davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear XXXX ; ( XXXX XXXX XXXX {$380.00} - - - XXXX XXXX XXXX {$520.00} - - - ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (TN)

AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to express my deep dissatisfaction and frustration regarding the several unsuccessful attempts to remove a charge-off from my credit report. Despite persistent efforts, the charge-off remains, adversely affecting my credit standing and financial opportunities. 

I discovered a charge-off entry on my credit report, and since then, I have diligently followed the necessary procedures for disputing and seeking the removal of this negative information. Despite my multiple attempts, the charge-off persists, causing undue hardship and impeding my financial opportunities. 

I wish to bring the following issues to your attention : Inadequate Resolution Attempts : Despite multiple requests and disputes, it appears that the attempts to rectify and remove the charge-off entry from my credit report have been unsuccessful. The lack of progress is disheartening, and I am left with a negative mark on my credit history. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the dispute and the actions being taken would have provided reassurance during this challenging period. 

Continued Adverse Impact : The presence of the charge-off on my credit report has adversely affected my creditworthiness, making it difficult for me to secure favorable terms for financial products and services. This has resulted in financial strain and limited opportunities for improvement. 

I understand that addressing charge-off entries on credit reports is a complex matter, but as a concerned consumer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the charge-off entry from my credit report. Additionally, I seek clear assurances and a detailed plan outlining how your credit bureau intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX  Balance : {$44.00}.
Consumer complaint received 2020-12-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CA)

I was told on XX/XX/XXXX several times by multiple Representatives that I was going to retrieve my money and when I had called back the following week to see why my money had not posted I was told that they were not going to be able to refund my money and that they had that they had the XXXX is coming on me that they had refused my dispute from my account to another debit card that I did not have no access to or even knowledge of they also refuse to address the issue and stop the process from going after I reported it the same day as it transaction took place
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MO)

In my experience, the rewards on cards do not begin until I receive the card and activate it. I received my new XXXX XXXX XXXX card in the mail the other day XX/XX/XXXX, and I haven't even activated yet, and they are saying my miles bonus rewards program begins on XX/XX/XXXX through XX/XX/XXXX. 

In this case, I've already lost out on a week-and-a-half of miles accrual ( since I didn't have a card in my possession that I could actually use ). I need them to start it the day I activate the card.
Consumer complaint received 2021-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

XX/XX/2021 I noticed lots of errors listed on my Equifax credit report, so I called them about incorrect addresses listed along with credit inquiries I have no knowledge of. I spoke with someone at the company by the name of XXXX XXXX in the fraud department, she actually removed the inquiries from my credit report and gave me a confirmation number of XXXX. Equifax has yet to update the credit report nor mail me an updated copy after I have requested it several times. I honestly believe at this point they are just lying to there consumers to get them off there phone and continue to make money off them.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2017, I intended to make an on-line payment to XXXX XXXX for {$500.00}. After not seeing any credit to my account, I reached out to my bank, Wells Fargo, and asked about the payment. It was determined that the information that auto populated the on-line payment was incorrect. For the next 60 plus days, I called and wrote to XXXX and to Wells Fargo in an attempt to find my money. 

It is XX/XX/XXXX and I have been on the phone ( again ) with Wells Fargo and XXXX for more than an hour and with many many transfers to other people, and still no resolution. 

No one is responsible, they say. Is that true?
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NJ)

I filed a complaint against Paypal Credit on Saturday XX/XX/XXXX about unauthorised hard inquiries into my account which lowered my credit score from XXXX to XXXX. Hardly had that been resolved than they did another inquiry into my account today on Monday XX/XX/XXXXand it further lowered my credit to XXXX. I need urgent redress as well as per my last prayer. 

The inquiry will be attached. 

Thank you.
Consumer complaint received 2022-04-30
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$23.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc. (KY)

On XX/XX/XXXX, cash app stated I made a purchase of XXXX} that over-drafted my account. I didnt make a purchase of XXXX and if I did, I had funds in my account at the time. I never overdraw my account, yet was charged twice for {XXXX} and {XXXX.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (GA)

I received a letter from the IRS stating I owe XXXX. I call the IRS to get more information about these claims that wasnt me. Then I called Square to get more information they said it wasnt them and sent me a email stating it was Cash App. I called Cash App and now Im getting the runaround I need help
Consumer complaint received 2021-10-16
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: Experian Information Solutions Inc. (WV)

XX/XX/XXXX, I lost 7points on my credit report, due to Experian recommending discover transfer credit card without informing me it was a hard inquiry. I've tried several phone numbers for Experian to no avail. I've tried my online account to file dispute and am not allowed. I'm very upset.
Consumer complaint received 2018-02-12
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: Experian Information Solutions Inc. (CA)

I tried disputing this two years ago, this is also a duplicate of of another address with additional numbers on the address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (LA)

In XX/XX/2017, I scheduled the payoff amount on Wells Fargo Dealer SErvices website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/2017, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of 400 plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on Wells Fargo Dealer services side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with Wells Fargo, XXXX, XXXX, and XXXX. Noone is correcting the mistake.
Consumer complaint received 2021-06-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet. I feel like Im being ignored and taken advantage of because I am disputing so many items on my credit report. Section 611 ( a ) of the FCRA plainly states that a failure to investigate these items within 30 days prompts the immediate removal of those items from my credit report. It has been over 60 days, so they should be deleted. I demand these items be deleted immediately or I will file for litigation due to the stress that this situation has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 40 plus days in have not had a response. Under

the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof so iaccounts should be block and removed. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the
purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you Block and remove the following accounts and send me my updated consumer report.
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES
Consumer complaint received 2022-04-30
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. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any p
urpose.
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX and I have noticed some unauthorized and inaccurate information on my credit report. Hence, I am writing to request an investigation and removal of the unauthorized and inaccurate information. 

It seems that XXXX, TransUnion, and XXXX  have a systemic problem in its limited categorization of the inquiries it receives and its cryptic notices and responses. Their employees are no more than data entry clerks in the dispute and investigation process. Their investigations of disputes sometimes involve merely verifying that the information matches their own computer records, without undertaking a meaningful examination of the underlying facts. Therefore, I am requesting XXXX, TransUnion, and XXXX  's credit investigation to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. In addition, I am requesting that XXXX, TransUnion, and XXXX  obtain a copy of the underlying application or contract from the furnisher, and provide several handwriting samples, such as copies of cancelled checks, a drivers license or backs of credit cards that include my signature. If these critical documents are left out of the investigation process, it may violate the FCRA.XXXXI have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Please be advised that the companies performing the harassing phone calls are listed below. 
XXXX XXXX - {$400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} Please note that the account listed as XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX XXXX XXXX has a balance of {$0.00}. 

Please be advised that there are some unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I did not authorize or give consent to XXXX, TransUnion, XXXX  or any other agency to furnish information related to me and these transactions occurred without my permission. 

The information mentioned about is unauthorized and incorrect. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Consumer complaint received 2022-01-12
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. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (CA)

I have sent numerous of letters explaining I am a victim of identity theft along with copy of valid documents. I have sent letters in XXXX, XXXX, XXXX and XXXX to plead with bureaus of fraudulent accounts. 
I have filed police report of my information being stolen, I also explained when I have moved to the United States. There was no way I could have applied for such accounts, theres also another person name listed to the account. 
My pleas are being ignored but a automatic system.