davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am disputing this debt due to fraud. I was contacted by Capital One via phone and letter. I have also received numerous letters from your company wanting to settle a debt incurred that I have no knowledge of. The letter states that I owe XXXX to Capital One. However, I do not owe that debt. My information was stolen along with my wallet, which included my state issued identification card, my personal social security cards, along with personal bank cards and information on XX/XX/2021, I disputed this account previously with Capital One and the major credit bureaus upon noticing identity fraud had occurred. I also filed a police report, FTC report and Ive had to obtain personal identification due to this. 
If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt. 
I reviewed my ( XXXX, and XXXX ) credit report recently and found the account listed above. I have no recollection of this transaction and I do not believe that it is mine and I consider this matter to be in dispute, due to identity theft and identity fraud. 
I have already disputed this account with your credit bureau. I need to collect all possible information on this account so that I can determine whether it is an error or a case of identity theft. 
I request that you send me all available information possible on this account, including a copy of the original signed contract or any other documents that would establish the nature of the transaction and when, how, and by whom it was conducted. 
If these details can not be verified and the account continues to appear on my credit reports, I shall be compelled to assert my legal rights under the Fair Credit Reporting Act ( FCRA ). 
I hope to receive a quick and satisfactory response, as I would like to resolve this situation. 
Thank you, XXXX XXXX I have attached supporting documents
Consumer complaint received 2023-09-21
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. (TX)

I found disputes with the three measurement major credit bureaus and they're telling me that the information was verified and how can it be verified if it's not mine. I do not have any medical bills that are outstanding. That's it that's all there is to say it's not me they need to take it off and don't just dismiss my dispute.
Consumer complaint received 2024-07-12
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. (GA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Re : Missing On-Time Payments for XXXX  Account Number : XXXX Dear TransUnion Consumer Solutions , I am writing to formally dispute the incomplete payment history reported for my XXXX  account ( Account Number : XXXX ) on my credit report. The payment history for the following months is missing on-time payments : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and complete information in consumers ' credit reports. Section 611 ( 15 U.S.C. 1681i ) mandates that upon notification of a dispute, you must investigate and correct any inaccuracies or incomplete information. 

I have enclosed copies of my payment records for the specified months, which clearly show that payments were made on time. These records substantiate my request for updating the missing payment histories to reflect " pays as agreed. '' I respectfully request that TransUnion update my credit report to accurately include the on-time payments for the months listed above for my XXXX account. Ensuring the completeness and accuracy of my credit report is essential for maintaining my creditworthiness. 

Please conduct a thorough investigation and update my credit report accordingly. I expect a resolution within the 30-day period stipulated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these corrections have been made.
Consumer complaint received 2024-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-06-12
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. (MI)

Under the Fair Credit Reporting Act. The list of Accounts has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681 Account Name : XXXX Account number : XXXX ; XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX  15 U.S.C. 1681 Section 602 States I have the right to Privacy 15U.S.C. 1681 Section 604 A Section 2 It also, states a consumer reporting agency can not furnish an account without my written instructions. 
15U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all items ASAP
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the Correction of Inaccurate Information I am writing to formally request an update and correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified names and addresses that do not belong to me. Additionally, I have found accounts linked to this inaccurate information that are not mine. This incorrect reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following names and addresses are incorrectly listed on my credit report : 1. Incorrect Name/Address : XXXX XXXX XXXX 2. Incorrect Name/Address : XXXX XXXX  XXXX 3 . Incorrect Name/Address : XXXX XXXX XXXX 4. Incorrect Name/Address : XXXX XXXX 5. Incorrect Name/Address : XXXX XXXX 6 . Incorrect Name/Address : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. Incorrect Name/Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX These inaccuracies have led to the wrongful association of the following accounts with my credit profile : 1. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 2. Account Name/Number : XXXX XXXX  XXXX XXXX 3. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 4. Account Name/Number : XXXX XXXX 5. Account Name/Number : XXXX XXXX 6. Account Name/Number : XXXX  XXXX XXXX 7. Account Name/Number : XXXX XXXX XXXX 8. Account Name/Number : XXXX XXXX  XXXX 9. Account Name/Number : XXXX  XXXX XXXX  XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of these incorrect names, addresses, and associated accounts on my credit report is a clear violation of this requirement. Please find enclosed copies of my identification documents, proof of address, and a copy of my credit report with the inaccurate information highlighted. 
I appreciate your prompt attention to this matter. Please confirm in writing that the incorrect names, addresses, and associated accounts have been removed or corrected. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

Around XXXXXXXX XXXX, I spoke with a representative who agreed to process a waiver for a {$30.00} late fee. I also asked for a replacement card to be sent because I never received the initial card. 

On XX/XX/, I received a text notification indicating a balance of {$62.00}. I called customer service and was told the representative did not process the waiver, resulting in another {$30.00} late fee and an additional {$2.00} interest fee. 

A supervisor waived one of the late fees, but the company refuses to waive the other late fee, despite the generation of the second late fee being due to a failure on behalf of their employee.
Consumer complaint received 2024-07-25
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (WA)

I was contacted by two people claiming to be employed by Professionals Credit Services based out of XXXX ( maybe ) with an office listed in XXXX on there site professionalcredit.com. 

The first contact was from a man on XX/XX/22 claiming I owned XXXX XXXX XXXX {$25.00}. I responded that it did not sound right to me and that I would contact XXXX to sort it out. He was insistent I deal with it now but I just didn't feel comfortable providing him with my personal information. 

I contacted XXXX, who confirmed that the debt never exisited and if it did they would certainly have record of both the debt and what credit agency it was sent to. I assumed it was a clerical error but they suggested it was a scam since they have been recieveing alot of inquiries like mine, with a low amount that they have no record of. 

Today ( XX/XX/22 ) I was contacted by a person names " XXXX '' claiming to be from Professional Credit Services and demending {$28.00}. I explained that XXXX denied the debt ever exist and that this was a phising call. At which point she got combative and refuse to provide me with a mailing address. She ended up giving a XXXX XXXX XXXX Idaho that doesn't match the contact information listed on the website of the company she claims to be employed from. 

" XXXX '' appeared to be calling from her personal number, XXXX. After a brief search of my call history I found the first call from XXXX XXXX that came from XXXX. That number had made multiple attempts in XXXX to contact me. 

I am in the process of contacting the credit agency to put a hold on my credit and inform them of what I believe to be an attempt at phishing. 

I felt it was important to also file an official complaint so that this matter get investigated since I do believe it's fraud.
Consumer complaint received 2024-07-12
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: Experian Information Solutions Inc. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-12
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. (MN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( Date Last XXXX XXXX XXXX Active : XX/XX/year> XX/XX/year> XX/XX/year> Date of Last Payment : XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.
Consumer complaint received 2019-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I was sending money over to a friend, but they sent me the wrong PayPal link. Ive been trying to contact the person for a refund, but they arent answering. PayPal says they cant do anything. I sent {$63.00} USD. Date : XXXX XXXX EDT
Consumer complaint received 2024-06-04
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 (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-06-12
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. (CA)

XXXX XXXX Account Number XXXX XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-20
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. (TX)

I AM VERY UNSATISFIED WITH XXXX THEY SAY THAT THEY SEND OUT A STATEMENT DO THEY HAVE NOT SENT OUT ONE THEY LIED TO SAY THEY WAS DOING INVESTIGATION ON THE DISPUTES THEY HAVE NOT DONE ANYTHING NO SENSE ANY INFORMATION I HAVE REQUESTED THEY KEPT DENYING MY REQUESTS AND DISPUTES I AM ASKING DID THEY OPEN THIS CASE CONCERNING THE DISPUTES WITH XXXX they said they sent out letter to me they have lied and continuously lying perjury on government document
Consumer complaint received 2024-06-12
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. (NM)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-07-20
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: CITIBANK, N.A. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX