davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX, our accounts ( checking and savings ) were frozen due to fraudulent activity. WF said they would be closing the account. XXXX went to the manager of the XXXX branch to see if she could get a check for our funds or part of the funds. He was very helpful and got on the phone to fraud dept and they said they could only do that if both people on the account were present. XXXX and XXXX, who got off early from work and came from XXXX, then met over at the XXXX branch. The manager there was also very helpful and again called the fraud dept and was told they could not help them and transferred to another dept, who did not answer the phones because they had gone home at XXXX. So XXXX and XXXX came back in the next morning, taking time off from work, for the manager to call again. When she finally got hold of someone they said all funds were frozen until XX/XX/XXXX when a check would be cut and the accounts closed. She tried to get even part of our funds for us to live on, but the fraud dept refused. It is now XX/XX/23 and our funds have not been released and no communication has come to us about when we can expect our money.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted the credit bureau due to a notification from XXXX  about anothe acct opened with my information. This acct was open by Capital one and I did not have authorization they provide saying that first the acct ha payments returned I asked what was the balance they said no balance I asked the why would they report it. Rep was rude and kept repeating the acct was closed due to payments returned I told him I never got any information until now and asked to remove the inaccurate information. Rep was rude once again and said he cant do anything about it. The said that they have it investigated
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (NC)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (FL)

Debt Recovery Solutions Inc reported to all three majors credits bureaus that I owed them a balance. I did not receive a notice of right to dispute this debt nor enough supporting information that validate this debt. This action violates the law which states that a collection agency is required to provide consumer with an information notice to dispute, give the consumer 30 days to dispute, request supporting information to confirm the debt. Meanwhile all collection activities must be ceased until information is provided to consumer. I have received nothing from Debt Recovery all I see is a negative mark on all my credit report.
Consumer complaint received 2024-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Debt Recovery Solutions LLC to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34. 

Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification. 

Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. 

Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. 

Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Debt Recovery Solutions LLC for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. 

I am also revoking all rights of Debt Recovery Solutions LLC communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between Debt Recovery Solutions LLC and the original creditor. I am also requesting proof that they are licensed and bonded. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (IN)

I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-17
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. (WI)

I have requested Transunion to reinvestigate the accounts listed below that they are currently reporting on my credit report. But they are refusing to conduct a reasonable reinvestigation about the accuracy and validity of these accounts. And I am not liable for none of the accounts listed below so they must be removed from my Transunion credit report 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
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

THE BANK SAYS THAT I DEPOSITED A CHECK FOR A LARGE AMOUNT HOWEVER THE AMOUNT IS NOT MINE AND I DID NOT AUTHORIZE THE CHECK TO BE CASHED OR ANYTHING. I ASKED FOR THE BANK TO MATCH MY SIGNATURE HOWEVER THEY WOULD NOT MATCH IT AND STILL SHOWS THAT I OWE THAT AMOUNT. 
I DID NOT AUTHORIZE THE AMOUNT OF THE CHECK. PLEASE HAVE THIS REMOVED FROM MY CREDIT TO BE ABLE TO OPEN MY CHECKING ACCOUNT..
Consumer complaint received 2023-04-28
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. (AL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$310.00}
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reluctantly opened at charge account at Kohl 's at the instance of a cashier ( XX/XX/XXXX ). 
I paid off the first bill online by enrolling my bank account information into the Kohl 's website. I don't remember agreeing to email statements ; it must have been a default checkbox somewhere. 
Some number of months later ( XX/XX/XXXX ) I used the credit card, expecting the bill to be paid automatically like every one of my other credit cards is. The bill was due XX/XX/XXXX, but unpaid since I apparently was not enrolled into the auto-payment system. 
Kohl 's online statement went to a junk mail account and I never read it. Kohl 's had the email receipt feature turned on, so they should have known I never read it. 
Kohl 's did not call me to inform me that my payment was late. The cashiers at the store can accept payments at the register, but they never told me that I had an outstanding balance. 
Kohl 's printed a USPS notification on XX/XX/XXXX. I read it on XX/XX/XXXX and I immediately called them and paid my bill, including all the fees ( which were almost as great as the original balance ). 
The customer service agent said that they report late payments at 30 days late and are required to report late payments ( this is not a true statement ). 
I called Kohl 's back a few days later and spoke to a supervisor. She said Kohl 's doesn't report late payments until 60 days late. My payment was not 60 days late, so I didn't worry much about it. However, I called back again and asked if Kohl 's had indeed reported me to the credit agencies. The agent did not know, but submitted a request to the back office. She said they would get back to me within a few days. They never did. 

My credit history was almost perfect and now spoiled because Kohl 's did make a reasonable attempt to notify me of the problem. 

My complaints : 1 ) Kohl 's did not call me nor send USPS mail when they should have known that I was not receiving their emailed statements. I would gladly have paid immediately upon notification.

2 ) The first agent said that Kohl 's was required to report late payments and there was nothing they could do about that. This is incorrect information.

3 ) The second agent gave me false credit information about when Kohl 's reports late payments. My payment was not 60 days late.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2018-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (FL)

They are falsely claiming damages above normal wear and tear ( i.e. range pans, light bulbs, blinds over, sink sprayer over 10 years old, paint, etc.. )  when the home was occupied for a 4 year time frame. Each inspection I advised and had inspector record the following complaints : dishwasher never worked, request to replace/clean carpet, request to fix closet doors and shelving. The keys were returned. The tenant was unable to get in contact with XXXX XXXX- property manager because she had quit and no new property manager was assigned as end of lease was approaching.So there was no one to notify that I was moving which is why there was no eviction or lawsuit filed. There was no one to do a walk thru with me. They just sent this letter saying I owed. When I received the letter I called the new property manager and she said that many people fell thru the cracks when the property manager changed hands.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still inquiries that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these inquiries ( A ). I hope these disputed inquiries are updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (PA)

I am requesting the removal of Report of hard inquiries to my credit report account. 

I have not approved nor authorized these inquiries and request removal of all HARD INQUIRIES from all three credit bureaus : XXXX, EQUIFAX AND XXXX Please report all findings within 30days as this is harming my ability to establish new credit. 

Thank you for your cooperation
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

I have a business and use Square to run credit cards. They have blocked my account and say its under reveiw and it would take 24 hours. But now its been 7 days and They will not release my money. There was a balance of {$5000.00} and sales this week of {$9000.00} that they wont release. All my auto debits are set to come out on Monday and my payroll for XXXX employees is in that batch of money. I dont know what to do please help me. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (MI)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; STATE OF MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crow Creek Sioux Tribe (WA)

On XX/XX/XXXX, both my mother and my sister received a call from a representative named XXXX XXXX saying that I had a pending case in XXXX XXXX. Then my mother shows me the number and calls back, so I talk to the representative and she says that it is because I owe Buffalo Lake lending and that they are planning to take me to small claims court over an old debt. They also threatened a judgement on my credit report. She went on to threaten garnishment of wages and said that me not paying would make them go to court and charge me with fraud.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

It has been several attempts to delete misleading, fraudulent, inaccurate, and incomplete information on my credit reports. The credit reporting companies have refused to properly investigate and delete requested information from my report. Please help, this is a violation of consumer protection of privacy under FCRA.