davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my ri

ghts. 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 2022-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (TX)

On XX/XX/XXXX, I got a text saying : From : Radius Global Solutions LLC, a debt collector Re : XXXX Log in : XXXX Call us : XXXX Your Rights : XXXX Txt STOP to End texts I replied : Stop Got this : You replied with the word 'stop ' which blocks all texts sent from this number. 

Then I got a text again today XX/XX/XXXX after saying stop. 
From : Radius Global Solutions LLC, a debt collector Re : XXXX Log in : XXXX Call us : XXXX Your Rights : XXXX Txt STOP to End texts
Consumer complaint received 2022-09-19
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: ALLY FINANCIAL INC. (CA)

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX credit bureau and told them that the bank agreed to not report the late payment account. I believe XXXX is violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. ALLY FINCLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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. (AR)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX BANK # 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 2022-05-05
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. (VA)

XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX XXXX data breach and was also leaked in the XXXX  XXXX data breach.
Consumer complaint received 2022-10-13
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)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-06-28
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. (AR)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX BANK # 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 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have a checking account with Capital One bank. On XX/XX/2022, I placed a check in a public mailbox outside a US Post Office. The check was for {$360.00} to the XXXX XXXX XXXXXXXX XXXX to pay taxes. On XX/XX/2022, I saw on my bank statement that the check had been cashed for {$1400.00}. I looked at the image of the check and " IXXXX XXXX XXXX XXXX '' had been covered with white-out and the name " XXXX XXXX XXXX had been written over it. The amount of {$360.00} had also been covered with white-out and {$1400.00} had been written over it. I called Capital One that same day and reported the fraud and that my check had been stolen. The person I talked to on the phone agreed that this was an obvious case of fraud and said they would investigate the fraud and refund the stolen money. I also reported the mail theft and check fraud to the police. 

Now three months have passed, and I have not gotten a refund of the stolen money. Every time I have called Capital One ( I have called customer service several times in the past three months ), they have said the investigation is still ongoing and there is no way to estimate how long the investigation will take. I can not understand how the " investigation '' is taking so long when the fraud was so obvious ( the white-out over both the name and the amount is visible on the check ). Capital One has also claimed they have no duty to screen checks for authenticity before withdrawing the money when someone makes a mobile deposit of the check. It seems completely irresponsible to not review the check before letting the money out of a customer 's account, when mail theft and check fraud are apparently so easy to commit.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank XXXX XXXX Credit Card, XXXX Credit Card and XXXX Credit card. Trying to make payments, website not accessible due to their own glitch. Can not reach anyone via telephone to make a payment. Have tried on several computers to access my accounts. I have a payment due tomorrow and have been trying to pay it for five days.
Consumer complaint received 2022-10-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have tried to reach out to collector to correct the account status on my report this account below has been paid and full i have attached proof the balance is paid. the collection agency XXXX XXXX did agree to delete this off my credit and it hasnt been done yet. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - this account is paid and full. creditor agreed to remove once paid. factual proof attached.
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-09-21
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. (NC)

Despite two written requests, I still have unverified items listed on my credit report in violation of Federal Law. CRAs are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of the first investigation and subsequent reinvestigation, CRAs stated in writing that they verified that these items are being reported correctly. 

I have NOT been provided : * The name of the person who verified these accounts are mine? 
* How did they verify them? 
* The name of the individual, business address, and telephone number of the person or *business contacted during the re-investigation. 
* Copy of ANY original documentation ( credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ). 
* Method of verification as required under Section 611 ( a ) ( 7 ).

Under Section 611 ( 5 ) ( A ) of the FCRA-CRAs are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (MI)

In the Wells Fargo response to CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX " on XX/XX/XXXX, we received returned mail and we suppressed statements for XX/XX/XXXX and XX/XX/XXXX. '' That is there is a causal connection between alleged returned mail and cessation in statement generation WHILE continuing to bill, and that alleged items of returned mail equally stopped electronic statements from being generated. XXXX XXXX XXXX then provides another statement connecting the billing errors for XX/XX/XXXX and XX/XX/XXXX to me, alleging " We confirmed that statements were restarted in XX/XX/XXXX, after you confirmed address in XX/XX/XXXX. '' I did not contact Wells Fargo in XX/XX/XXXX to update and/or confirm my address information. I didn't know there was any issue ( XXXX ) with my loan accounts at the time. Although contradictory to other statements, a XXXX XX/XX/XXXX response and clearly states the accounts were in deferment for XX/XX/XXXX and XX/XX/XXXX. Having no access to even electronic statements, I would not know there was any issue with the accounts ( billing was suppressed. XXXX XXXX alleges no communication took place over those same months in his XXXX XX/XX/XXXX response to an inquiry from my State 's Office of the Attorney General, claiming that WF has no record of call communication from me after XXXX XX/XX/XXXX. This is misleading as my accounts were placed into a deferment on or around XXXX XX/XX/XXXX, and I'd been filing complaints and receiving responses to billing errors since around XXXX of XXXX -- to which WF responded. All of this is important because XXXX XXXX claims in XXXX that statements were withheld from me ( unlawfully ) and that my right of notice was only re-enabled once I confirmed my address in XX/XX/XXXX. The XX/XX/XXXX time-frame seems rather arbitrary and odd. What DID take place on XXXX XX/XX/XXXX is a Wells Fargo soft inquiry on my credit files. Attached is the inquiry from XXXX. Considering the timing of the soft inquiry, it appears to be an inquiry conducted in a similar manner to what a debt collector would do in order to find/contact/mail a collection notice. The point is I did nothing between the months of XX/XX/XXXX and XX/XX/XXXX to warrant that should have prevented me from receiving a statement. The last knowledge I had was that the accounts were deferred. Yet, somehow WF has implied their systemic failures are my fault, despite the fact that I was communicating with them, and despite the fact that I continued to reside and receive mail at the same address.
Consumer complaint received 2021-12-17
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. (PA)

There are incorrect late payments showing on my credit reports from " XXXX XXXXXXXX XXXX XXXXXXXX ''. The credit reporting agencies are showing a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. When I log into my account through the company, they show a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. 30 days had not yet passed and the company reported my account as being late to the credit reporting agencies. All of the information is inaccurate. According to my payment history showing on my account, my the late payments in question have been paid before on the same date that my payment is due. My due date for my payments are the 25th of each month. The XX/XX/XXXX " late '' payment was made on XX/XX/XXXX. There was a payment of {$31.00} on XX/XX/XXXX to cover the payment due for XX/XX/XXXX. There was also a payment of {$62.00} made on XX/XX/XXXX to cover XXXX and XXXX payments of XXXX. As stated above, my payments are due on the XXXX of every month and the late payments in question were not 30 days late.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am resubmitting a dispute regarding CFPB case # XXXXCapital One case # XXXX. On XX/XX/2021 Capital One sent a letter stating that they permanently credited my account for the full amount of the disputed amount of {$510.00}. This letter was uploaded to the CFPB website. On XX/XX/2021 I received a letter from Capital One that I was being charged {$250.00}. I called on XX/XX/2021 to review and reconcile my account/statement dating back to the original charge of amount of {$510.00} with a fraud and dispute supervisor, XXXX, agent code XXXX. These were the findings and the account reconciles as of XX/XX/2021 ( See below ). After the reconciliation with XXXX, I do not owe Capital One {$250.00}. This is an error on Capital Ones part and I am asking that they REVERSE the CHARGE of {$250.00} posted XX/XX/2021 late evening. 

Charged XX/XX/2021 {$510.00} original charge Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$510.00} Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$510.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Total charged {$1800.00} Total credited {$1800.00} I called on XX/XX/2021 to speak to XXXX fraud and dispute supervisor. I spoke to XXXXand XXXX who tried to reconcile my account. Apparently the agents count the number of charges/transactions versus the number of credits and do not reconcile the total amount of charges in dollars versus/compared to credits in dollars. I thought the case was closed back on XX/XX/2021 now Capital One OWES ME {$250.00} nearly four months later.
Consumer complaint received 2023-01-05
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: DISCOVER BANK (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, 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 2021-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX /XXXX  acct no. XXXX XXXX opened XX/XX/2021 XXXX XXXX
Consumer complaint received 2021-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (AZ)

My husband and I applied for a business line of credit in the amount of {$55000.00} on XX/XX/XXXX. We both have personal accounts and business accounts and credit cards through Wells Fargo. My husbands credit score is over 800, mine is in the 700s. We have 100 % on time payments. Our debt to income ratio is low and we always keep our credit cards at less then 10 % usage. I had a bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since that time there has been nothing negative on my credit report aside from a couple hard inquiries for auto loans, which I have then received. The bank denied us based on my bankruptcy 7.5 years ago.
Consumer complaint received 2021-11-27
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. (MI)

Equifax has violated my federally protected consumer rights. I have never given the any written instruction to furnish any credit report on my behalf. Also, they are reporting nonpublic information on my XXXX report which is a violation of my privacy. VIOLATIONS pursuant to 15 usc 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 )
Consumer complaint received 2021-11-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a consumer entitled to consumer protection. Capital One Bank USA has failed to validate their false claim of an alleged debt pursuant to 15 usc 1692g. I have no account with you, nor have I ever. Since you saw fit to place this item on my credit report, you obviously have all the information you need in order to investigate and correct your error. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Be advised that I am NOT requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities XXXX the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

In XXXX XXXX XXXX XXXX  accounting documents, theyve written the account off as uncollectible, and they no longer consider the debt as an asset. XXXX XXXX XXXX cancel the debt completely. When this happens, you no longer have a responsibility to pay the debt. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive 1099 from XXXX XXXX. No only that I haven't received a physical signatures stating that I agreed to terms nor last four of social