davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX FIN XX/XX/XXXX XXXX FIN XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-09
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: GOLDEN 1 CREDIT UNION, THE (CA)

I received a letter dated XX/XX/2023 from Golden One Credit Union offering me a Loan Modification due to me being laid off from my job in XX/XX/2023. 

I was told by their XXXX XXXX XXXX. to NOT MAKE MY XX/XX/XXXX payment and to follow the modification schedule and make my next payment on XX/XX/2023 for the amount of {$320.00}. I made that payment prior to XX/XX/XXXX and the payment was not reported to my credit report and my account did not show current. Instead XXXX XXXX decided to report my account 60 days past due. Even though I made my payments according to their modification schedule. 

Golden one has ruined my credit by reporting my Auto Account 60 days past due and they refuse to fix their mistakes. Since then I have made a {$650.00} payment to bring the account current and cancel their loan modification agreement. I would never agree to a loan modification if I knew they would continue to report my account delinquent while I'm making payments. 

This is violation of the Fair Credit Reporting Act and another example of banks abusing their powers with unfair and deceptive practices. My account was always current over the years until I was laid off due to a mass layoff by my employer in XXXX. That is the only reason I asked for help and they offered a modification agreement.
Consumer complaint received 2023-04-12
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX  XXXX XXXX  XXXX Balance XXXX {$130.00}
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (NJ)

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 : {$120.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX : {$1900.00}
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

In XX/XX/XXXX, my bank froze my accounts. There was a positive balance of {$23000.00}. 
I was locked out of my bank and all of my money until XX/XX/XXXX. I lost my home and my car. My husband died riding a bike to work, because we couldnt afford a car. 
The XXXX distributed {$4000.00} out of a {$26000.00} loan. The other {$22000.00} was blocked/denied and my loan was terminated. 
When I got control back of my bank, it had only {$2700.00} in it. 
I was told that the money in the bank went back to the original depositor. That is not true. 
My son ( just turned XXXX ) and my father got their paychecks deposited into my bank. 
They never got their money returned and neither did I. 
The depositor verified this on 4 occasions. 
I am paying money on {$12000.00} I never got, as is my son and my father. 

PNC bank has told me numerous lies about law enforcement having a hold on my money, when in fact, they did not. 
So, to sum it up. Me, my son and my father are all paying back money that PNC took from me. They didnt send it back to the depositor. They did not call to ask me any questions about my account before they cut me off of my money and took everything I held dear. There was NO correspondence from XX/XX/XXXX until XX/XX/XXXX. There should be upward of XXXX in my account. Thats just what I can count. The statements I always had online have been removed and online access has been blocked. 
One teller told me that PNC tried to return it, but it came back in XXXX and they blocked that deposit also. 
This bank destroyed my life and had an attitude while doing it. 
I have multiple recordings of them lying to me back and forth when I have called, as I recorded each call.
Consumer complaint received 2024-07-01
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 (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that were 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 XX/XX/year> and XXXXXXXXXXXX. 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.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (NE)

15 U.S code 1681c a consumer agency shall block the reporting of any information in the file of 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. It has been 30 business days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these immediately! These accounts should not be furnished on my consumer report as they are a violation! Under, 15 U.S code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency written consent to anything on consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion on these accounts listed immediately.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted XXXX to ask that this account be removed since it's been settled and is damaging to my report. I have no got a response as of yet from this company.
Consumer complaint received 2024-07-03
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. (VA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX Incorrect Name : - XXXX G XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as rollows : Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX, XXXX XXXX  and XXXX are reporting late payments in the past. 
I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion and XXXX credit companys have accounts not set up by me they was open under my info after loosing wallet with XXXX in it as well only account I have open for myself is any open credit card accounts XXXX XXXX  being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm XXXX these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XX/XX/90
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Silverman Theologou, LLP (DC)

Greetings CFPB, May this email find you well. The Government Printing Office hired the law firm of Silverman Theologou , LLP, XXXX XXXX, XXXX, XXXX XXXX, XXXX to file a claim in DC XXXX XXXX against XXXX XXXX XXXX previously, for credit card debt of approximately {$600.00}. 

I filed an extension of time request on XX/XX/23, to allow me sufficient time to present a successful counterclaim. On XX/XX/23, I checked the court case records and discovered the court case file by Silverman Theologou , LLP, XXXX XXXX, XXXX, XXXX XXXX, XXXX  and the Government Printing Office was dismissed.
Consumer complaint received 2024-07-03
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: The Receivable Management Services LLC (NC)

Around XX/XX/year>, I filed a dispute with XXXX and XXXX stating that XXXX XXXX XXXX and Receivable Management Services, LLC are attempting to collect a debt in the state of North Carolina without a N.C. DEBT COLLECTORS LICENSE and therefore these items should be removed from my consumer credit reports. NC law requires that a debt collector must be licensed in the state in order to collect on any consumer debt.I did my research and checked XXXX website. Though the companies are valid debt collecting companies, they do not have a license in the state of North Carolina to collect debt. An alleged investigation into the matter was done by the XXXX XXXX XXXX and the response was that the debt was verified as belonging to me and it would stay on my reports. I called the credit reporting agencies back explaining to them that that have violated my right under the FCRA by not accurately reporting and investigating and they did not investigate the matter that I initially submitted. They in turn placed remarks on my credit report like : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX for XXXX XXXX XXXX ; Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION - XXXX. Completed investigation of FCRA dispute.I also have contacted the debt collectors listed but no recourse. I am requesting that these companies be fined, that these items be removed from my credit report, and that I be compensated for these violations to the maximum rate of the law.
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I visited the Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, GA XXXX on Thursday XX/XX/XXXX around XXXX. I chose this branch because of its proximity to my home, needing to cash a check from my Merrill Lynch retirement account, which is also affiliated with Bank of America. Initially, I felt judged upon presenting the check as a XXXXXXXX XXXX Despite informing the teller that I wasn't a customer but had previously cashed checks there, she hesitated for six minutes before calling XXXX XXXX for assistance. 

XXXX reviewed the check and remarked that she needed to verify something. After scrutinizing the computer, she informed me that she couldn't cash the Bank of America check due to an inability to " verify '' it, advising me to deposit it at my own bank instead. When I inquired further, she declined to disclose specifics, asserting that contacting Merrill Lynch or my bank wasn't necessary. Interestingly, other XXXX XXXX were served promptly, though I can't confirm if they were Bank of America customers. 

Later, I visited the XXXX XXXX XXXX branch without incident, where the check was swiftly verified, underscoring my belief that discriminatory practices were at play at the initial branch. XXXX XXXX 's handling of the situation suggests a need for retraining to prevent potential issues for the company.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DC)

I have a Venmo account. Someone paid me back {$2500.00} to my Venmo. When I tried to add my bank account information so this money could be transferred to my bank, the Venmo app would not allow me to add the information and then Venmo suddenly suspended my account. I tried calling Venmo for assistance but could only reach a representative ( or AI ) by chat. They told me they could not help me and Id have to wait several days for anyone to reach back out to me. I looked everywhere for a number to call Venmo. The only number I found would only allow me to communicate information via chat, not to a live person. I found another number by XXXX Venmo and I tried calling that. A representative answered the phone, but I soon figured out that they were likely fraudulent and not a real Venmo rep. Mind you, this fake Venmo phone number is everywhere online, and I would think Venmo would try to scrub it from their XXXX search so customers dont get scammed and lose even more money. After 1.5 hours of work on this, I have yet to find anyone at Venmo to speak with who can help me, and the chat AI could not help me either. It is clear that Venmo does not want to release my {$2500.00} to me, which is concerning. If I cant get this money in a couple days, I plan to file a police report.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-09
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. (TX)

I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.