davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (OH)

I was going over my credit report and noticed that my rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Consumer complaint received 2023-12-27
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 recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must get rid of the listed account from my file. 

XXXX  XXXX XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to XXXX XXXX and XXXX. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. The accounts in question are as follows : XXXX XXXX XXXX. I want to bring to your attention that the respective bank/creditor, upon being made aware of this issue, has agreed to remove these accounts from their records. The other credit bureaus, XXXX and Equifax, have promptly followed suit, acknowledging the error and removing the entries. I am deeply confused and annoyed as to why your bureau has not taken similar action despite being aware of the fraudulent nature of these accounts. As a victim of identity theft, I demand that you comply with the law and follow the standard procedures established by other credit bureaus. It is both frustrating and infuriating that my repeated requests seem to be ignored. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

I filed a FRAUD dispute of {$250.00} from XXXX XXXX. They denied my dispute with my Wells Fargo bank. Wells Fargo is denying my dispute and will not return the money to my account.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never applied for any of these items I called Experian and told them i sent in a dispute also along with a police report and they said they couldn't do nothing for me and these inquires stopping me from obtaining the things in life for me and my family.
Consumer complaint received 2024-03-30
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 am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there is a instance of a late payment reported on an account with which I have consistently maintained a flawless payment history. 

Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that the information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on payments for the account with identifier [ XXXX XXXX XXXX, Account Number : XXXX ]. 

I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " Paid on time ''. 

Also there have been inaccurate and inconsistencies being reported from XXXX XXXX XXXX, that reflect different results on my consumer report. Please investigate. 

Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously with the utmost attention to accuracy. 

attached is my identification to ensure my identity
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2023 I noticed two unauthorized charges on my credit card account. 

XX/XX/XXXX - XXXX XXXX XXXX - {$430.00} XX/XX/XXXX - XXXX XXXX XXXX - {$140.00} These purchase were not made by me and it is my belief that my credit card was temporarily stolen while in a foreign XXXX airport traveling for my wedding. I believe these charges are theft and fraudulent and are to the benefit of some unknown individual or merchant at my own personal expense. I can verify with certainty that these purchases were not made or authorized by myself or anyone I know. 

Upon realizing I had been the victim of these fraudulent charges, I immediately contacted Capital One to report the fraudulent activity and launch an investigation. To my disappointment, 10 minutes after calling them, they had sent an electronic letter stating they denied my claim without ever pursuing any investigative measures as they had promised. They simply stated that because purchases were made by me afterwards, that I would be liable for these fraudulent purchases. Capital One is refusing to protect against certain instances of fraud. Furthermore, they refuse to investigate the matter beyond an algorithmic, non-human analysis. 

CapitalOne should honor their advertised consumer protection promises and reimburse these unauthorized transactions. Furthermore, they should pursue an actual investigation as they promised they would in order to punish the merchant or individual who is taking place in illegal practices and theft. 

CapitalOne is not giving my report due diligence and is not willing to consider less likely scenarios that are nonetheless true and the result of unauthorized fraudulent activity.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX or XXXX XXXX  is breaking the laws. First of all the same loan is listed twice. Secondly they repossessed the car I gave it back voluntarily. They came to the XXXX  I was at asked me where it was. I told them. They then sold it and never notified me about it which they are supposed to by law. Then took the money and sued me for it. This is illegal in so many ways I was in XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (FL)

The original creditor affirm violated FCRA by misstating the balance due. The original creditor sold by debt to collection agency named XXXX. On my credit report it says balance due {$120.00}. But XXXX XXXX is requesting {$120.00}. I will be submitting attachments as proof. The point of action is to remove this collection debt from my credit report immediately. I have asked XXXX for validation letter but never received it over and over they wouldnt help. I submitted a validation letter.
Consumer complaint received 2024-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX XXXX  from my account with XXXX to account of XXXX XXXXXXXX XXXX XXXXXXXX opened with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXXXXXX was designated under the Executive Order 1384. Considering this, my payment must be blocked by intermediary bank according to XXXX sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Consumer complaint received 2023-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (NJ)

XXXX XXXX XXXX XXXX put on my credit report a hospital or doctor bill that I never received notification of or a right to dispute the claim that was paid by my insurance. I have notified them to remove from my credit report and to send me a copy or proof of bill to no avail. When I call the rep or agent claims they can't find the account without my date of birth or social which I will not give over the phone but I did give them my address and still they haven't sent me proof of claim or notice or rights to dispute.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent a dispute to EXPERIAN, XXXX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i EXPERIAN, XXXX & XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'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 bureaus must check these items ( A ). It is unacceptable to list these accounts as 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 XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-03-30
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 am trying to rent a home for myself and my XXXX children I have sent numerous dispute laters and made numerous calls to the credit bureaus to have them remove negatively affective account on my credit that has not be validated. The negative reporting is hindering me from providing a stable home for myself and my children. Also according to law 15 U.S.C. 1681 et seq., requires consumer reporting agencies ( CRAs ) and entities that furnish information to CRAs ( furnishers ) often, but not always, creditorsto follow various requirements when they compile and disseminate personal information about individuals. One of those requirements is that furnishers must reasonably investigate consumers disputes regarding the completeness or accuracy of the information furnished.
Consumer complaint received 2022-09-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian and XXXX on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against Experian and XXXX if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Monterey Financial Services LLC (CA)

my credit report says XX/XX/XXXX XXXX was opened I don't know when it was another date says the status updated was XXXX XX/XX/2019 I believe it was my ex-partner who opened this account without my knowledge I've tried contacting this place but is XXXX names on the collections I've asked them to remove it since i since it was join with XXXX XXXX  i know it was him that did it without me present i don't know when i have a collections agency on the report with name of MONTEREY COLLECTION SV and is for original creditor XXXX XXXX XXXX XXXX so i don't even know where to call I've been trying to dispute it for almost a XXXX and i can't i need this off my credit i have paid everything so i can improve my credit my debts this is not mine and is affecting me a lot i have no information on him and i don't know what to do i need help on escalating this to fraud i cant solve this issue this was not made on my part
Consumer complaint received 2023-04-22
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. (FL)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-01-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-22
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. (SC)

This is my several endeavors 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 accounts 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 Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX  XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (TX)

Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report/collections, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with original signatures, no photo copies. Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.