davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MO)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2022-12-19
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. (NJ)

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CO)

My wife has received numerous harassing phone calls from XXXX XXXX from  XXXX, TN asking for me, stating they were attempting to collect a debt on a XXXX account that was past due. When this first occurred, I contacted XXXX, who confirmed that I was not in collection and my account was in good standing. <P/>XXXX was the phone number that they called from, and when searching for that number, it comes up as a locksmith company. The persons on the phone have been threatening my wife with collection and negative credit strikes against my credit if we do n't pay. When told that we do n't have a balance with XXXX, they would not listen and again tried to scare us into paying the 'debt. ' They have called twelve ( 12 ) times in the last six weeks
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I bought XXXX {$500.00} using my XXXX on XX/XX/XXXX pay a friend. I wanted to transfer it to a wallet but i was told i needed to verify my account.I did upload my ID and picture for verification several times more 10times and was told i could not not be verified. 
I was given a link and and a case number XXXX to upload my my ID and picture, which i did. On several occasion i did chat support they they will say the received my case and it has be escalated and they will get back to me in XXXX hours, its now XXXX since i first uploaded my id. i have not heard from them. I have called customer care about 4times. The last person i spoke to was XXXX on XXXX.He said he would escalate the the issue, I then told him this is the same response i get from the previous staff i spoke with.I also told them that i need a refund of my money that the money was intended to pay for my rent.so i just need my refund pending when ever they complete the verification that usually last 3days they could not help me. My money is still tied down with what app and i have not still been verified.This is not fair.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (NY)

When I was trying to get a SUV car, they did a lot of hard inquiries on my report 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 XXXXXXXX XXXX
Consumer complaint received 2019-06-25
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. (TN)

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them. Remove from my credit report XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX )
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX To Whom it May Concern This letter is my 3rd complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX
Consumer complaint received 2022-09-27
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. Please update or correct this immediately. 
XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} US DEPT ED XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} US DEPT ED XXXX : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} US DEPT ED XXXX : {$4700.00} XXXX XXXX XXXX XXXX : {$7100.00} US DEPT ED XXXX : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXXXXXX*Balance : {$0.00}
Consumer complaint received 2020-02-08
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: NAVY FEDERAL CREDIT UNION (PA)

I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally 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 nor any 3rd party in connection with collection of any debt I never received notice from XXXX, XXXX, XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.
Consumer complaint received 2023-10-16
Product: Credit reporting 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. (DC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Sir, It is a complaint general in nature not specifically against XXXX credit reporting company. For the last 5 years or so I have been paying my bills on time, have no debt, no mortgage, am home owner ( mobile home, fully paid ) own my car. But still my credit score is a big factor in being declined for even insurance. I do have XXXX credit cards. Is there any hope for me to get a good credit score during my life time despite my good financial behavior. I am XXXX years old. I would be nice to hear something favorable from you. May XXXX bless you.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NV)

When my lease ended on XX/XX/20, XXXX at XXXX XXXX XXXX submitted {$1400.00} straight to collections ( National Credit System ). I did not receive any notice to dispute or pay directly to them via email, mail, or phone call since I had to move immediately. I would have paid XXXX at XXXX XXXX XXXX  directly since they charged me for not making the rent until they found a replacement renter which I also knew nothing about. I ended up paying the {$1400.00} since I could not reach XXXX at XXXX XXXX XXXX and out of fear since this was the first time I've ever had anything submitted to collections ( without communication to me ) until it was too late and past due.
Consumer complaint received 2022-05-26
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I sent {$47.00} on to XXXX XXXX https : XXXX who promised to provide me with access to my ( hacked and locked ) XXXX account. This payment was sent via Cash App. It was a scam.
Consumer complaint received 2023-04-18
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. (IL)

I am a victim of identity theft and have enclosed a copy of my identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized MXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2017-07-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (TX)

The account in question was sold to a debt collection agency and I was not informed of my right to dispute. Furthermore, when I did dispute this account based off of not having a contract with the debt collection agency, the credit bureau removed the account and the debt collection agency then reinserted it without any written notice whatsoever and did not send any information showing that they did their due diligence to investigate or ensure the information obtained was complete and accurate. I called and left a voicemail to let them know that I would be taking action should be the account not be removed from my credit report immediately.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXX XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I paid my mortgage on time through the XXXX bill pay service, and have a history of paying it on XXXX or XXXX of the month for 6 months with Carrington, without any issues. However, in XXXX, I scheduled my payment for the XXXX and Carrington attached a late fee saying the payment was received after the XXXX. I checked with XXXX and verified the payment was delivered on time, with my financial institution. However, Carrington did not process the payment until XXXX XXXX. On XXXX XXXX, I faxed a copy of the check reflecting delivery date and payment on time, along with a letter to Carrington, asking them to waive the late fee since payment was received on time. They held the money and processed the check, which is no fault of mine. In XXXX, I received XXXX nasty notes, collection and a late fee notice of XXXX from Carrington. I called and spoke with their rude representative, XXXX ( # XXXX ) and asked for resolution. I asked to speak with her supervisor and she told me I could not. She only gave me his # XXXX, but would not give me a name. She said she could not provide resolution and she now needed copies of my bank statement, which I refused to send her and let her know. This has to be a violation of some financial rule or regulation to safeguard consumers. Why would they need my banking statement with my PII information. I informed them that I filed a complaint with CFPB and today followed up with their consumer advocate department ( XXXX ). I am seeking resolution and the late fee and any implications waived.
Consumer complaint received 2017-12-29
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)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  XXXX Opened XXXX XXXX, XXXX + {$1800.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Opened XXXX XXXX, XXXX + {$350.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Opened XXXX XXXX, XXXX + {$350.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX Opened XXXX XXXX, XXXX + {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I REQUESTED a factual dispute with experian there response was the creditor said the information was accurate when in fact it isn't charged off account s cant not have a past due amount and reporting charge off every month in the payment history manipulation of the statute of limitations