davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc. (SC)

Subject : Complaint Against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXXPROSPER MARKETPLACE INC and XXXX XXXX XXXX regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. 

On XX/XX/, I discovered that XXXXPROSPER MARKETPLACE INC had sold my debt to XXXX XXXX XXXX and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive. 

I am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that XXXX XXXX XXXX XXXX have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXXPROSPER MARKETPLACE INC may have violated the FCRA by inaccurately reporting my debt after reopening the account. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation. 

In addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities. 

I appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (IL)

XXXX  XXXX XXXX XXXX XXXX XXXX says that they are unable to generate the questions required to verify my identity. When I requested information about which consumer report is used to generate questions, the rep did not know. I was told that if the questions could not be generated, then my identity could not be verified, and I'd subsequently be denied approval of membership. I was under the belief that my LexisNexis consumer file was locked. So I called them. And they too could not verify my identity right away. I had to email my ID in. After receiving my ID, LexisNexis advised me that 1 ) there currently was no lock on my file and 2 ) my file had NO information on it. This is impossible as I know about 6 months ago a request a copy of my file, and it was about XXXX page long. 

I need this fixed ASAP, as I believe it is the source of people not being able to verify me... including XXXX. I applied for XXXX XXXX on XX/XX/2024. Approval usually takes about 2 - 3 days. It's been 2 months. I'm beginning to this this is all related.
Consumer complaint received 2023-09-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Attempted to use an American Express gift card to make online purchases and add to digital wallet. I attempted to contact customer service but was only met with automated responses. The card continues to decline at several online retailers for purchases that an amount below the balance on the card. Online and in their information provided American Express says that you are able to use the gift card digitally and add to your digital wallet without issues but this has not been the case. The card had a balance of XXXX and I was only able to make 1 purchase after trying to use the card at several retailers for small purchase amounts. This was a purchase at XXXX for XXXX The balance as of Friday XX/XX/2023 at XXXX XXXX  PST is now {$480.00}. I was able to load my card on to XXXX and XXXX and XXXX XXXX, but they did not allow me to make retail purchases at all. They did place small holds of XXXX cents and XXXX cents on the card respectively. Additionally, it would not let me add my card to digital wallets on XXXX  or XXXX, in order to make one time purchases.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my six 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX : {$530.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00}
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

Ditech.com misapplied a payment of mine months ago ( XXXX ) and has failed to fix it. I have called them multiple times, and they have continued to promise that they are " researching the problem ''. However, they continue to send me collection notices and threatening letters, even though they have admitted that they see where the misapplied payment occurred. 

This has gone on for more than 60 days, and I have been unable to get anything more out of them than " we've escalated it to the VP of our department ''. 

Meanwhile, they are sending me letters that sound more and more like they are trying to take legal action against me, even though this is not my error. 

I'm concerned now that they are reporting this to my credit, but they are " unable to confirm '' that as well.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I had a capital one credit card closed I tried to contact capital one to reopen but they want me to reapply which I know will hurt my score. This card has the second longest history of all my cards. I am XXXX and the card had a 7-year history.
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (NJ)

the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-10-25
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)

I submitted a letter to the 3 Credit Bureaus last XX/XX/, 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 XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00}.
Consumer complaint received 2023-10-25
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. (GA)

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
Consumer complaint received 2023-04-20
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. (MO)

This is my 2nd 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 items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2018-05-15
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. (AR)

XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

For may years, but especially this year Citibank has been blocking purchases and while their management team has promised to text me to confirm authorization they have not and instead forced me to call in requiring 20 minutes or more to resolve. After repeated problems they offered me an upgrade card that cost {$500.00} their " Elite '' card that representatives promised would resolve the unnecessary declines that included trying to buy an {$8.00} sandwich. I have an 800+ credit rating, by the way. The new card did not resolve the issue but rather it became MUCH WORSE. I was so angry talking with their managers after repeated unnecessary declines, that I got into a parking lot car accident costing me several thousand dollars. After several incidents, I escalated the matter to their corporate office when I demanded my {$400.00} back. She said she could not do that but would credit me XXXX XXXX Airline miles. After several months, the credits did not hit. I emailed Citibank and the executive office called and denied they had agreed to miles, that was yesterday XX/XX/17. Hence my complaint today. Citibank card : ending in XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Ive Ask XXXX, Experian and XXXX to delete all my old addresses and phone # and to update my information and they didnt 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
Consumer complaint received 2022-12-09
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-10-25
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. (CA)

Last month I submitted a valid police report and identity theft report detailing how the accounts on my profiles are erroneous and inaccurate and they still have not removed the information after numerous times and mailings.
Consumer complaint received 2023-10-25
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. (TX)

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

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (NJ)

In accordance with the fair reporting act, the list of account below has violated my federally protected consumer right to privacy and confindentiality under 15 u.s.c. XXXX Account XXXX .... XXXX  XXXX XXXX. 
Account number .... XXXX. 
Has violated my rights. 
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 stats a consumer reporting agency can not furnish account with out my written instruction.

15 u.s.c. 1681 C. ( A ) ( 5 ) section state 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 anted ates the report by more them seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A. person shall not furnish any information relating to a, consume to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.. 
There is a need to insure that consumer reporting agencies exerciese their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy. 
Reporting company used your report improperly obtained or used for purpose that aren't allowed by law...
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing concerning the following account : XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX  XXXX. I am disputing the account type. It's inaccurate. Please delete it. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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 identity theft. 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 2023-09-10
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: BARCLAYS BANK DELAWARE (SC)

Unauthorized Hard Inquiries from : Barclays Bank Delaware XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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. (CA)

I am seeking information about the date on which the alleged delinquency occurred, information that should have been provided by XXXX XXXX XXXX  XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. While I understand that trade lines are typically removed after seven years, I would like to know the precise month and year when this particular trade line is set to be updated. Additionally, please furnish me with the address to which you mailed your request or the phone number you used to contact them. I am not interested in a general response outlining your usual investigation process. My request pertains to a comprehensive breakdown of how you received these specific responses. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-26
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. (CA)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00}