davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Contact : ( XXXX ) XXXX SSN : XXXX File Number : XXXX Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Deletion of Paid Collection Account To Whom It May Concern, I hope this letter finds you well. I am writing to dispute the accuracy of information reported on my credit file regarding a collection account attributed to me. According to my records and attached documentation, this debt has been fully settled and agreed upon for deletion with the creditor, XXXX XXXX XXXX XXXX. 

Please find attached a Paid Loan Letter from XXXX XXXX XXXX XXXX, confirming the settlement and deletion agreement of the said collection account. This letter serves as conclusive evidence that the information currently being reported by your agency is incorrect and not reflective of the current status of the account. 

Account Details for Reference : - Original Creditor : Snap Finance - Collection Agency : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$0.00} In light of this, I respectfully request that you review the attached documentation and proceed with the immediate removal of this account from my credit report. The Fair Credit Reporting Act mandates that accurate and up-to-date information be reported. Given that this debt has been paid and an agreement for deletion was reached, continuing to report this account negatively impacts my credit score unjustly.

I appreciate your attention to this matter and look forward to seeing the necessary corrections made promptly. Should you require additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My card was cancelled due to fraud they reissued me w replacement card but I did not receive it for 2 1/2 months making me unable to log into my online account or making s payment bc I didn't no the replacement cards information. XXXX XXXX  called me and told me I was 3 months in default which I should not have been because the sick leave insurance was paying the minimum amount monthly but they told me if I would pay 2 months that they would bring the account to current and not place the late payment on my credit report, I paid the entire past due balance which was more than the agreement and they still placed it on my credit report breaking the agreement we had. I want it removed from my credit history.
Consumer complaint received 2023-10-12
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. (GA)

They still have an account open they are not removing they refuse to remove an education account that is closed and they experian no its closed but on my credit report its status is open its been closed but states open from year 2003 Please have them update this error
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX2022 ive owed {$230.00} to capital one. My monthly bill is {$91.00} dollars and i had previously paid it on XX/XX/XXXX. I missed my payment on XX/XX/XXXX due to me being unemployed. 
I contacted and set up a payment plan to catch my account up to date by XXXX XXXXXXXX 2023. This would have {$100.00} on XX/XX/XXXX and XX/XX/XXXX and feburary XXXX. 
There was an email sent with the details of the plan ( and this was more than the minimum id originally paid which was ridiculous ) I had paid {$100.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX ( must have been off {$3.00} ) i check my consumer report on XXXX and saw a missed payment on my credit report as well as 100+ % utilization for the capital one account.

They still showed the account on my balance having 2 late fees and it substantially dropped my credit more than i like to admit. 
Ive reached out to capital one and their response was not helpful at all and said the payment plan was not to prevent any late fees from happening or missed payments showing up on credit beuru I felt like i signed an agreement that was not originally intended for and i tried working with the monthly payment whoch was off by {$3.00} when paid to get myself up to speed. I did offer to not only pay the {$3.00} but the following months payment And the payment plan wouldnt help me any way as a consumer to deal with financial hardships as promoted Not to mention a high XXXX apr as well as a high minimum fee due with also late fees costing {$40.00} a month
Consumer complaint received 2023-10-12
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. (TX)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/22 I made a domestic wire transfer to a recipient of mine Name : XXXX XXXX in the amount of {$5200.00}. XXXX ID XXXX. But, my money was put on hold by Bank of America. However I have a chase bank account. When I tried to recall my funds back they never answered to the messages I sent them through my bank. My bank says they can't do anything until they respond. It's been 9 months that my money is with the bank. There's an ongoing inquiry. XXXX. and an ongoing case ID XXXX.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 

Account name : # XXXX with 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

After reaching out to Experian multiple times regarding an account that's reporting to my consumer report asking them to provide to me the proper documentation asked, they failed to do so. The account that's in violation is negatively impacting my credit score impairing my ability to obtain certain necessities in life. I asked them to provide to me written consent from me for them to furnish a consumer report on my behalf in which they haven't. In accordance to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ), Experian never had the proper consent to furnish my report which was made before I established any credit relationship. I am aware of 15 U.S. Code 1666b - Timing of payments ( a ), and that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless they've followed the proper procedures by sending me a periodic statement every month no later than 21 days before my payment due date. Never did the creditor send me the proper documentation that was required monthly but yet they've still reported my account late. As a consumer I have a right to privacy which was violated. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, a creditor must explain to me how I can exercise my right to opt out of my personal information being shared in which they never did.

Below is the violations committed by both the creditor and Experian : 15 US Code 1666b - Timing of payments 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b )
Consumer complaint received 2023-10-12
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. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. 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 XXXX Balance : {$41000.00}
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX Account # XXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (FL)

I was adding another checking account to my online credit card service in order to pay my bill. It is my husband 's which I am not on, however, they have a questionable verification process. Instead of other identifying information, email etc, they require you to enter the amount holders log in ID and password ( which I refused ) for their specific checking account that is NOT written on the same bank as the credit card. As a retail merchant, this is questionable behavior on the part of my credit card company. Well all have requirements in regards to credit card information theft, but this was asking for a personal checking account online log in information. I find it a very odd verification practice.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

XXXX XXXX XXXX XXXX continue to report a derogatory collection account to my consumer credit file. At this point I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that this is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
Consumer complaint received 2016-06-04
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XXXX XXXX I received an email thanking me for a recent transfer I had made through moneygram, since I had not made a transfer through their service for at least a year and a half I called them to inquire about the email. They told me they could not tell me about any recent transactions, and that they had closed my online account for security reasons I asked them why they closed the account they said they could not tell me. I checked my bank and my credit cards and there had been no withdrawls for moneygram so I assumed it was a mistake. Then, today I I received XXXX collection letters XXXX for online transfers that I was alleged to have made via my moneygram account on XXXX XXXX 2016. I called moneygram they said that they could not tell me who initiated the transfers, but they were made on my account so I needed to pay for them. I explained that I had not logged into the account for over a year and that no transactions have appeared on my bank or credit cards. They claim that I 'stopped payment ' but will not tell me who the money was sent to, or what account they attempted to charge ( there were no attempts to charge either my bank account or my credit cards ) I told them that I could not even log into my account to check and see the details of these transfers I had allegedly made and they said that was too bad but it was there policy not to give out information. They are apparently affiliated with telecheck who sold the collection account to XXXX. Moneygram just keeps telling me to complain to them or call my bank. My bank has nothing to do with this and both XXXX and XXXX want my bank account number, social security number and driver 's license number before they will talk to me, none of that information is relevant to this. Can you help me?
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (OR)

My name is XXXX XXXX and I work with XXXX XXXX XXXX. XXXX XXXX and her daughter, XXXX XXXX, have hired our firm to work on their behalf to recover stolen funds at M & T bank. I am acting as power of attorney. XXXX and XXXX have signed all necessary documents to assign power of attorney to our firm but M & T will not honor the power of attorney documents and so far has refused to speak with our firm about the issue. 

Someone stole checks from XXXX, forged them, and then cashed them. XXXX mail was diverted by the thief and the fraudulent checks continued to be cashed. The total is in the XXXX dollars. M & T refuses to reimburse the funds under the Electronic Funds Transfer Act and has only offered XXXX a very small amount of reimbursement. So far M & T has refused to put their denial of reimbursement in writing. The fraud was reported to M & T on XXXX/XXXX/2016. 

M & T made no effort to contact XXXX, or compare the signatures on the checks with XXXX true signature. The signatures differ substantially. The checks were also outside of her normal spending habits but M & T still continued to do nothing to protect the funds or verify the legitimacy of the checks. XXXX has not given M & T any permission or authorization to honor these fraudulent checks. 

M & T has stated to the victims that they would speak with our firm regarding this issue but has so far refused to return calls or letters. 

XXXX is XXXX years of age and her nest egg to live on has been cleaned out. We urge M & T to reimburse the full amount of the fraud and go after the perpetrator for restitution. The perpetrator has been arrested and is awaiting court proceedings at this time.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

my identity was stolen. attempts to charge merchandise from my debit card was made several times. Money from my savings account was transfer into my checking account. 
someone applied for credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX