davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I mailed Experian a dispute letter regarding inaccurate accounts listed on my credit report and Experian did not respond. This is my 2nd attempt.

I received a copy of my credit report and the items listed below show status as debt included in or discharged through bankruptcy XXXX XXXX XXXX or XXXX. How is that possible and there is no public record such as a bankruptcy listed on my credit file. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted because they are reporting inaccurate information.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX CARD Account Number : XXXX DELETE this account in the Credit Report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXXXXXX Account Number : XXXX DELETE this account in the Credit Report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX DELETE this account in the Credit Report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX DELETE this account in the Credit Report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXXXXXX Account Number : XXXX DELETE this account in the Credit Report.
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I began using Venmo only 2 weeks ago and feel this company is a total scam used to collect people's information and then deactivate their account for no justifiable reason whatsoever.  On XX/XX/XXXXXXXX XXXX. With customer relations informed me my account was frozen and i needed to send in copies of my ID, photos of my actual debit and credit cards registered in my account, as well as bank statements for those accounts.  I sent them all my information as agreed which I thought was rather suspicious needing all that to simply verify my identity and ownership of my accounts and then after I sent all of those things, without any justification deactivated my account.  I suddenly start seeing fraudulent charges on those accounts I sent to them.  Is it by belief this company simply collects people account information and once received close their accounts only to sell that information to who knows where cause I never had fraudulent charges on my accounts until I sent this company all my financial data they asked for..
Consumer complaint received 2023-01-23
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: ACIMA CREDIT, LLC (GA)

On XX/XX/2023 I sent a request for validation of debt to Acima via certified mail ( Tracking no. : XXXX ) with green return receipt which was delivered on XX/XX/2023 and marked as " left with Individual ''. Enclosed in the envelope with the letter was the account number for the account in question, a utility bill for my current mailing address, my Driver 's License for ID purposes, a copy of my social security card, which was also for identification purposes, and a copy of my credit report that shows that they are in fact reporting to my consumer report. 

The letter that Acima has sent back to me is an inadequate response to a request for validation of the debt as they insist that I either do not have an account with them or that they do not have to investigate my request at all because I've asked them in investigate before and they satisfied their duty within the law. This is false. They have not once verified the debt with me or been cooperative in any capacity. They have sent the same letter both times I requested verification and both times they have insisted I do not have an account with them or that the information I have given them is inadequate, even thought I have given them every possible thing piece of identifying information I can give, along with the account number that is listed on the credit report. 

At this point they are practicing willful and negligent noncompliance pursuant to 15 usc 1681n, 15 USC 1681o, as well as being in direct violation of federal law 15 USC 1681a ( 1 ) ( A ) by refusing to investigate or reinvestigate the request for debt validation. 

The dispute does not relate to my identifying information as they have suggested. If they are unable to validate the debt and refusing to follow the law by falsly claiming protections under laws that do not allow to them in this situation then I have no choice but to file a police report for identity theft as I do not assume the debt as my own. I am will not continue sending letters or CFPB complaints for them to ignore, as I have done that for that for the third time now and they are ouright refusing follow federal guidelines that were set in place to protect me, the consumer.
Consumer complaint received 2020-03-02
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. (FL)

The following companies made hard credit inquiry 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
Consumer complaint received 2019-02-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

The bank extended a $ XXXX line of credit to help me grow my business. When the loan came to maturity they debited the amount due to my checking account even though I mailed them a check in the like amount drawn on the same account. 
When this error was brought to the banks attention they remedied their error by issuing a bank official check for {$77000.00} However that check was never encashed and the business was closed by my family when I was hospitalized due to a near death trauma. 
Some years ago the check was presented to the successor bank but they refused to replace or honor it. 
I sought advice from XXXX XXXX XXXX who had taken this same bank to task for malpractice. 
I approached XXXX XXXX, the CEO of the bank as he instituted vast beneficial changes in the banks operations to amend their practices. However his office directed me to the Florida State department that handles uncashed cashier checks. This mechanism allows banks to take client unclaimed funds off their balance sheet and handover same to the state due to death or not knowing the whereabouts of the beneficiary. 
The State explained to me that mechanism was not applicable to my funds as the bank at all times to date had my address and continue to hold my same account with the same number today. 
I come to CFPB on recommendation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had a regional director, XXXX XXXX of the bank from their Florida regional office in XXXX contact me. She confirmed the funds were with the bank and that the check was issued through a vendor that issues their official chcheck. That the official check was stopped for lack of encashment and the funds making up the check weare with the bank. They now use a different vendor. 
XXXX XXXX requested further information, statements etc which I may have in boxes and furniture packed by my family.XXXX XXXX XXXX recommended that I request CFPB to investigate the matter so the bank will replace their uncashed/stopped Official Check. 
Thank you
Consumer complaint received 2023-01-23
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. (DC)

Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following 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  If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (MD)

On XX/XX/2022 I wrote a check to renew a subscription for XXXX XXXX in the amount of {$42.00}. I did not find out until XX/XX/2022 that the check was " washed '' for {$9400.00} when I received my statement. The bank informed me that my account was over drawn. I went to the bank and talked to, XXXX XXXX and XXXX. 

They closed my old account and set up new account and told me it would take 120 days to investigate. They have not put anything in writing. They did close my checking account and open up a new account and gave me starter checks but I had to buy new checks because my bank account was over drawn and closed. They did not help in any way, shape, manner or form in resetting auto pays for my healthcare. 

Meanwhile I have had checks bounce because of the bank 's error and not keeping me informed of my account of what is being deposited into new or old account. My social security has not yet been transferred to new account for auto deposit. 

My XXXX XXXX is spiraling and I have never had a bad XXXX XXXX. 

The bank has said they are investigating but they have not given me any updates other than the case is still under investigation. The bank has not given me a written statement that it will take 120 days before I can get XXXX money back that was stolen or fraudulently taken by this check washing. The check of {$9400.00} was rewritten to : XXXX XXXX and cashed at a XXXX  XXXX XXXX. They showed me the check that was changed from {$42.00}. When I ask them when will I get my money back they tell me they do not know and I will know before they do? Meanwhile I have deposited {$7000.00} plus more money into my new checking account and replaced a few checks that were returned to the bank because the account was over drawn. 

I need to know when this money will be refunded. PNC Bank should not be holding my money XXXX due to their incompetence.
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-01
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
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: LendingPoint Holdings LLC (MO)

According to the recent laws medical debt is not to be reported until its at least 365 days past due. 
The definition of medical debt is : Debt that arose from the receipt of medical services, products or devices Because of the receipt of medical services, devise and products described above I was forced to take a medical debt loan through XXXX XXXX which was sent to LendingPoint LendingPoint is aware that the loan was for the receipt of medical services ( Medical Debt ) and is not 365 past due. 
They allowed a customer care agent to represent the company and close my XXXX  complaint and my dispute as being accurate when its actually not accurate at all. Because the medical debt is not past due it is not legally allowed to be reported on my credit report. I have a legal right to accurate credit report and the decision to put it on my credit report should not have been made by a customer care agent who is not familiar with the current medical debt laws
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I called to speak to Equifax due to me not able to get an update copy of my Credit Report and Credit Score. I was told to login on Equifax website to retreived the information. Upon log-in I informed the customer rep that the Social Security number on the file was not mine, A dispute was supposedly put in back no information was corrected at all. I got back pdf dispute saying it was verified and accurate which is false. I uploaded a copy of my W2 and 1099 Tax form showing my correct Social Security card to Equifax Dispute Center Confirmation number : XXXX. I will also attached with this complaint. This has been an ongoing nightmare with Equifax and I'm over it. The Customer Service rep are very rude and continues to violate my rights. According to [ 5 U.S.C. 522a note ] ( a ) ( 1 ) It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his/her social security accound number. P.L. 93-579 Privacy Act of 1974.
Consumer complaint received 2023-01-23
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: ID Analytics, Inc. (TX)

Propagating false information that connects with my name. Improper usage and Improper authorization of my name that is tied to the accounts that needs removal of any false information tied to my name. And any incorrect address that's not my current address needs to be removed or any depth or accounts that tied to that incorrect address needs removal.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC (TX)

I have been disputing this account with XXXX XXXX from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!
Consumer complaint received 2019-12-14
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. (FL)

Oh XX/XX/2019, I notice incorrect information oh my Equifax credit report I immediately called Equifax at XXXX numerous of times but to no avail Equifax stated this account belongs to me and would remain on credit I repeatedly stated I know nothing of this collection, I ended the phone call and immediately call XXXX County Sheriff Department, A police report was file " Fraud '' case # XXXX Investigation is underway for Fraud 3degree felony Duty XXXX XXXX # XXXX. This fraudulent remark on my credit Report cause me 79 points,. I have called Equifax over 30 times within the last 2 weeks but to no avail.on XX/XX/2019 the fraudulent account was removed from my Equifax report but remarks caused by the damage of the fraudulent account, loss of 78 points were not and still have not been replaced. XXXX investigator XXXX XXXX Ph # XXXX after her investigation draw conclusions that I had nothing to do with this nor am I in their system 2 ever had applied for a loan accepted for a loan no delinquent on a loan, XXXX XXXX XXXX Ph # XXXX supervisor XXXX XXXX stated that he pushes the account some XXXX   XXXX stated untrue.. somehow Equifax damaging my credit through a fraudulent account r refusing to make it right and put it in the same status it once was before this fraudulent account
Consumer complaint received 2019-12-20
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. (NC)

I have been disputing this account for almost 8 months now and all I want is to have this account removed from my credit report. XXXX  XXXX  XXXX  Account Number: XXXX****: I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I made a double payment by mistake on XX/XX/XXXX and called Bank of America customer service to report this and to refund my overpayment to my checking account. After more than a week, I called again to report it had not been done. I drove to my local branch and they made a call and said it would be a few more days. It has been over 2 weeks now and I am still trying to get the money refunded to my account. Everyone keeps telling me it is being reviewed, but I am not getting any action.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Yes this is a fraudulent account I have never open an account with XXXX I have tried to fix this with and they keep saying is verified they said because of a Address that I reported as far as well i have filed police report. I just want this taking care of it is causing XXXX XXXX and Im talking with lawyers now I have tried too many times to prove this is a fraudulent account and they are not doing their job