davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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. (MI)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I went to the dentist at XXXX in which they financed my mouth partial I realized after some time when first wearing that teeth were missing and a bad fit, In any case the loan was already signed, I refused to pay some much money. The company did offer some relief and I am was willing to pay after getting into to my email. When I finally get in touch with the company, I wanted to negotaite a lower rate and The form offered a lower rate and also a chance to click other. I click other on the online form to tell my story to get a little more off in which this was a resolution on the form. The advocate skipped over my request for a fair resolution and submitted me to collections and charged me the original loan amount without any of the intial resolutions their company presented. She emailed me that it was in collections and never gave me my other chance for resolution. I don't see where this she did her job as a resolution specialist with making whatever decision she wanted.
Consumer complaint received 2023-07-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TX)

In the year XXXX I noticed on my credit report there was debts that did not belong to me, I hired a company to fix it but they did not. 

On XX/XX/XXXX I tried to fix it by my self, I called the company and they could not help me. 

I also filed identity theft and as they instructed me, I sent a letter to the companies that are reporting that I have debts with them. 

Today I took a look at my credit report account and they are still appearing.
Consumer complaint received 2023-04-22
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. (IN)

On or about XXXX I wrote a letter to the Clerk of Court, United States Bankruptcy Court, XXXX XXXX of Indiana asking to verify the procedure in which the court verifies records with credit bureaus Transunion, XXXX and XXXX. On or about XXXX I received co the Correspondence from the clerk stating " The Clerks office does not provide information about bankruptcy cases to third parties, including credit reporting agencies. On or about XXXX I filed another dispute in writing with the 3 before mentioned credit agencies and specified the information from the clerk of court and demanded the bankruptcy be removed from my credit file because the reporting requirements do not comply with FCRA 611 ( 15 U.S.C.1681 ) The bankruptcy in question was dismissed on or about XXXX  by motion of the court.
Consumer complaint received 2024-03-16
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 am writing to formally request the removal of the collection account listed on my credit report under the account number XXXX XXXX. After reviewing my credit report, I discovered that this collection account is inaccurately reported, and I believe it should be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am disputing the accuracy of this collection account based on the following grounds : Inaccuracy of Information ( FCRA Section 607 ) : The information provided in the collection account entry is inaccurate. I have no recollection or record of an account with the original creditor listed, nor have I received any correspondence or validation of this debt. 
Right to Dispute Inaccuracies ( FCRA Section 611 ) : As per the FCRA, consumers have the right to dispute inaccurate information on their credit reports directly with the consumer reporting agencies ( CRAs ). I have filed a dispute with the CRAs regarding this collection account, and I am concurrently disputing the accuracy of this account with your agency. 
Validation of Debt ( Fair Debt Collection Practices Act - FDCPA ) : Under the FDCPA, debt

collectors are required to provide verification of the debt upon the consumer 's request. I am requesting validation of this debt to ensure its accuracy and legitimacy. Statute of Limitations on Reporting ( FCRA Section 605 ) : If this debt is valid, it may be beyond the statute of limitations for reporting on my cre
dit report. I request validation of the date of first delinquency and adherence to the reporting guidelines outlined in the FCRA. 
I kindly request that you conduct a thorough investigation into this matter and provide validation of the debt as required by law. If you are unable to provide sufficient verification or if the information is found to be inaccurate, I request the immediate removal of this collection account from my credit report.
Consumer complaint received 2023-10-08
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (IL)

Am Ex Account ending in XXXX Membership Rewards Number- XXXX On XXXX XXXX, 2016, I applied for and was approved for the American Express Platinum card. This card required spending {$3000.00} within three months and receiving XXXX points in return ( XXXX ). 

Am Ex is now refusing to honor this agreement ( as well as XXXX other people who are in this same situation ). All of my expenditures were legitimate and I reached the spending required on XXXX XXXX, 2016. 

Put simply, Am Ex accidentally made public a private offer, I was approved and they are now seeking to punish those who appropriately applied and were approved. 

Additionally, Am Ex has frozen my ENTIRE rewards account, preventing me from not only using the XXXX points for the Platinum card, but an additional XXXX points which are in the account and have nothing to do with this promotion. 

I am simply asking that Am Ex honors its agreements and stop punishing their customers. I have been an Am Ex member for almost 20 years, they have made thousands of dollars in profit from me, I have never made a late payment and there is no basis for the denial of the benefit Am Ex agreed to. 

Please contact me if any questions and thank you.
Consumer complaint received 2023-04-28
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX 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 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I tried to rent an apartment and was denied. I requested a copy of the credit report and was shocked to see all of the incorrect addresses, phone numbers, employers, mis-spelled names. 

I contacted the credit agencies in order to fix the all of the errors. It has been longer than 30 days. 

The credit agencies will not let me delete the in accurate information listed above. In addition, my identity has been stolen and was part of the data breach reported by the Texas DPS.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called Capital one asking how much I needed to pay to east is the account. I did just that. The following month they billed me when the account was supposed to be closed and satisfied. The account ended up with interest I called them to report, they said they was going to investigate the phone call and get back to me. They never did. Asked them for my payment history to submit it in my complaint but they refused to send it to me. I called them back and a manager was going to call me back about negotiating a settlement never received a called. They have put that on my report effecting my fico score.
Consumer complaint received 2023-10-11
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. (OK)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX XXXX XXXX data reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$82.00} Final Payment and Case History reported from the XXXX  on XX/XX/XXXX = Balance Due XXXX I do not have a contract with this company and I don't owe the debt, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my XXXX formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I have tried over and over trying to submit this fraud report. This isnt my account and I need this removed ASAP. This is clearly fraud
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted a formal dispute letter addressing inaccurate and unproven derogatory information on my credit report and kindly request a thorough review and correction in accordance with applicable regulations.
Consumer complaint received 2023-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (KS)

Asked for validation from original creditors, and written deal and terms. Told them I had a dispute on one XXXX XXXX account that was never refunded, company will argue that they sent validation but it not the original contract with any itemized charges to prove the amounts are correct, they have 4 accounts and threaten to sue. And refused to send anything written I asked for validation multiple time and gotten they sent it, its not telling my anything they dont have the information I need to validate or just refuse to send
Consumer complaint received 2023-12-28
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 (IL)

Venmo has been in possession of my funds since XXXX of 2022. They froze my account and later sent an email in XXXX of 2022 that the funds could be withdrawn after receiving my ID. However, that was also inaccurate. Due the minimum amount of funds I did not prioritize pursuing the matter. However, when I did reach back out to Venmo they then asked for my ID again in addition to information that I would imagine to be an unacceptable request and possibly a violation of state and federal law. 

( A picture ( not a photocopy ) of your unexpired government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ). 
Copies of your past three statements for each bank account and card that has been associated with your Venmo Business Profile. 
Copies of any relevant business registration documents. 
A detailed explanation of your business model and a list of all URLs or websites that will be used to sell goods and/or services. 
Itemized invoices complete with customer contact information, including phone number, services provided, and tracking information if applicable for transactions between your business and USERNAME ) The complaint does not involve my business at all. Requesting financial statements for 3 months is inconceivable. 

I have sent my drivers license and a copy of the debit card associated and used on my account for the life of the account. 

Upon filing a complaint with the XXXX XXXX XXXX XXXX I reviewed their file XXXX complaints closed in last XXXX years. Most of which are complaints of stolen and frozen money that Americans Citizens are falling victim to. My issue is minor as it is only {$23.00}, It is nevertheless completely and utterly immoral. I hope that this agency will take action not only on my account but for the thousands of people in the US that experience hardships and irrevocable consequences due to this companies greed and lack of ethics. It is unfortunate and saddening to read some of this issue people have encountered. 

XXXX and XXXX has been an amazing help with companies like this. I would not advise using Venmo. Ive used many similar apps XXXX XXXX, PayPal, XXXX, etc and Ive never experienced anything like this.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

In 2018 I received a call from Navy federal saying I had fraud on my account and that I would receive a form to my email to fill out and email back I did and switch 2 months my accounts was closed I was then told they never received the form so I went into the bank to fill out the form and still nothing happen with the. Past 5 years I fill out this. Form over 40 times and. When calling or going the back I am told they dont have the form to fill out again in the meantime I had a lawsuit go into said account I had. 1 checking account and 3 savings account in which 2 was saving open for my children this has cost me so much pain my XXXX XXXX XXXX account was closed without any notice nor expansion my XXXX XXXX  just disappeared it like I never opened the account Someone is using XXXX to defraud me the answer the phone like their government agency and the Bank just the other day I called XXXX XXXX  XXXX only for the person on the other to give bank account numbers that does not belong to me at all
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-03-16
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. (PA)

reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ Experian, XXXX, XXXX ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TN)

in accordance with the fair credit reporting act JPMCB AUTO has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a- Definitions ; rules of constructions- Exclusions-Except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
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: Experian Information Solutions Inc. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Garrison Investment Group (OH)

Most recently on XX/XX/2023 I received a settlement offer for a large lump sum with Foundation Finance to resolve my loan/account. This was for a rather large lump sum and I replied back to that email requesting other payment plans/options on resolving my account. I work 2nd shift and a lot of 12 hour days, so free time during normal business hours are limited. I did not receive a reply for other amounts/options, so I emailed their account recovery specialist again on XX/XX/2023 asking for payment plans/options to be EMAILED since I do not have a lot of time for phone calls. XX/XX/2023 I had a voicemail/missed call from Foundation Finance after requesting email communication in my email on the XXXX of XXXX. I also had a missed call/voicemail on Monday XX/XX/2023 after requesting EMAIL communication.