davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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. (GA)

I am formally submitting this CFPB complaint and formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Hence, I am seeking an immediate assistance from you to correct these following late open accounts : XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance Owed : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance Owed : {$370.00}.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/23 XXXX XXXX XXXX XXXX ( displayed as XXXX ) fraudulently obtained my credit report. I never applied for credit, nor work near or shopping online at any of the stores they service. 

On XX/XX/23 the same thing happened with Capital One. 

I first tried disputing the fraudulent inquiries through all 3 credit Bureaus and they never removed the fraudulently obtained or innacurate inquiries. Then, I contacted each company. 

Capital One has opened a fraud investigation, but has not stopped reporting the inquiry after being notified of the FCRA violation. 

XXXX XXXX XXXX XXXX  does not even provide a phone number with their credit reporting information. I found two number via XXXX and both made it impossible to Report the FCRA violation. I have also provide written notice greater than 10 Days ago.
Consumer complaint received 2024-05-17
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)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-10
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: WELLS FARGO & COMPANY (NJ)

Wells Fargo Mediation Program Administrator XXXX XXXX XXXX XXXX, OR XXXX Attn : XXXX XXXX /Claim Representative Dear sir, I have received a notice from the claim representative, XXXX XXXX, from your company, Wells Fargo. The letter was addressed to my business, the XXXX XXXX. I remember I used to have an credit account and credit card with your company, which account name were the XXXX XXXX. However, due to the Pandemic, I remember I closed both accounts eventually. At this moment, I do not have any account in the name of the XXXX  XXXX, especially, after the disappearance of my business website and email address, and possible legal action in near future, I do not feel to open any personal and business account until all matters, which might connect with illegal activities will be solved ; therefore, I can not understand at all why you can mention as We have been unsuccessful contacting you by telephone to discuss the specifics of your mediation claim and the possibility of solving your claim. I admit I have mental condition not to answer any unfamiliar telephone calls due to the many unwanted calls and hacking. However, I do not know the reason why we need to discuss the specifics of my mediation claim, which I do not know at all and I legally have the right to ask you what this specifics means. I request you to explain what kind of mediation claim has been submitted to you and your office of Wells Fargo. Also, I can not understand with same reason why you feel the possibility of solving my claim, which I do not know at all. I beseech you to explain what king of claim you have received in the name of my business name, which has been registered by my name, XXXX XXXX. 

Sincerely,
Consumer complaint received 2024-05-17
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-25
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/XXXX I did an instant transfer from my Venmo account to my bank account. The transfer was never put into my account. The amount of the transfer was {$110.00}. I contacted Venmo by phone several times and they gave me several transaction ids. I contacted my bank multiple times to give them the codes. XXXX accounting specialists at the bank searched for the funds and they were never received by my bank. I then emailed Venmo several times and they said there was nothing else they could do. Then the last XXXX emails I didnt get any response. I am out the {$110.00} during the XXXX holidays. This has put me behind and caused other issues with my finances.
Consumer complaint received 2024-06-28
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. (CA)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  - Account XXXXXXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX  XXXX - Account XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Account XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2024-05-17
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I started a auto repair business and opened an account with Square to invoice and accept ACH payments and I invoiced my customer for {$1900.00} on XX/XX/XXXX and they paid that day through ACH it cleared on XX/XX/XXXX and once it did I went to transfer it to my bank account and then I received a message saying they needed more information so I resent my ID, Social security card and 3 months of bank statements along with my return policy and they said that was good and they just needed to review and confirm and in the meantime I can still accept payments etc. the next day I received a message saying that I can no longer use there services and my account is frozen and all money in my account will remain with them for 90 days. I tried to refund my customer and it wont allow me to even though the letter states I can. Im just starting my business and now I am unable to purchase materials needed to do the body work for a customer that has already paid.I have called repeatedly and they tell me there is nothing they can do and say someone higher up will call me and no one does. Now they have my phone number flagged so if I call I can only get a automated message so I have to call from different numbers.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-08-25
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2023-08-25
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2023-08-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Original Creditor- XXXX XXXX Amount of Dispute- XXXX XXXX Medical- Hospital bill after my XXXX XXXX XXXX XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX XXXXI don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be 900 cheaper in bills per month ... I am XXXX XXXX XXXX  and have a XXXX XXXX  ... .Thanks
Consumer complaint received 2023-08-25
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (MA)

Call in XX/XX/2023 ( unsure exact date as phone records cleared from phone ) to inquire about debt. Was told an itemized bill would be sent to me. 

Called approximately 30 days later on XX/XX/2023, placed two calls to collector to follow up. Again I quoted about itemized bill/collection details. They were unable to provide me any information and just said the bill would be sent out soon. 

Called today XX/XX/2023. Again requested status of letter, they were not able to provide me information. Said it would be pushed to management to get more information. 

This debt is preventing me from renewing my drivers license.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I was contacted earlier this year by Midland Credit Management, which claimed to be collecting on an account sold to them by XXXX which had gone delinquent. I denied that I had opened this account or charged anything on it, and noted that they seemed to have a wrong phone and XXXX for me. XXXX insisted that I had opened the account and has continued with collections activity, including filing suit, which I have denied. I am now preparing to fight the case XXXX XXXX. I believe my case is an example of synthetic fraud, with someone having stolen some elements of my identity and then applied for credit utilizing them and another bank account, phone, email, etc. 

- The date XXXX claims the original account was opened was XX/XX/XXXX. 
- They claim the account charged off on XX/XX/XXXX - XXXX amount in question is claimed to be {$5300.00} - I replied to XXXX in early XXXX, and challenged the account and requested arbitration, which appears to have been granted. 

I do not have a full XXXX XXXX XXXX account number ( this has not been supplied to me, but the account has been referred to as XXXX. 

XXXX 's internal account number for the case is XXXX.
Consumer complaint received 2023-11-06
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)

XXXX XXXX XXXX, Equifax Information Services and XXXX, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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. 
At this time the account with XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.
Consumer complaint received 2024-06-25
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. (TX)

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Upon conducting a recent investigation, I was deeply distressed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. 

Under the Fair Credit Reporting Act, it is mandatory that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

Attached are copies of all correspondence previously sent to your agency regarding this matter. I urge you to address these errors promptly and ensure that my credit report reflects only accurate and verified information, as mandated by law.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.