davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

I trust this message finds you well. I am writing to formally request the closure of my Venmo account, registered under the name XXXX XXXX and associated with the email address XXXX, effective immediately. 

My journey to close my Venmo account commenced on XX/XX/2024, triggered by an unsettling incident on XX/XX/2024. Despite my unwavering determination, I have faced obstacles in closing my account, primarily due to a chargeback or dispute issue that, to the best of my knowledge, neither my financial institution nor I initiated. 

In XXXX, my Venmo account was suspended due to a dispute involving an unknown card with the last four digits of XXXX. This dispute was related to the transactions of {$10.00} made on XX/XX/2024, and {$15.00} made on XX/XX/2024. After a thorough investigation, my bank confirmed to Venmo that I do not have a credit or debit card associated with the mentioned digits. Consequently, my Venmo account was reinstated on XX/XX/2024. As a responsible user, I promptly reimbursed the respective requestors for {$10.00} and {$15.00} on XX/XX/2024. 

In my pursuit of resolution, I have been diligent in taking the necessary steps to authenticate this assertion. This included direct communication with my bank, which confirmed that neither a dispute nor a claim originated from them or my account. I am sharing email correspondences and screenshots of phone calls and transactions documenting these efforts here, underscoring the earnest endeavors to validate the assertions mentioned earlier.

Considering the circumstances outlined above and the unsatisfactory experiences with Venmo, I respectfully restate my request for immediate action to close my Venmo account. Your prompt attention to this matter would be greatly appreciated. 

Should you require any further information or documentation, please do not hesitate to contact me at your earliest convenience. 

Thank you for your understanding and anticipated cooperation.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

on XX/XX/23 at XXXX I received an email from Bank of America saying my account was approved and my new debit card was on the way. I did not open any Bank of America accounts. I called the fraud department and they were able to identify that there was a checking account in their financial services department that was opened under my name, social security number, address, but a different phone number. They had to transfer me 2 times but eventually I was able to freeze and cancel the " account '' so there wouldn't be any activity in my name.
Consumer complaint received 2023-09-11
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. (IL)

In accordance with the fair credit Reporting act this company 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-11
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. (IL)

In accordance with the fair credit Reporting act this company 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Credit inquiries for accounts with these companies appeared on my credit report, and I do not recognize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (IL)

I am writing to file a formal complaint against Aargon Collection Agency, a third-party debt collector, regarding their handling of a debt validation request and their reporting of this debt on my credit report. 

On XX/XX/2023, I initiated a dispute with Aargon Collection Agency by requesting specific documentation to validate the debt they are attempting to collect. In my dispute letter, I specifically requested the following documents : 1. Copy of the Contract : I requested this document to understand the terms of the alleged debt.

2. Copy of the Purchase Agreement : I requested this document to verify Aargon Collection Agency 's ownership of the debt.

3. Last statement with a zero balance : I requested this statement to confirm the balance at the time the alleged debt was incurred. And, all statements leading up to the alleged debt amount : I requested these statements to understand how the charges were calculated, leading to the amount claimed by Aargon Collection Agency, which is {$720.00}. 

Despite my request for validation, I received a response from Aargon Collection Agency dated XX/XX/2023, where the only documentation provided was a statement of fees. This statement did not sufficiently validate the debt, and my concerns remained unaddressed. 

In an effort to obtain accurate and complete validation of the debt, I sent another dispute to Aargon Collection Agency on XX/XX/2023. However, the response I received, dated XX/XX/2023, was identical to their previous response, consisting solely of a statement of fees. This repeated failure to provide the necessary documentation for debt validation raises significant concerns about the accuracy and validity of the debt they are attempting to collect. 

Furthermore, Aargon Collection Agency has reported this debt on my credit report without adequately validating it, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). As a result, this inaccurate and unverified debt is adversely affecting my creditworthiness.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have two late credit card payments that I am unaware of I tried to dispute it and they won't take it off I disputed the collections on XX/XX/2023 and XX/XX/2023 for all four credit cards. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have a 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, under 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 any purpose.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA Confirms credits due me from XX/XX/XXXX NOT MADE TIMELY POSTED XX/XX/XXXX ( 9 ) NINE MONTHS LATER. and NOPE AGAIN USAA, TOTAL PAYMENTS & CREDITS for this period are as statement confirms ( see attatched ) total {$400.00} THAT IS MY PAYMENT OF {$200.00} & REFUND XXXX  {$190.00} 3.15 finance 3.35 finance FOR TOTAL {$400.00}. Previously USAA Ms XXXX confirmed credits for XXXX XXXX cell  phone refund {$190.00} BUT HAS NOW CHANGED. This response can be viewed CFPB on line. AGAIN THERE ARE NO USAA. PERMANET CREDITS FROM XX/XX/XXXX FRAUDS REPORTED XX/XX/XXXX THE ONLY CREDITS ARE FROM MERCHANTS AS WELL AS XX/XX/XXXX. NOPE THERE ARE NO USAA PERMANET CREDITS EVER. AND IF I REPORTED ALL THAT FRAUD AS USAA ALLEGES.??? Why are there NO TEMPORARY CREDITS???? WHY ARE THERE NO PERMANET CREDITS??? XX/XX/XXXX Fraud Letter Documents will be made permanet. No temps to make permanet. USAA STEALS MERCHANT CREDITS. USAA IS NOT ZERO LIABILITY AS ADVERTISED. USAA ISCNOT ADA ACCESSIBLE AS ADVERTISED. I AM STILL HELD LIABLE FOR FRAUD OF XX/XX/XXXX NOT RESOLVED TWO YEARS LATER AND USAA ATTEMPTS TO COLLECT ON WHAT IS NOT OWED. USAA DOES NOT ADHERE TO THE LAW.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports.

The inaccurate information on my credit report is as follows : 1. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

2. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

4. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

5. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines.

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report.

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of my credit report.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (TX)

I first obtained the XXXX credit card in XXXX. Never had any payment problems or disputed charges. In late XXXX XXXX XXXX sold it to Comenity Bank. 

First statement i got from Comenity showed charges i didn't make. I filed a dispute and was told their were mines. I made a written dispute requesting them to please investigate for fraud. I call to check the status and was told the charges were mines. 

I never made a single payment to comenity because they won't even do a proper investigation to my disputed charges. The charges are from XXXX XXXX. I did go for a wedding but i stayed with family. I called the hotel myself to see if i can get evidence but although my card was used, my name wasn't and therefore they weren't willing to help me but did tell me the credit card company can. 

Til this day whenever they contact me i tell them I'll pay my balance in full prior to XX/XX/XXXX. Because i never even activated their credit card issued by them. 

Now they sending it to collections and my 2years window is closing in. So I'd like to get this matter resolved. I ask for comenity please prove it was I who filed these charges because i know for a fact i didn't! I'm not going to pay for something i didn't do. Please remove those fraud/unauthorized charges and i will pay the balance pre XX/XX/XXXX and close the account in good standing and correct my credit. 

They're coming out like the frauds for not even doing a proper investigation when a consumer requests one.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the three credit bureaus didnt make sure that was reporting 100 correct, fair and accurate. They didnt even preform the investigation. They sent me a generic template letter saying we applaud your attempts but we are not going to do the investigation because we think it didnt originate from you even though I sent all the proper documentation they require. It is like they just threw away my disputes.

In accordance 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 15 U.S. Code 1681i (
5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the three credit bureaus didnt make sure that was reporting 100 correct, fair and accurate. They didnt even preform the investigation. They sent me a generic template letter saying we applaud your attempts but we are not going to do the investigation because we think it didnt originate from you even though I sent all the proper documentation they require. It is like they just threw away my disputes.

In accordance 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 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After pulling my credit report on XX/XX/XXXX I noticed a fraudulent account for Kohls that was issued by Capital One, N.A. After contacting Kohls I was told the account had been sold to a debt collection agency, XXXX. On XX/XX/XXXXXXXX XXXXXXXX contacted my via mail for payment of this alleged debt in the amount of {$610.00}. Attached is a copy of my Federal Trade Commission Affidavit report listing the account was opened fraudulently. Ive also contacted my local police department to submit a report.
Consumer complaint received 2023-09-11
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)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Experian and XXXX XXXX : acc : XXXX XXXX XXXX XXXX # : XXXX XXXX : XXXX XXXX XXXX XXXX acc # : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I dont believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : acc : XXXX XXXX XXXX acc # : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX acc # : XXXX After doing so please provide me with an updated credit report reflecting the changes. 


Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello i contacted the credit bureau via mail on XX/XX/2023 to remove inquiries off of my credit report and did not receive a response. I opened up an online account and they would not allow me to file the dispute online. I also called them and told them the inquiries on my credit and they did and would not removed them.
Consumer complaint received 2023-09-11
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. (NY)

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.