davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I trust this letter finds you well. I am writing to express my concern and frustration regarding my initial attempt to remove fraudulent items from my credit report, and the subsequent lack of resolution. 

Upon discovering unauthorized and fraudulent entries on my credit report, I promptly initiated the dispute process by following the procedures outlined by Credit Bureaus. Regrettably, my first attempt to rectify this matter has not yielded the desired results. The fraudulent items persist on my credit report, adversely impacting my creditworthiness and causing undue distress. 

I understand the gravity of addressing cases of fraud and appreciate the need for thorough investigation. However, the delay in resolving this issue has raised serious concerns about the effectiveness and efficiency of the dispute resolution process. As a victim of fraud, I find it disheartening that my credit report continues to reflect inaccurate and unauthorized information. 

I kindly request an immediate and comprehensive review of my case, with a specific focus on expediting the removal of the fraudulent items from my credit report. I have attached copies of the supporting documentation submitted during my initial dispute for your reference. 

Furthermore, I seek transparent and timely communication throughout the resolution process. Regular updates on the progress of the investigation and the actions being taken to address this issue are crucial to maintaining trust in the credit reporting system. 

If the fraudulent items are not promptly removed from my credit report, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I sincerely hope it does not come to that, and we can work together to resolve this issue promptly and amicably. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  CREDIT XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I accidentally sent {$2300.00} to the wrong person through XXXX I immediately called capital one to dispute the issue on XX/XX/year> they denied my dispute twice and claim they havent received my emails of proof there is no real building to go to to talk to anyone and capital one is being very nonchalant about returning my money back it has been 2 months
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (TX)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Please remove the following alerts from all three of my credit reports : XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kashable LLC (MD)

I applied for a loan as I have done in the past. I was not given the chance to apply/submit any paperwork for the loan. I received a reply after my inquiry. I did not meet the underwriting criteria. I have not received the notice of action as of today. 

In XX/XX/year>, I applied using my current XXXX and explained I could give the address where I was staying at with a family member while my house is being built. They refused and did not pursue any explanation. During this ( XX/XX/year> ) application process I wrote the unfavorable review. I was denied. I did not receive Notice of Action. All of my mail is on the USPS informed delivery. And no delivery to my spam or the main email. I am still with the federal government after over 10 years. Since I wrote an unfavorable review because of my experience and did not remove it. I did not qualify. My profile and other information are available on the site. Usually, any changes made occur during the application process. When I click the APPLY button I receive a message : Unfortunately ... after carefully reviewing your information ... .. underwriting criteria at this time. You do not meet the eligibility criteria for Kashable Program. My denial was based on the review and not the underwriting criteria.
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I mailed a letter on XX/XX/year> to the collection agency that I found on my credit report asking them to validate the debt, but I have not received any information, nor has my credit report been updated. I believe they were unable to get the information and ignored my letter. I asked for proof of Insurance claims filed, proof of a contract I signed agreeing to pay this provider, chain of title to collect this debt and a complete payment history of payments I made.
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (IL)

Received a credit alert on XX/XX/year> ( damaging my credit profile ) stating I owe them money in the amount of {$180.00}. Never even heard of this company nor have I requested funding, or signed any contract to do business with them.
Consumer complaint received 2024-05-31
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (HI)

On XX/XX/year> I deposited {$180.00} to my Cash App account with a deposit receipt given by the company who made my deposit. On XX/XX/year>. I checked my account with {$0.00} balance in it. CASH App won't provide any record of transaction made on XX/XX/year> when asked by myself. They do not provide to me any record of transaction to show what or where my cash deposit of {$180.00} went or what happened to my money deposited to my account. I want to receive my {$180.00} or be provided a record of whatever happened to my money. As of this moment I consider they stole my money. Please help me to get paid back my {$180.00} deposit because they can not provide a record of any transaction for it. I have a deposit receipt from the company who made the deposit to my Cash App account. This is a fraudulent business practice by Cash App and I want to be paid the {$180.00} I deposited. Please assist in this fraudulent financial matter at hand to recover my stolen money. Please report this theft to proper authoriites.
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (TN)

Representative called and wouldnt let me speak and raised her voice at me. 

I ask to speak to her XXXX and she put me on hold. Then said if I have the XXXX call you back you cant be taken off the no call list. 


In other words - you cant complain or speak to anyone but me or we will contribute to harass you. 

This was not my debt.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/year>. I disputed over {$27000.00} of charges with USAA from the merchant XXXX. XXXX promised services and after multiple attempts to correct it with the merchant and how unsatisfied the quality of service that was given, even after listening to lead quality recorded conversations, looking at the XXXX with feed back from other agents on the team on what the leads were doing. XXXX did nothing they continued to take and ask for more money, they also lied about the general amount needed in a contract which i also shared with USAA when disputing the case. USAA sent documents to me with what the merchant sent them and why they were choosing their side and a in a few days I sent additional documents to USAA showing more evidence to including currents status of leads from agents, emails showing that i tried to reach out and let them know the leads were not quality, the false contract amount. And they still ruled with the merchant. Well here 's another issue on why i don't understand why they ruled in there favor. The same day I did a charge back with the same merchant with USAA I did for XXXX for the same dates and similar amounts, close to {$12000.00} as well for the same merchant. XXXX not only did a in depth investigation but the same documents the merchant sent USAA, they also sent chase. XXXX did not put a credit on my account until all documents were in and reviewed. When the documents came in from XXXX, XXXX reached out to me and said this is what they are saying, do you have anything else to support your case, I sent the same documents I sent to USAA and XXXX told me that because they can not prove the quality of leads that were coming in and the conversion than they would not rule in their favor as well as I did show I did reach out letting them know that nothing was converting and they lied about the contract amount. XXXX agreed in my favor on the dispute. So what i don't understand is how is it that i placed a dispute the same day with two different banks for the same merchant for the same issue and one banks rules in on my favor and the other on the merchants favor when all same supporting documents were given. Also, XXXX had a direct dispute department i could talk to about my open dispute. USAA had no dispute department i could speak to and all calls were monitored which they than relied all information. I don't understand with being a member with them for over 16 years and never had any issues with them and a veteran for the XXXX XXXX XXXX  for them to agree to allow to take {$27000.00} from someone is very insane to me, especially when they can look at my banking history and all the supporting documents i sent to them.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (OH)

I sent a Cease and Desist letter to the creditor. They ignored my request, this account is still being communicated on my credit file. I also received a letter from the creditor on dated XX/XX/year>.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29
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: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

To whom it may concern. These accounts stated are fraudulent accounts due to identity theft and I am requesting for the following collection accounts and inquiries to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Inquiry : XXXX Inquiry : XXXX Inquiry : XXXX XXXX : XXXX Inquiry : XXXXXXXX XXXX Inquiry : XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXXXXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX Inquiry : XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX
Consumer complaint received 2024-01-29
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. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-29
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 express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have noticed something is wrong with my credit file XXXXXXXX XXXX XXXX with account XXXX XXXXXXXX it has several innacuracies which I have tried getting them to remove the account but I havent had any luck.the items that are wrong is listed below : Account type Date opened Date last reported Date last active I want this account removed immediately
Consumer complaint received 2024-06-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (MA)

This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$4400.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Last 4 SS : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX