davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (OH)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant error in my credit reports provided by XXXX, XXXX, and TransUnion. It has come to my attention that a collection account associated with my personal credit history is being reported mistakenly. I kindly request the Consumer Financial Protection Bureau 's intervention in rectifying this issue by ensuring the immediate removal of the said collection account from all three credit reporting agencies. 

Account Details : Creditor : XXXX - XXXX Service Date Opened : XX/XX/2020 Balance : {$0.00} Account Number : XXXX To provide some context, the account in question is a business credit card that is directly associated with a common business of which I am one of the owners. This account, however, should not be reported on my personal credit history as it is solely related to our business operations. According to the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, it is crucial that credit reporting agencies accurately reflect an individual 's creditworthiness and financial history. 

Under the FCRA, consumers have the right to dispute inaccurate or erroneous information contained in their credit reports. Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must promptly investigate and modify or delete any information found to be inaccurate, incomplete, or unverifiable. In light of this provision, I kindly request your assistance in ensuring the correction of this misreported collection account, as it is unjustly affecting my personal credit history and potentially impeding my ability to secure future credit or loans. 

I have already taken the necessary steps to dispute this error directly with XXXX, XXXX, and TransUnion. However, despite my efforts, the collection account remains on my credit reports. This situation has prompted me to seek the intervention of the Consumer Financial Protection Bureau to help resolve this matter promptly and ensure that my personal credit history accurately represents my creditworthiness and financial standing. 

I trust in the expertise and dedication of the Consumer Financial Protection Bureau to uphold consumer rights and ensure fair and accurate credit reporting. Your intervention and assistance in this matter would be greatly appreciated, as it will enable me to rectify this unjust reporting error and preserve the integrity of my personal credit history. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the removal of the mistakenly reported collection account from XXXX, XXXX, and TransUnion credit reports. Please do not hesitate to contact me if you require any additional information or documentation to expedite the investigation process. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-24
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Ria Envia, LLC (CA)

Last XX/XX/year> I sent a remitance through RIA mobile apps and the exchange rate was {$1.00} = XXXX XXXX but to my surprise when it was credited to the account the exchange rate is only {$1.00} = XXXX XXXX. I tried to call RIA customer service and they told me they can't do anything about it.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the public record on my credit report, challenging the accuracy, compliance and reportability of the bankruptcy listing in my credit report ( faxed to Transunion on X/XX/2017, and mailed in XXXX/2017, and XXXX/2017 certified mail ). I never received the investigation results of the bankruptcy dispute. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws. I included a copy of this letter with the fax on XX/XX/2017. I did receive a confirmation letter from TransUnion stating they received my faxed dispute and the court letter, but the letter from the court was n't information they could use. I never received any notification letter from Transunion regarding the results of these disputes about the public record. Currently, on my Transunion report, it states that information is obtained from a third party. Well, who is this third party, that gives/sells information to the CRAs? Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating, and then selling the information to credit reporting agencies. Public records information is NEVER validated by the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW.
Consumer complaint received 2023-09-06
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. (NE)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (IN)

Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IN)

On XX/XX/, I bought a credit monitoring service from Equifax, but it never works, and I have been calling them every month since XX/XX/, to try to cancel it because the product does not work at all, but they keep charging me {$9.00} since every month.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

When I log onto my account it says XXXX is available balance. 
But funds are currently not available for withdraw please call XXXX When you call that number it sends you to Capital ones costumer voicemail and you leave your info, I have been calling this number since XXXX, I need to get my money, if they have closed my account they need XXXX me a check for my account balance, which I want to close my account because I don't care what they say they have been holding money that is mine that I worked for and I have t been able to even talk to a person to get it, I have bills that are due and them doing that put me behind. It has been 4 months and still nothing and no call back no access to my money I have called the number every other day since XXXX left voice mails no response I really need myoney from them.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I put in a dispute for the accounts that were on my credit file that I had no knowledge of or connection too. I contacted all 3 credit bureau XXXX, Equifax, XXXX and they didn't take care of my problem. 
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ) ._ The accounts are XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These are all of the accounts that I need removed from my credit report .
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2023-10-24
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2024-03-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FIRST UNITED BANK AND TRUST COMPANY (OK)

XXXX, 2024 we began the process of a cash back refinance with a VA loan. using XXXX XXXX Bank, XXXX Oklahoma. Our loan officer was XXXX XXXX. After preapproval the application process began. 
On XX/XX/XXXX an e-mail from XXXX stating we had conditional approval. XX/XX/XXXX My wife and I were called into a meeting with XXXX and turned over our abstract, and the loan papers for the VA loan was in progress. The next day I was instructed to pay {$700.00} for an appraisal fee, and I had to use a credit card. I complied. However, this was an undisclosed financial obligation. 
On XX/XX/year> XXXX mail from XXXX stating the VA loan would not work for cash back and ordered a different appraisal for a conventual loan. Our intent was for a VA loan. 
On XX/XX/year> XXXX informed us that only appraised for {$130000.00}. I informed XXXX that our home according to XXXX XXXX is worth {$200000.00}. I find this to be questionable business. We requested our abstract back and i was informed that the bank has sent it off to a XXXX XXXX. we had not signed any papers or contracts for the XXXX work to begin. 
Our abstract is currently at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The cost of returning my abstract is {$600.00} plus {$1300.00} for lawyer fees. 
I am requesting my abstract to be returned without fees from First United Bank XXXX Oklahoma.
Consumer complaint received 2023-08-01
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. (CA)

On XX/XX/2023 I mailed a certified letter to Equifax and XXXX about an account with XXXX XXXX account on my credit report. I asked for proof that I was ever late on a payment with this company. A bank statement showing that I was late. After 30 days they just verified the account. They did not send any proof showing that I was late. 

On XX/XX/2023 I mailed another certified letter to reinvestigate the results from the following dispute that I sent out on XXXX and again I did not receive any proof that I was ever late on payments to the company,
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-10-24
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. (AZ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-08-01
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. (OH)

I have a few accounts that are not accurate XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX I want to formally request as a consumer to request that you only report True, Factual, Correct Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I have filed a Police report with XXXX.
Consumer complaint received 2023-10-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (AZ)

Was issued a Visa Prepaid Card. Original Balance {$100.00}. There is currently a remaining balance of {$31.00} on the card. 

The card says in large bold letters " FUNDS DO NOT EXPIRE. '' Reasonably, a consumer would expect that the funds don't expire. In fact this is not the case. When I called to request a replacement card ( since my debit card is past the expiration date ) they told me the funds are forfeit and not to even bother trying to talk to a support representative as they would not be able to help me.
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

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 XXXXXXXX I hereby invoke the doctrine of Estoppel by Silence, as established in the case of Engelhardt versus Gravens ( MO ) 281 SW 715, 719, to assert my rights. It has come to my attention that my personal information was utilized without my consent to incur a debt that, in reality, does not exist. As of XX/XX/2023, I have become aware of my involvement in a data breach with Equifax. I respectfully request the immediate removal of these erroneous items.
Consumer complaint received 2023-10-24
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$4500.00}, XXXX XXXX XXXX Balance : {$4300.00}.
Consumer complaint received 2023-10-24
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. (FL)

I am the person making this complaint & I give CFPB authority to investigate this claim. This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be removed. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response. The following item must be deleted : XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete this fraudulent account ASAP.
Consumer complaint received 2023-10-24
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.