davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

To whom it may concern, On XX/XX/XXXX, I signed up for Carecredit with Synchrony Bank after the billing department at my dentist 's office recommended it. Neither the dentist billing person nor the Synchrony Bank salesperson mentioned that the no-interest promotion expires in 12 months. So I signed up for Care credit under the impression that it'd be interest-free and set everything up for auto-pay. I just found out yesterday, on XX/XX/XXXX, that I have been charged {$910.00} in interest when I have already paid it down to about {$1600.00} from {$2300.00}. I did not receive a mail, email, or phone call about the expiration throughout the whole 1.5 years that I have had Carecredit. I have vision impairment so I struggle to read fine prints. It felt very deceiving, dishonest, and frustrating. I would have never used Carecredit if I was adequately made aware of the 26 % interest rate after the promotional period.
Consumer complaint received 2022-12-08
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: Nelnet, Inc. (IL)

To whom it may concern : In accordance with the fair credit reporting act, this creditor ( XXXX XXXX XXXX ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-28
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. (AZ)

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. 
XXXXXXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-09-28
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2020
Consumer complaint received 2022-09-28
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. (AZ)

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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 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 an account without my written instrution under 15uscs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. capital one told me that this information is accurate and will not be deleted which is a direct violation of my rights under the fair credit reporting act. The dates are XXXX XXXX and XXXX XXXX. No action has been taken by capital one which is a direct violation of the law.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I have requested in writing multiple times that the XXXX XXXX XXXX on my credit report with all 3 reporting agencies be verified and that they provide the procedures in which they verify that this information is accurate. 

This is the information I have requested : XXXX XXXX XXXX, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2.The name of the person at the courthouse who handled your request 3.The address of the courthouse 4.Which document you obtained to verify the bankruptcy The generic responses I receive are that they were verified ignoring my requests for the procedures that violate my rights under FCRA 611 aforementioned. 

I've also verified with the XXXX County courts that they have no role in the credit reporting process in which they made the following statement : The XXXX Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy XXXX does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I previously wrote all three credit reporting agencies to investigate and verify the bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from XXXX, Equifax, and XXXX lied about verifying this XXXX with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that they IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX, Docket # XXXX
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

I am XXXX XXXX XXXX who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXXBalance : {$2300.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$3600.00} U S DEPT OF EDXXXX XXXXBalance : {$5700.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$5300.00}
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX
Consumer complaint received 2022-09-23
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as it was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015.
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Revolut Technologies Inc. (TX)

I have used revolut for around 2 years to receive money from friends. I received a payment of XXXX euros, exchanged it for USD and attempted to pay a bill. The account was locked for a standard check with no explanation, no warning or ability for me to take care of my bill which is now past due.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2022-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

ON XX/XX/XXXX I RECEIVED RESPONSE FROM CAPITAL ONE REGARDING FRAUD INVESTIGATION THAT POSSIBLE THEY DID THEIR INVESTIGATION .FIRST OF ALL IM NOT SATISFIED WITH RESULTS BECAUSE CLEARLY CLEARLY THEY DID NOT EVEN TOOK A SECOND TO LOOK AT FTC REPORT THAT IVE SENT BECAUSE THEY VERIFIED ADDRESS AS ACCURATE WHEN ON FTC REPORT IT CLEARLY SHOWS THATIM DISPUTING ADDRESS AS FRAUDULENT .LIKE THE INVESTIGATION RESULTS ARE FUNNY THE PAPER THEY ATTACHED THEY SAID XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX WE CHECKED PUBLIC RECORDS AND THIS ADDRESS BELONGS TO YOU WHEN I DISPUTED THIS ADDRESS AS FRAUD AND XXXX  ERASED FROM MY REPORT XXXX TELEPHONE NUMBER NEVER EVER BELONGED TO ME THEIR RESPONSE 'We mailed billing statements to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. ' SO IF SOMEONE DID NOT RETURN A LETTER AND LETS ASSUME THE THREW IT AWAY DESTROYED IT OR ANYTHING LIKE THAT THAT MEANS ITS MY ACCOUNT? this is ridiculous and this is the response of capital one investigation team? Going of public records? 
We located recorded calls from XX/XX/2019, in which you contacted us about this account and stated it was your account. IS THERE ANY PROOF I CONTACTED YOU OR FRAUDSTER DID? 
The Social Security number and date of birth we have on record for this account were verified as yours? LIKE THIS IS MOST RIDICULOUS PART SOCIAL AND DATE OF BIRTH IS YOURS? YEA THATS WHY ITS CALLED IDENTITY THEFT IF IT WASN'T MINE IT WOULDN'T BE ON MY CREDIT ILL GO AHEAD AND ATTACH THAT LETTER THEY SENT MY XXXX CREDIT REPORT WHERE THE ADDRESS NO LONGER SHOWS BECAUSE I DISPUTED IT AND FTC REPORT WHICH WILL BE PAGE 12 THAT SHOWS MY REAL PHONE NUMBER ADDRESS AND DISPUTED ITEMS
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

In XX/XX/XXXX I reviewed my credit reports and saw a collection for {$6200.00} with Midland Funding. I sent a debt validation letter to learn more about the account. 

I submitted my debt validation letter in XXXX, but Midland Funding responded to my request in XXXX. 

I worked with someone to help me translate the letter, but was frustrated that they did not contact me in my preferred language. 

Furthermore, Midland Funding did not provide a final account statement from the original creditor. The debt validation letter shows that the original account is from XXXX but does not provide a final account date, which leaves me without the information I need. 

The account is past the statute of limitations to collect and the account should also be past the seven-year window to report such debt. This account should be removed from my credit reports.
Consumer complaint received 2022-09-28
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. (MS)

Regardless of the multiple written requests, the public records, inquiries and inaccurate personal information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, EQUIFAX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX  XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; EQUIFAX MTG XX/XX/XXXX XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (MA)

I have been a victim of identity theft and requested the account related to fraud be blocked from my consumer report, it was blocked for 1 month then reinserted by Experian when the issue was already resolved and was concluded identity theft
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BOA double charged me on a month I had a large balance, and I've been unable to get my money back despite a series of long calls with the company and various promises made. My BOA credit card is on autopay, to cover the full amount each month, from my checking account at a different bank. At the beginning of XXXX, I got a notice the payment couldn't go through because of the balance in my checking account. I fixed the balance, and then sent in payment manually through credit card website ( still taking money from the same bank account ). A couple days later, BOA took the same payment AGAIN : {$4900.00}! I called to ask to get my money bank in my bank account, starting beginning of XXXX, and despite many calls and being handed around between employees and departments, I still don't have my money back. My credit card now account shows an almost {$4000.00} credit, and they *still* took more money out of my bank account to pay my XXXX balance. They keep telling me different things, but the conflicting advice almost doesn't matter because it all results in the same thing : I'm out the money they took from my bank account without my permission, and scrambling to pay my mortgage and coop fees, and my estimated taxes, and other bills, for the second month in a row. Today I called again ( having been promised the money back in my bank account by last Friday at the latest, but of course it is still not there on Monday ) and was told it would take 30 days more to get it. Previously, I was told it would somehow take three billing cycles, to get my money back. Funny, when I sent money to them, it went through almost instantaneously! Whatever BOA says in response to this, I am absolutely not going to believe it until I see the money actually back in my bank account.
Consumer complaint received 2022-09-28
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.