davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SUNCOAST CREDIT UNION (FL)

I have attempted to reach out to Suncoast on multiple occasions. Multiple accounts are being reported inaccurately. MY credit card reported XXXX dollars more then value of the card, My pay day loans continue to reflect closed which should reflect revolving accounts. My Vehicle XXXX XXXXXXXX XXXX was paid in full but reflecting closed, My signature loan shows closed, A closed account can reflect as a negative account. I have been deligently trying to work with Suncoast to recitfy my concerns, but it seems to be passed on, A closed account is an account that can no longer be used to make charges, while a paid in full account is a closed account with a XXXX balance : Closed account An account that can no longer be used to make charges, but it may or may not be paid in full. A closed account can remain on your credit report for up to 10 years. The account information will show if there is a balance and whether the account payments were current, late, or had been late. 
Paid in full An account that has been closed and has a XXXX balance. When a loan or a closed credit account are paid in full, they should be reported as such on all of your credit reports.
Consumer complaint received 2022-11-12
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. (GA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (OH)

I am trying to fix multiple errors on my Experian credit report and they keep sending me emails saying they dont think it was me that submitted the disputes and are not doing anything about it even though I have sent id documents and everything and they have previously did the same response. It seems they are doing everything in their power to not abide by the fair debt reporting act and investigate properly and remove inaccurate information. I guess trying ti save money or man power while my credit is suffering and I am trying to buy a house and cant because of this inaccurate reporting. I need help to get then to actually do this and stop playing games with my life. I have attached the email and this is multiple times in the past few months they have done this.
Consumer complaint received 2023-02-01
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)

We had a list of transaction disputes on our Capital One Credit Card XXXX : Disputes were against Merchant APPLE.COM/BILL and totaled {$9700.00}. We were informed by multiple service agents that we had won this dispute and that this amount would be credited to our account ( as you can see in the attached account statements ). 

However Capital One has refused to issue our check for these refunds since November, despite multiple promises to do so. It is my understanding that they have 7 business days to refund any credit card credits, it has been 3 months.

I have called and begged and pleaded but at this stage Capital One is refusing to send me my refund despite making it look like they had on my account statement ( as you can see in the attached account statements ).

I would like for Capital One to send me my refund check for my credit card credit of {$9700.00}
Consumer complaint received 2023-02-24
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am making a formal dispute about these debt that appeared on my credit file. The collections company name is XXXX XXXX XXXX and I have never had any dealing with this company, nor have I had an Lease with any of their affiliates. 

I was informed today that this debt that does not belong to me and has appeared on my credit. I believe this debt is a result of identity theft and does not belong to me. I have never opened an account with the companynor have I ever lived at the lease that is appearing on my credit from this collection debt collector.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-02-24
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. (TX)

The account XXXX is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2022, Capital One XXXX XXXX XXXX XXXX account. I found out on XX/XX/2022 when I tried to use the card and it was denied. XX/XX/2022 Called Capital One and after about XXXX minutes on the phone, I was told the account was closed and they could not provide a reason. I would also lose all miles I had built ( XXXX. ) I only had the card for about 6 months and use auto-draft to pay my bill. I NEVER carry a balance and have been a Capital One customer for about 10 years. My Credit score is about XXXX. This card also cost me {$390.00}! No one called me No one will tell my WHY my account was closed. I was told I could reapply after 90 days. Im asking Capital One to transfer the miles from my closed account to my current XXXX account that I have had for about 10 years. Also, provide credit for the cost of the annual fee from the closed account. Capital One should be honored that Im even still doing business with them after the problems I had getting the XXXX card and them canceling it without contacting me and keeping the miles I had earned. AND the {$390.00} for the cost of the card. 
I've also filled a XXXX complaint and they closed it saying .... 

XXXX XXXX XXXXXXXX Capital One XXXX  XXXX XXXX XXXX XXXX XXXX Thank you for contacting our office regarding the complaint filed in our office. 

Capital One will respond to your complaint however, it is our understanding that Capital One has 60 days to respond to a complaint filed through the CFPB agency. 

At this time your complaint will be closed in our office but if after that 60 day time frame no response has been provided to you from Capital One please inform our office so that we may continue our process. However, if a response is provided and you do not find it satisfactory any rebuttal would need to be filed through the CFPB according to their policies. 

If you have any questions or concerns, please reach out to our office at XXXX. 

I also filed a complaint with the NC Consumer Protection Division. They send Capital One an email asking for a response in XXXX days. No response. 

I've asked Capital One multiple times for a letter telling my why my account was closed, but after over a month, nothing. NOTE : I did NOT ( until today ) file a complaint with CFPB.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I never had late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This Information is Incorrect. Please remove it from my credit report. 

XXXX XXXX XXXX  This inquiry was not authorized. please remove it from my credit report XXXX This inquiry was not authorized. please remove it from my credit report
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC (NJ)

I am writing this due to non-compliance with the ( XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Consumer complaint received 2021-04-04
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. (GA)

All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint. 

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

Thank you.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CO)

My credit card was used for multiple purchases, at {$50.00} a time until that person has hit my max. They have determined that the charges are fraudulent but it takes times to correct. In the meantime it got reported to the credit bureau that I am not paying my bill. But it was fraudulent use of my credit card and they said they would fix it. I need this removed from my credit report please. Thank you.
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

on XX/XX/2022 a transaction was made to a utility company that wasn't made by myself and the bank sent me an alert. Because of this I looked at all the transactions and found numerous transactions that wasn't made by myself and filed a claim with my bank. They denied the claim including the one they sent an alert for. I called them and they reopened the claim, yet they denied it again. These charges were not made by me or anyone I knew but because I stated my debit card was always in my possession they denied me. I have contacted some of the merchants and they have agreed to the transactions being fraudulent but I was told my bank has to start a request for the transactions and they would return the funds to my bank. I sent an email explaining this but still have not heard a response from my bank. I don't believe they investigated the transactions because they stated that the transactions they could view was valid.
Consumer complaint received 2022-06-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I did sent the paid off amount {$14000.00} XX/XX/2022 Casher Check XXXX  Overnight The check was received XX/XX/2022 and cashed the same day. I did called several times and asked where is my title, they never provide the information, After several conversation with customer support, they told the check was cleared XX/XX/2022 with totaly different amout {$13000.00} it was {$300.00} less than was paid. 
I had a several conversation with all different managers but never had explanation, when I can receive my title, According to lease agreement and paid off the NJ XXXX {$850.00} and purchase option fees {$300.00} was included but they ask me to pay more and I paid extra {$200.00} so far is amount {$14000.00} but they still want more and more funds. 
It is already 30 days since the payment was made but title never been send. 
If you need more information please let me know.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

I opened an credit card with XXXX XXXX  around XX/XX/XXXX or XX/XX/XXXX I called XXXXXXXX XXXX because my card was maxed out they said there were numerous internet charges for games made on this card. So I explained that they were NOT mine. XXXXXXXX XXXX service representative stated that I still had to pay for these charges. So I closed the card. I have recently found out from the NY State Attorney Generals Office that this was illegal for XXXXXXXX XXXX  to do this. Consumers are not responsible to pay for UNAUTHORIZED CHARGES made on a credit card. XXXXXXXX XXXX also has this phone called recorded in there data base as this conversation was recorded. Now XXXX XXXX  has sold this account to LVNV and they are reporting this debt on my credit reports. I have reported this to LVNV funding but they continue to ignore the law and keep reporting this on my credit reports.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

XX/XX/23 - Called to receive an update on my loan consolidation request and the status of my SAVE application from XXXX. Was on hold for 1 hour and 15 mins, then was informed that the SAVE application portion may not have been completed properly and to wait for the loan consolidation to complete before submitting another application. 

XX/XX/23 - Submitted another SAVE application, after being informed that the first one was not completed properly. 

XX/XX/23 - Called to receive an update on my SAVE application as it had been past the 10-15 day processing period and they had received all required documentation. I had not received ANY communication from Nelnet. I was on hold for 1 hour and 30 minutes, then I was told that I should have received an email and a letter in the mail stating that it would be up to 20 days now due to the high demand ( for which I received neither ). 

XX/XX/23 - Called to receive an update on my SAVE application as I have not received ANY communication from Nelnet on the matter. The website says that the application has been completed, however there is no change to my loan payment or status. Was on hold for 2 hours, then was told that it would be 30-40 days to get any information.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (FL)

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 an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.