davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (FL)

Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with XXXX, specifically the XXXX XXXX XXXX. 

Around XX/XX/, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with XXXX, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had XXXX sent any communication regarding this forthcoming charge. 

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of XXXX resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with XXXX, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment. 

Despite my attempts to rectify this issue directly with XXXX, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report. 

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with XXXX and a copy of my credit report highlighting the disputed late payment. 

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

Sincerely,
Consumer complaint received 2022-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (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 account 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 account 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 is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
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: General Motors Financial Company, 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 accounts 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 accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM FINANCIAL  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00}XXXX GM FINANCIAL XXXX Date opened XXXX XXXX XXXX Balance : {$670.00} 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 2022-11-24
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. (TX)

My identity was used to open a fraudulent account with a credit union named XXXX XXXX XXXX XXXX in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them and requested they remove it from my credit report. EQUIFAX, XXXX credit agencies still show this misinformation on my file. This is my second complaint with this credit union to resolve this issue.. I need to resolve this issue immediately because its affecting my credit score.
Consumer complaint received 2022-11-24
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. (NC)

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
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. (DC)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that Experian and XXXX still indicate my dispute of information in my credit report. As of todays date, they have not responded to my dispute. According to the Fair Credit Reporting Act, Experian and XXXX must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXX XXXX XXXX XXXX  Balance : {$420000.00}
Consumer complaint received 2023-02-08
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. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5300.00}.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Hi, I am a victim of internet scam and I needed help and need you to tell Venmo to step in. 

XXXX ) I went to the XXXX marketplace to buy a washer and dryer on Saturday XX/XX/XXXX. 
XXXX ) Once I sent it to their Venmo {$260.00}, they said it was a mistake and asked us to send again. I disputed this with Venmo. 
Days after the money was sent, they shut down their account and never replied.
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I grew tired of doing the same thing over and over again with no definite outcome. I have been submitting countless CFPB complaints and multiple dispute letters requesting to you to remove the fraudulent accounts and information from my Credit File. My Credit Report contains a significant number of fraudulent information and this is what I have been trying to remove. Someone has stolen my identity and used it to open these accounts without my knowledge or permission. I also have been submitting Identity Theft Report with the FTC to help resolve my queries in accordance with the FCRA section 605b. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. However, you have done nothing and I believe you will still do nothing. In accordance with the FCRA Section 605b, I need you to remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}. I have also been requesting that you send me copies of proof of verification from your investigation and yet I have been receiving nothing! Now I doubt your claims that the disputed items have been investigated. Failure to send me copies of documents to support your claims should have resulted in the immediate deletion of the disputed accounts! Now I need you to remove these accounts completely from my Credit file.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

My track record on this account demonstrates a commitment to timely payments, ensuring no overdue amounts. I'm unclear about the reasons for the presence of late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, any errors should be addressed promptly.
Consumer complaint received 2023-02-08
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc. (CA)

Valon Mortgage services a loan on property I own located at XXXX XXXX XXXX XXXX Ca XXXX number XXXX. On XXXX XX/XX/2024 at XXXX PDT I made a phone payment on said property. The prompt voice said if this payment was made on a weekend or holiday it would be posted the next business day. I was given a confirmation number of XXXX. The amount was XXXX. On or about XX/XX/XXXX I began receiving notice from the various credit bureaus that I had missed a mortgage payment. Further investigation revealed that Valon Mortgage had reported the negative entry as a missed payment. As a result of this reporting my XXXX score dropped XXXX points. I contacted Valon to try and explain what had happened. I was told to send an e mail to XXXX and provide proof the check cleared on Monday. I did that and provided the actual bank record. I had to contact Valon for an update and was told that even though I had made the payment the check had not cleared until Monday and they would not reverse their decision regarding the credit reporting and would not reverse same. I had made the payment with the 30 day window and had no control as to when Valon cleared the check. I request the missed payment credit entry be removed.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened my account with Bank of america ever since then they have been wrongly denying me my rights to my own accounts I asked for debit cards and never received any cards making it even harder to access my own money I am a mom with kids and need to have access to my money to provide my children 's basic needs they treat me differently then other customers everytime they emotionally caused me severe harm as their customer everytime I need access to my own accounts they give me problems to access my own money repeatedly its causing me and my children harm financially they treat me very differently then their other customers intentionally and never send cards for me to be able to access my money
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Incorrect addresses added to my credit report. I have never lived at the following addresses : XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-10
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: OneMain Finance Corporation (TX)

Someone is trying to apply for a personal loan to One Main Financial using my personal information. My credit reporting system shows there was a hard inquiry for this financial institution. Its been tried 3 times on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and recently XX/XX/XXXX. I have no interest in applying for any type of personal loan.
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/XXXX- I was trying to sell my XXXX XXXX XXXX XXXX market place. Some guy scammed me by pretending to be XXXX. I was lied and deceived by making me send him two transactions of {$300.00} and {$230.00}. 

XX/XX/XXXX - I called my bank XXXX XXXX to report a dispute claim. I received a dispute claim number and was told that a letter was going to be sent home. 

XX/XX/XXXX- I received two provisional credit one of {$300.00} and {$230.00} XX/XX/XXXX - The bank took back the credit- {$230.00} - {$300.00}
Consumer complaint received 2024-03-01
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. (NC)

I am writing to dispute a {$1900.00} debt claimed by XXXX XXXX, as I have never engaged in any business with this company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for job.
Consumer complaint received 2024-03-01
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. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (GA)

I'm requesting a Reinvestigation of every XXXX listed below because I did not authorize that my credit be run like this. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights In Accordance With the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! Incorrect Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. XXXX XXXX XXXX section XXXX A. States that I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. XXXX XXXX XXXX ( A ) ( XXXX ) XXXX that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. XXXX XXXX XXXX ( A ) ( XXXX ) 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 this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

There is a XXXX XXXX XXXX card thats on my credit report and the amount of {$930.00} that I have been fighting for years to have removed. They have removed it off of my XXXX XXXX Report  but they keep telling me they cant take it off with the other ones. My question is if this account is not mine. Why am I catching all kind of trouble getting it removed? Please help me with this matter. Thanks.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I requested verification from XXXX for an account. They verified the account there is inaccurate information on my report. 

XXXX XXXX  Date of Last Reported Update has now been changed to XX/XX/2022 due to the XXXX XXXX # : XXXX is incorrect The Date XXXX XXXX XXXX XXXX  is incorrect Date of Last Payment is incorrect Date Closed is incorrect I would like this account to be taken off my credit file. I do not believe the verification was completed and wrong information is still being reported. 

If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.