davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
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. (SC)

XX/XX/2019 RE : VIOLATION OF 609 FAIR DEBT REPORTING ACT To Whom It May Concern : I am filing a formal complaint against Experian credit services for continuing to report inaccurate information found on my credit report that I want PERMENTLY DELETED per violations according to section 609 of the Fair Debt Reporting Act. [ Section 609 ( a ) ( 1 ) of the Federal Credit Reporting Act ( FCRA ) states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. ] I have challenged their reporting and compliance on several of my accounts with XXXX  XXXX XXXX, XXXX XXXX, XXXX/XXXX, and XXXX/XXXX XXXX that are continually being reported on my credit report with INACCURATE/MISSING information ( INCORRECT ACCOUNT NUMBERS ). Also, I have requested and sent proof of my legal name and current and only mailing address, yet they continue to report various variations of my name and mailing address on my credit report, which ARE NOT ACCURATE!. 

I have sent multiple letters to them. The first ( 1st ) through regular mail on XX/XX/2019. The second letter on XX/XX/2019 via certified mail signed for on XX/XX/2019, and third ( 3rd ) letter sent XX/XX/2019 via certified mail which was signed for on XX/XX/2019. I received a response back on XX/XX/2019 telling me that they would not dispute accounts again unless I have additional relevant information. 

As you can see, the files I have attached clearly show that they are continuing to report variations of my LEGAL NAME, which I DO NOT USE ON ANY OF MY ACCOUNTS. Furthermore, they are reporting INACCURATE MAILING ADDRESSES, which I currently do not live at or receive mail at those addresses per POSTAL REGULATIONS. In addition, you can clearly see that the account numbers being reported and sent to me on my latest report DO NOT HAVE THE CORRECT INFORMATION ( ACCOUNT NUMBERS ), so by law, THEY MUST DELETE THE ACCOUNTS WITH INACCURATE INFORMATION per Section 609 9a ) 1 of the FCRA upon my request.

Their IMPROPER PROCEDURES have been highly damaging to my credit score and credit history. I want the erroneous information IMMEDIATELY DELETED from my credit history.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MIDFIRST BANK (OK)

I was scammed. I need hay and was told to put a deposit down, {$600.00} to hold. Used XXXX. Then after I submitted I read on the XXXXXXXX XXXX XXXX where several people are searching for hay to buy have claimed of this scam. They had screen shots of their conversations and me too. They are the same actions. Also, after I sent the money the name of the person it went to showed to be different than who it was supposed to go to. I need help to recover my money.
Consumer complaint received 2021-07-22
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 (OH)

COMPANY - VENMO LOCKED MY ACCOUNT ON XX/XX/2021 AFTER I SUBMITTED A TRANSFER OF {$1000.00} TO MY BANK ACCOUNT. 

THEY HAVE BEEN GIVING ME THE RUN AROUND FOR WEEKS. AND NOW THEY ARE NO LONGER RESPONDING TO MY EMAILS. I HAVE BILLS TO PAY AND THAT IS A LOT OF MONEY FOR THEM TO JUST STEAL FROM ME WITHOUT ANY CONTACT. 


CASE ID # XXXX
Consumer complaint received 2024-03-01
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX -Date of inquiry : XX/XX/2022
Consumer complaint received 2021-07-22
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: EQUIFAX, INC. (GA)

I sent XXXX  and Equifax letters and a copy of my police report stating that my social security number was compromised and I am a victim of identity theft. My identity was stolen by XXXX XXXX XXXX who is currently behind bars. I sent the letters over a month ago certified mail. The tracking number for my Equifax letter is XXXX. It shows Equifax received my letter and police report XX/XX/XXXX. The tracking number for my XXXX  letter is XXXX. It shows XXXX  received my letter and police report XX/XX/XXXX. The tracking numbers are through USPS. Its been over 30 days and Equifax and XXXX  has yet to block these accounts from my report which is stated in the FCRA 605B that a consumer reporting agency shall block reporting of any information in the file of the consumer that the consumer identifies as identity theft. Equifax and XXXX  has yet to do this which is a violation of my consumer rights. The man who stole my identity tried to apply for a lot of credit in my name which resulted in me having over 50 inquiries on my XXXX  report and over 90 inquiries on my Equifax report.
Consumer complaint received 2018-05-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NC)

I received an unsigned letter from Ability with a course syllabus instead of an invoice and a written judgement .They are reporting never paid on my credit report since XX/XX/2017 until the present.We dont have an payment agreement.They are also reporting it as a collection debt.
Consumer complaint received 2024-03-01
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-26
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. (NV)

I HAVE DISPUTED WITH XXXX/EQUIFAX and XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX DO NOT RECOGNIZE THESE INQUIRES AND 3 CREDIT BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2019-09-26
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)

I received a notification about some charges that are not mine on my credit report and tried to dispute them with, XXXX, Equifax, and XXXX, well all of them were able to fix the problem and the only that didn't was Equifax, I tried reaching to them more than 4 times requesting their attention and they havent resolve the issue even when I sent them police report number and federal trade commission letter. At this point I don't know what else should I do, I don't want to spend time and money on Attorneys but I want my problem to be fix
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (FL)

XXXX XXXXXXXX XXXX has reported delays in the XXXX credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NY)

XXXX XXXX from 2015 sold to secondary agency without my knowledge or approval to Jefferson Capital systems. This violates 15 USC 1681A, 15USC 6802, 15USC 1681B and 15 USC1681N.This states its a violation and I can sue.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 15 U.S.C 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 2018-02-25
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)

This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Experian. Experian refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXXXX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX  XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX,  XXXX  XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. 

Therefore, the XXXX XXXX, ( four times ), XXXX   XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by Experian. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from Experian.
Consumer complaint received 2022-10-15
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. (TX)

on XX/XX/2022 I have received an alert on Credit Monitoring application that stated the Consumer Adjustment just flagged my credit report with 3 unknown debts of {$230.00}, {$340.00} and {$650.00} to all 3 credit repotting agencies.This is out of network charges that I never received notice.This is a violation of my rights under the No Surprise Act of 2022
Consumer complaint received 2022-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Cash Management Corp. (ME)

When I called, they have nothing for XXXX for {$100.00}. 
My accounts are all up to date and they show I have nothing in collections. 
What is this about? 
It should be removed from my report Thank You XXXX
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (OH)

Your company has contacted me over XXXX times via email about an alleged debt from XXXX XXXX, XXXX in the amount of XXXX. That is XXXX violations, which each violation is {$1000.00}. These emails have resulted in mental stress, which is causing significant inconvenience. Every email came at such an inconvenient time and caused me great anxiety. I have sent a pre-arbitration letter on XX/XX/2023 with no response. I have tried to settle this matter amicably. I will have no choice but to move forward if there is no response to my letter.
Consumer complaint received 2018-02-25
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. (MD)

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

Paragon reached out about a medical bill that it said that I owed {$3400.00}. In their form, they asked me to respond on whether I believed this was my debt and if I wanted proof of the bill. I requested that it was my bill as well as the original documentation. They validated my personal information but provided no original bills nor any of my wet signatures. They only provided the account numbers and two creditors ' name. It appears there are two bills that it wants me to believe it's one bill. It is all very unclear. I would like for the creditor to provide the original bill ( s ) as I requested along with my wet signature on any documents that Paragon has in its possession to assure that I owe the debt.
Consumer complaint received 2022-12-01
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. (CO)

I sent equifax a letter to correct their error on an account. they have stated the " verified '' the item with the furnisher, however it's not the furnisher that is reporting this inaccurately. It is EQUIFAX! the payment status is reporting inaccurately and this account is closed and paid in full. The payment status needs to report the current status " PAID AS AGREED '' Ive included a copy of the credit report highlighting their error
Consumer complaint received 2021-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've already filed a complaint [ XXXX-XXXX  ] that the company basically shrugged off. They have me signed up for their automated payment plan. It's a no touch plan that they alone are in total control of. Despite this fact, they continue to mismanage the payment process and blame me for their own incompetence. After essentially denying my complaint, I finally got someone at the company to realize that I was, in fact, right and the company issued a credit bureau retraction letter ; however, they're back to mismanaging my account and I don't have control over it, per se, because they are handling it on a totally automated basis. I need CFPB 's intervention at this point because the company is clearly incompetent -- both in the handling of my account and in the investigation of my complaint -- and its doing damage to my credit and my piece of mind. Thank you.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-02-25
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: Transfinancial Companies, Inc (LA)

On XX/XX/XXXX, Transfinancial Company reported an unpaid medical debt for {$160.00} to the credit bureaus. The company alleges that the medical debt was " opened XX/XX/XXXX ''. Neither Transfinancial Company or the original creditor have ever mailed me any bills or correspondence relating to the purported debt. I was denied the opportunity to verify that the debt was mine or to pay it to the original creditor by virtue of the fact that it was placed on my credit report without notice or opportunity to be apprised of the debt. I do not know the date or purported service or if the debt actually belongs to me.
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have been receiving unwanted credit card applications at my work address from Capitol One since XX/XX/XXXX. I have contacted Capitol One on at least 12 occasions in the past 2 years to get this to stop. In XX/XX/XXXX, I signed up for the PERMANENT OPT OUT list with all credit reporting agencies and still I am receiving these offers. 

In the past 2 years, I contacted Capitol One on the following dates each after I received a unwanted credit card application. On each of these occasions I have been assured my name would be removed from the mailing list. 
I called in XX/XX/XXXX ; I called in XX/XX/XXXX ; In XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX ; XX/XX/XXXX I spoke with XXXX, a supervisor ; XX/XX/XXXX I spoke with XXXX, a supervisor who said I would be removed from their list permanently ; XX/XX/XXXX I spoke with XXXX who provided a case number XXXX ; I called on XX/XX/XXXX ; in XX/XX/XXXX I spoke the XXXX, a manager to get this ti stop and with her supervisor XXXX ; on XX/XX/XXXX I received a letter from XXXX XXXX with Case number XXXX stating I would be removed from the list for 3 years. She suggested the op out registration. 
I received another solicitation in XXXX and called on XX/XX/XXXX and spoke with XXXX ; I registered for the Permanent opt out in XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX ; After receiving another solicitation in the mail on XX/XX/XXXX I decided to file this complaint. I left a voice message for XXXX XXXX informing her I would be filing this complaint.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (SC)

In a accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX  XXXX XXXX Department of education # XXXX XXXX XXXX XXXX  # XXXX Us department of Ed/XXXXl # XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX