davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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: LEXISNEXIS (KY)

My last request for an investigation was denied by the company because somehow it seemed as though I did not write and submit my complaint. I don't understand why this collection is showing on my XXXX credit report because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1692g : Validation of debts is a requirement by law and must be adhered to. 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2 : also states that a Consumer Reporting Agency ( CRA ) can not furnish a account without my written instructions. I have never given XXXX written instructions either. I XXXX XXXX wrote this complaint alone and without help. I have attached my Drivers License, Home Lease, Social Security Card, and a Current Utility Bill. Once your investigation is complete, Please delete this inaccurate collection account and mail me a corrected copy of my credit report/ file.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Yesterday, on XX/XX/2023, I was alerted by both XXXX XXXX and XXXX that a hard inquiry was made on my account without my authorization. I would like to bring to your attention that I did not apply for any credit cards or authorize any entity to perform a credit check. This discrepancy has caused concern regarding the accuracy and security of my credit report. I would appreciate your assistance in rectifying this matter promptly.
Consumer complaint received 2023-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to express my strong dissatisfaction with the credit reporting agency. Despite my many attempts to fix the problem, they have consistently ignored my requests and shown a lack of commitment to making sure credit reports are correct. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX, Equifax, and XXXX chose to ignore my previous complaints. It's clear that they didn't have good procedures in place, which led to credit reports that are not as accurate as they should be. According to the rules, XXXX, XXXX, and Equifax are supposed to investigate and respond to my disputes within 30 days. But I haven't heard anything from them, and they haven't made any effort to look into the mistakes in my credit report. This situation has caused me a lot of stress and frustration. I trusted these credit reporting agencies to handle my information responsibly, and their failure to address my concerns has made the problem even worse. I demand that they quickly investigate thoroughly and give me a satisfactory response about the mistakes in my credit report.
Consumer complaint received 2023-08-28
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. (OH)

at 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE REQUESTED the accounts to be properly updated due to the fact that the accommodations requested during the timing did in fact qualify for the protection under the cares act.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'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 2023-10-31
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. (IL)

Due to the absence of the REINVESTIGATION process from the credit bureaus end, I insist on a quick deletion of those derogatory items from my records. I kept reaching out to these companies for a couple of months this year XX/XX/2023, because of these numerous inconsistencies they have furnished on my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The inquiries from the following companies were not authorized by me and or anyone representing. 

Companies : XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, 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 2023-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

This delay is not only a violation of the FCRA but also an egregious oversight that has a direct and adverse impact on my creditworthiness. The inaccurate reporting of a late payment is damaging not only to my credit score but also to my ability to secure favorable terms on future credit. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite my efforts to rectify this situation and the clear guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I find myself facing an unresponsive and inefficient process. The FCRA stipulates that a credit bureau must investigate and respond to disputes within 30 days. However, to my considerable irritation, the stipulated timeframe has elapsed without any response from your bureau. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I insist on immediate action to rectify this situation. I demand that your bureau promptly investigates and corrects the inaccurate reporting of the late payment on the account. The failure to adhere to the FCRA 's mandated response timeframe is unacceptable, and I expect your bureau to take corrective action without further delay.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Equifax is reporting a delinquency from XXXX XXXX. The first day of delinquency is incorrect. The information is old and should be removed, however XXXX system will not allow me to dispute it. XXXX XXXX has not removed it.
Consumer complaint received 2023-11-03
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 (DE)

PayPal has been holding my money for XXXX weeks after I sold services to a client. The client called PayPal and confirmed receipt of services from me but after multiple attempt to do so, PayPal refused to release my money. It has been XXXX weeks and I have not received my XXXX which is on hold. They have verified me with my social security, phone number and address but they still are holding on to the money. We both called them but they still refuse to release the money. Meanwhile, paypa has charged me a fee of close to {$78.00} for the transaction for receiving the money but they still have not released my money in its entirety of of close to {$2400.00}. Please investigate their business practices which harm small business owners and other consumers.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute late payment remarks continuously appearing on my credit report. Please investigate and remove these remarks promptly. 

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight. 

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.
Consumer complaint received 2023-09-23
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Company refuses to acknowledge that there is an error in their credit limit system. Keeps responding with a generic automated reply without even looking into it. If they look at their own reply, and read the documents on Capital one, they'll realize that the XXXX  denial is wrongly attributed to a secured card, which my card is not, and hasn't been for a long time now. The system seems to have never updated the card from secured. Nevertheless, the incompetent representatives at the executive office seem to not be able to understand this, or know how to research it. Instead replying with a voicemail, and auto generated letter through here. A voicemail which states a number to call them back on and extension, but they never pick up. And they all state that their only in the office till 4pm or so EST, which is 1pm PST. 

I suggest reading your reply, then reading your own website, before sending these terrible automated replies that don't like into the issue. 
I'll make it even easier and show the parts of the reply which are completely incorrect. 

" Were reaching out to you about the request submitted to the Consumer Financial protection Bureau ( CFPB ), regarding your credit limit. 
We understand you would like us to increase your credit limit. Unfortunately, for the reasons outlined in our letter ( enclosed ) dated XX/XX/2023, your account isnt eligible at this time. 
Please note that you may visit XXXX for more information about credit limit increases. " Okay, so " my account isn't eligible at this time '' Okay so let 's visit www.capitalone.com/credit-cards/credit-line-increase/ for more information about credit limit increases and see what it says. 

" 1. 
Are all Capital One cards eligible for a credit line increase? '' Some accounts aren't eligible for increased credit lines upon request. Accounts that are usually ineligible : Are new accounts opened within the past several months. 
Are secured credit cards. 
Have received a credit line increase or decrease over the past several months. 


So my account XXXX : Are new accounts opened within the past several months. 
NO Are secured credit cards. 
NO, but used to be so this is where the problem is!!! System was probably never updated to reflect this change! 

Have received a credit line increase or decrease over the past several months. 

NO. 


So until you actually fix this. I am more than glad to file regulatory complaints with CFPB, CA attorney general 's office, California Department XXXX XXXX XXXX and XXXX, Better Business Bureau, and so on, on repeat, until the problem is actually addressed and fixed. 

And not just replying with a cookie-cutter automated reply that chat XXXX could've wrote which is factually completely wrong.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do 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.
Consumer complaint received 2024-06-10
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've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-04-25
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. (NJ)

please delete the following accounts and inquiries Account Name : XXXX, XXXX. 
Balance : {$620.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX, XXXX Account Number : XXXX  When was the Account opened XXXX. XXXX, XXXX Account Balance : {$3200.00} Account Name : XXXX XXXX XXXX Balance : {$13000.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (GA)

Hi. I purchased a money order on XX/XX/2023. I filled it out and soon realized I no longer needed it. I filled out a refund request with Western Union on XX/XX/XXXX and received an XXXX  case number ; XXXX. ( see attached ). It says it would take 30 days to process. It's been more than 30 days so I contacted WU customer support by chat and the rep was very confusing and would not allow us to speak over the phone so I could understand what she was saying. I shared with her the XXXX XXXX  # and that I have both the unused money order and receipt in hand. She was not helpful and there is no way to contact them by phone to my understanding.
Consumer complaint received 2024-07-24
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 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
Consumer complaint received 2024-07-17
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (FL)

On XX/XX/year> I filed a dispute fraud claim with way to go payment processing service for Florida reemployment card I turned in all the required paperwork and was told that I would receive a provisional credit on the XXXX day of {$1100.00} and never received the provisional credit a supervisor was supposed to file an escalated dispute I've talked to several people he told me that it would take two days if I was sent in the proof that I was incarcerated and I would receive my money in 2 days I still haven't received any money every time I call them and talk to someone I'm getting told a different story that they were working on it three different people told me that they hadn't even touched it yet I've been jerked around and lied to and I still haven't received any money I was incarcerated at the time so clearly I did not make the charges I sent in all the paperwork proving that I was incarcerated and still haven't received any money and again every time I talk to someone I'm being told a different story they are lying to me and it's not right
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

On XX/XX/year> I Received A Phone Call From A XXXX XXXX From Genesis Collection Agency " Columbia Debt Recovery LLC dba Genesis NMLS XXXX ''. ( Genesis Collection Agency ) I Did Mention That If A Collection Agency Buys A Debt I Am No Longer Responsible For Set Debt And Told Him Thank You. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are Responsible For Selling/Giving My Information To This Collection Agency . They Are All Responsible For Identity Theft On My Accounts. When I Spoke With XXXX XXXX XXXX He Did Tell Me That He Has My Name Phone Number Address And Social Security Number. I Told His Incompetent 's XXXX Thank You For Admitting That You And Your Company/Corporation Are Responsible For Committing Identity Theft And Copyright Infringement And You Will All Be Held Legally Liable For Damages. 

I Also Spoke With The XXXX XXXX XXXX. He Did XXXX XXXX XXXX ( Fair Warning If You Listen To The Recording ) But I Knew What He Was Doing He Wanted Me To Cease And Desist Them So They Wouldn't Be Held Liable. So I Rescinded It After About 5 Minutes In Writing Sent To XXXX XXXX Through Email When I Called Back And Specifically Asked For XXXX XXXX As He Was The First Person I Spoke To. I Did Ask Him Who Sent Him The Papers And If It Was XXXX XXXX The XXXX XXXX XXXX XXXX XXXXXXXX XXXX He Did Confirm Her And XXXX XXXX XXXX Were Both Involved. He Did Mention That ALL My Copywritten Documents Sent Via Mail To XXXX XXXX XXXX XXXX XXXX At XXXX XXXX Apartments ( Registered And Certified Mail ) They Had Them He Mentioned Quite A Few Documents, Per Each Document Is $ XXXX Dollars Its Written In My Common Law Copyright Apostilled With The Secretary Of State In Nevada. 

I AM REQUESTING THE ASSISTANCE OF THE CFPB TO RETRIEVE ALL THE RECORDED PHONE CALLS AND ALL THE DOCUMENTS GENESIS AND COMUMBIA DEBT RECOVERY HAS. AND I WANT THEM HELD LIABLE FOR DAMAGES TO THE FULLEST EXTENT OF THE STATUTES, CODES, PUBLIC LAW, ETC... I AM REQUESTING THE CFPB TO PROVIDE THE PHONE CALLS AND DOCUMENTS THE DEBT COLLECTION AGENCY RECEIVED FROM THE CORPORATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX