davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.
Consumer complaint received 2024-07-31
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. (NY)

I do not know these hard inquires so please remove these from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX MORTGAGE Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 2022
Consumer complaint received 2023-08-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (IN)

On XX/XX/23 I was in the lobby of my apartment building checking the mail and set my phone on my countertop. I went to the elevator and made it to the XXXX floor before I realized I had left my phone downstairs. When I came back for it, the phone was still unlocked and my credit card and cash were missing from my wallet case. I immediately called to cancel the card. I got an email later that my chime had been logged into but the email said XXXX which I have so I didnt think it was suspicious. I later saw a transaction for XXXX XXXX, XXXX, and then XXXX cash transfers that were all fraudulent. Chime did not alert me to these transfers nor did I get a confirmation text. I opened a complaint today for all of them. I asked chime for the name of the person whose chime account the cash transfers went to, as I want to file a police report against them. I have also gone to the leasing office to see if there is camera footage as per the Police departments request. Chime has not reversed the cash transfers nor have they given me the name of the individual who took my money. The case number they assigned me was XXXX. There is no live phone rep to talk to, only email and chat. The phone rep directs you back to those to options.
Consumer complaint received 2024-08-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

We had switched from XXXX to XXXX under the money back guarantee. The XXXX service was so bad I was not able to conduct calls from my home and I work from home. 

I returned all the phones when I switched back to XXXX under XXXX XXXX trade in program. 

XXXX kept saying that I owed the balance of the contract, which I believe I do not.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam : I am writing to file a formal complaint regarding an inaccurate public record that is currently listed on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, the inaccurate information remains on my report and continues to affect my credit standing. Here are the details of my situation : 1. **Credit Reporting Agencies Involved : ** XXXX XXXX XXXX XXXX and Experian. 
2. **Nature of the Inaccuracy : ** A public record is listed on my credit report which I have verified as incorrect.

3. **Verification Attempts : ** - I contacted the court in my jurisdiction, and they confirmed that they do not validate or supply information to any third-party agencies, including credit bureaus. - I also contacted XXXX and PACER, both of which confirmed that they do not validate or supply information regarding this case to any third-party entities. And only XXXX replied in 30 days, never received any follow up from them validation Given this information, it is evident that the public record on my credit report is either inaccurate or unverifiable. I have formally requested each of the credit reporting agencies to investigate and remove this incorrect public record from my report. However, as of the date of this letter, the inaccurate information has not been removed. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. If they can not verify the accuracy of the information, they are obligated to delete it. I am seeking the Federal Trade Commission 's assistance in addressing this matter and ensuring that my rights under the FCRA are upheld. 

Enclosed are copies of my correspondence with the credit reporting agencies, as well as any responses I have received. Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

according to XXXX of the fcra 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 XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX blocking of information resulting from identity theft. I filed ftc report and sent a written statement explaining that these transaction weren't related to me in any way as the consumer. that I've never received money or general goods but yet they've failed to properly investigate and verified the erroneous accounts from their failure to properly re-investigate these claim.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LCI Acquisition Inc. (CA)

I have requested toLCI, Lundquist Consulting , Inc. to freeze and delete my personal file they have on me. I have reached out to them with certified mail and phone calls at XXXX with no response. I then went on to the opt out page online and put my name and email in to opt out and got and error message. I then call another number at XXXX and left messages again with no response.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I noticed on my recent statement that PayPal charged me a late fee after not making the minimum payment by the due date. I scheduled the payment onlinein advancefor the next day. They did not make me aware that they would charge me a {$41.00} late feethe next dayif I did not make the payment by the due date. When I tried to get in touch with the company, their customer service number was busy ; I called multiple times. Their online chat also was no help. I tried logging into my account today to see the balance and it is down for maintenance. 
I have been a customer for years and don't remember ever being charged a late fee. If they are going to charge a late feethe next day, they should at least have a reminder on their website for people who schedule payments in advance. I would have just dated it for the due date since it was only one day off. To sneakily charge late fees the next day, then have their line be busy so they don't have to deal with customers, is a shady business practice.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

capital one went to a new system and since has been sending personal/private banking transactions to an non secure email account. they refuse to stop. even though they send it by https, that is only for the transmission through all of the nodes it must pass, it is not end to end. when that transmission is stored, it is stored in plain text free to the world of miss fits to hack. the email is not encrypted end to end so open to the world for data mining. no body needs to know i paid this or that or transferred this or that. i do not need that information since i already have it secure on the banks site and my account which only i have access unless the bank is hacked, harder to do than hack email. 
i went through the XXXX  of virginia and the attorney general office of consumer affairs of XXXX and yet capital does not respond or thumbs the nose up at powers to be and has no concern for customer data. i never gave them permission to do this! 
correspondence to : capital one XXXX XXXX XXXX XXXX XXXX, VA XXXX too many phone calls and different phone numbers and countless agent
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2024-08-19
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The company keeps reporting my account as a late payment after admitting their error. 

They have corrected it twice and last week they posted it late again. 

I am up to date and current on my payment.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX and on XX/XX/XXXX I processed ACH payment to two of my business vendors. Neither vendor received those payments, which together amount to over {$1100.00} On XX/XX/XXXX I filed claims. 
On XX/XX/XXXX I was told that it could take the bank up to 45 days to reach a " determination ''. 
In the mean time, I have to pay the vendors again. 
I was also told that the bank would not compensate any late fees due to the bank 's failures. 
In addition, this situation is due to the bank 's failure to continue access to their Bill Pay feature, which is how I've paid vendors for a decade. They changed service providers and did not include my account in the transfer. I filed a complaint 6 weeks ago, and their response is that an " open ended '' investigation is ongoing.
Consumer complaint received 2023-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

On date of medical procedure XX/XX/2022 I informed staff I could not afford the procedure, they informed me I can go on with the procedure and be put on a payment plan, which I did and made regular payments. Once on the play I called and even inquired about how long I could make payments for and was told it would not go into collections. I made regular payment and once I had a surplus of savings ( less than 9 months after receiving a large bill ) I paid off the full remaining balance -- -then I received notification that it was sent to debt collectors : 1 ) I was told I could go on a payment plan, this should have never been sent to collections since I was making payments in good faith 2 ) If I was not meeting minimum timeline or payment amount I should have been contacted before it was sent into collection to see if I could meet their minimum 3 ) Sending a willing patient payer into collections is just plain mean and unnecessary especially when told my account would not go into collections 4 ) The debt was paid and should be removed from nay trace of being sent to collections, considering contacting an attorney to see how this can be rectified without having it effect my good credit standings.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have had a Capital One business account for decades. I've used their XXXX XXXX service to pay my personal bills and business invoices. Some of them are regular recurring payments. 

The bank changed payment contractors, notifying me only after the " completion '' of the process. However I was no longer able to access the service from their web portal. 

XXXX times in succession I was told that a service ticket was submitted and that they tale XXXX days for each to be addressed by the " digital team ''. On the fourth complaint I was told that it has been submitted for a " secondary review '' with an open ended resolution time. 

Several times I asked to speak with someone more directly connected to the new contractor and was told that it's just not possible, until XXXX supervisor did actually transfer my call to the company. They told me that my account was not transferred to me by the bank. 

Meanwhile, for XXXX weeks I've had to make alternate arrangements to pay my debtors and figure out who were the recurring payments. 

In addition, I just learned that XXXX debtors who I paid by ACH through the bank did not receive the funds, though the funds were taken from my account. 

Capital One Bank has been very unresponsive, not helpful, and doesn't seem to be concerned. 

I requested a written statement from the bank with an explanation accepting accountability that I can provide to my debtors who were not paid on time. They said that the request would be submitted and I can expect a decision in XXXX months!
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OK)

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 and never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-07-30
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)

XXXX XXXX XXXX - XX/XX/XXXX2024 XXXX MORTGAGE XXXX XX/XX/XXXX2024 XXXX XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XXXX - XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023 XXXX XXXX - XX/XX/XXXX2022 2022