be suspended until the requested information is provided.

Please be advised that any failure to comply with the FDCPA requirements may result in legal action and remedies available under applicable law. Your prompt attention to this matter and timely response are appreciated. 

Kindly provide the requested documentation to the address listed above within 30 days of your receipt of this letter. Failure to validate the debt within the specified timeframe will necessitate that the debt be considered invalid, and any further collection actions will be deemed unlawful. 

Thank you for your cooperation in resolving this matter in a timely and compliant manner. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX  XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX 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 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The morning of XX/XX/year> I woke to a withdrawal message from XXXXXXXX XXXX  stating our checking account was at a XXXX balance due to an ACH from Capital One for the exact balance in that account. I immediately verified the information and then checked all Capital One credit accounts to verify it wasnt a payment. After verification, I went to the local XXXX XXXX and began the fraudulent transaction process. As a result, they put a HOLD on the account and I had to open a new checking account. After returning home, I contacted Capital Ones fraud department at XXXX and spoke with a XXXX XXXX identification number XXXX. I explained the situation and he told me to let my bank handle it. I asked him to document the accounts of the situation. 

Prior to this incident, whenever I made a payment, the available credit would be updated immediately. This was not the case on XX/XX/XXXX which I thought was due to the fraud information they had probably received that morning. I was already stressed over the initial fraud incident but more so due to my husbands nonstop travel this year with the XXXX XXXX. This particular day, he was traveling from Delaware to Pennsylvania for another political event and would need a credit card to check in to the next hotel. As a result I contacted Capital One about making a cash payment which could update the account immediately and was instructed to go to my local XXXX and make a payment. I followed the directive and pulled {$1500.00} from savings and made the cash payment at XXXX. The clerk at the store stated they should receive the payment within XXXX minutes. This did not occur. I called Capital One back and was told, the payment would post at midnight and be available by XXXX. I called the next morning when it had not posted and was given a different response. I asked for a supervisor and she told me it could be days. I provided all the information from the cash payment receipt so they could begin the trace, since they did not see any incoming cash payment. Several days later I received documentation from Capital One requesting a copy of the payment information which I immediately returned via USPS. Fast forward to XX/XX/XXXX when a payment of {$2500.00} was made. To date, XX/XX/XXXX, Capital One still has not updated the available credit on this particular credit card. We are being penalized from Capital One ever since the unauthorized ACH withdrawal they processed the beginning of XXXX.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (NY)

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXXXXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NY)

filed my first claim with Cash App maybe XXXX weeks ago. 
They closed my account with no remark. XXXX weeks later I found that all claims were active and open. I spoke with a few supervisors and they let me know that my Provisional Credit was issued. About XXXX employees refused me service, lied about claim details for example they quoted an entirely different claim and requested reports that didn't exist. There have been site errors, connection errors, and payment issue errors on every deposit related date. What is going on here CASH APP. HOW DARE YOUR EMPLOYEES STEAL FROM ME. I REPORTED THEM TO THE FTC AND THEY HAVE BEEN ORDERED TO REISSUE MY CARD AND ACCOUNT REFUNDING ANY CLAIM CHARGES. Such Horrible Service I could hear the people in the background tell the agent to drop my call and cross wire my funds. They ignored the Supervisor and stole from me to my face.
Consumer complaint received 2023-09-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

XX/XX/2023 XXXX I received a call from First National Bank . I was initially told that she was a debt collector, and then she said she worked for the bank in the collections department. She then informed me that I was late to pay my auto loan payoff amount and I owed additional late charges as well. I disputed the debt and her response was that I did in fact agree to the terms. I then asked if she had my contract in front of her. She said no, but its a standard contract and if I dont pay, my credit report would continue to be affected negatively. I then asked for a copy of the agreement. The response given was that I had to come down to the bank and ask for it. I replied by telling her to mail me a copy, she said something along the lines of thats not how it works needless to say, I never received the agreement. Only more Loan Payoff statements and Past Due notices.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Captial One has succesfully verified my identity and refusing to close my account to give my remaining funds. I have called and spoken to multiple customer service reps and no one can confirm the letter i was sent from the company about my complaint. I have submitted my ID over 20 times and even went in person to a capital one cafe and they asked if i had my passport when i already came in two IDS. My state ID and social security card with multiple cards with my name on them.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (OK)

I was a Client Ive been to the west last month. I asked them to close my account because I changed banks and I let them know how disappointed I was in them. Well, they didnt close my account. They left it open for my Social Security check to go in there, when I went to retrieve my money, they had locked me out of the bank and called the police on me. Bank of the west is merging with BMO bank of the west has no knowledge of my remaining balance of {$500.00} I called Social Security I called BMO. Im called every single place to be given the runaround when I went to pick up my money I had {$500.00} in there in my account online I could see the minute I pulled up they close my account. It was {$500.00} left and all that went down the tray.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-13
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)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (DC)

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX of 2023, I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 
XXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C.1681 section 602 a states that I have the right to privacy.

15 U.S.C.1681 section 604 a section 2 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 the 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.