davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want them to be removed from my credit. 


1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-07-29
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my XXXX  to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$7300.00}
Consumer complaint received 2022-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (CA)

Hello, My name is XXXX XXXX, this in reference to complaint numberXXXX 

I believed the matter had been resolved, but I attempted to log into my XXXX savings account yesterday, XX/XX/2022, after the bank temporarilyre-enabled my account, allowing me access to my online account and my funds. 

However, XXXX XXXX has " XXXX '' my account AGAIN without notifying me or explaining whyI can't access my account or my funds. 

Once again, I can not access my account or the remaining balance of {$3000.00} I have in the account. 

I need access to my funds to transfer my money back to the bank of origin and close the XXXX account. I have no interest in ever doing business with this institution again. 

XXXX XXXX should be investigated for abusive consumer practices. 

Thank you.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (AE)

I tried to open an account at Navy Federal ( NF ) l. The supervisor rejected my application and stated " my whole business " is not supported at NF. I asked for a where it stated that NF doesn't support consulting businesses and she said it wasn't stated anywhere. I asked for this statement in writing as described by law and she denied that. 

She then went ahead to state that I had indicated that I " offered credit repair services '' which I never said ( A recording on the call should be produced for evidence ) My website said " We 'ensure ' credit repair, optimization and strategy to set up your business up for massive funding possibilities ''. Ensure means, we make sure and provide a review of your financial package ; not provide a credit repair service. The website clearly states " Consulting Services ''. This is a classic case of a " supervisor '' who made a mistake and instead of rectifying the issue when she incorrectly stated I provide credit repair services despite my website starting otherwise, stuck to her guns. I have attached my statement for identification of my account. 

Below is the website : XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on XXXX # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on Equifax XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus.

Please Delete ASAP.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/year>2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : Reports a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent XXXX-XXXX payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
Equifax : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite XXXX previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies.

Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It makes me wonder why does the Credit Bureaus were unable to remove he disputed items from my Credit report despite the multiple letters and complaint I have been submitting to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information and FTC 's ID THEFT REPORT I received. But despite all these, the Credit Bureaus have failed to comply with the FCRA section 605b which I highlighted on my letters. How many times do I have to inform and remind the Credit Bureaus of their obligation to comply with the FCRA section 605b? I already grew tired to disputing my Credit in a polite manner which leaves no choice but to be aggressive. I have been informing my Legal counsel about my situation and they offered to help me by taking legal action and sue the Credit Bureaus due their negligence. I am submitting this complaint to inform the Credit Bureaus of my intentions and if they still choose to not comply with the FCRA statute, my legal counsel is willing to file a lawsuit. I need the following items removed completely from my Credit File! 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX  XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Owed : {$10000.00} XXXX XXXX XXXX XXXX Owed : {$730.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

I've been complaining about National Credit Adjusters for nearly 4 months. They have not even attempted to resolve this issue. The collections just sits on my credit profiles. They refuse to remove it. They don't have an interest in really verifying the debt. They're only interested in making a profit from the debt that they purchased. Horrible and unethical company.
Consumer complaint received 2022-07-29
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This complaint is being sent to XXXX XXXX XXXX XXXX in response to a computer-generated, unsigned letter dated XX/XX/XXXX, letter received by Claimant from their offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.
Consumer complaint received 2022-07-29
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: ERC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This complaint is being sent to ENHANCED RECOVERY CO XXXX in response to a computer-generated, unsigned letter dated XX/XX/XXXX, letter received by Claimant from their offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

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 account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX
Consumer complaint received 2023-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NC)

On XX/XX/2023 it was brought to my attention that the back office of PNC Bank had closed down my newly formed home equity line of credit, approximately one week after its initial formation.

They then substituted my loan for an alternative product without my consent that changed my rate to variable vs fixed as initially agreed fully two points higher than the product initially issued.

The branch staff were unable to determine how this happened and immediately escalated the issue to three higher level banking officials within their organization and no response has been received to date.
Consumer complaint received 2022-07-31
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX 15 U.S.C. 1681 SECTION 602 A states 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 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One offered me a no fee overdraft which I tried to avail myself of the opportunity on XX/XX/2022. I was denied the overdraft and when I called the bank to find out why, the response I got was that the system processes the " so called overdraft '' and that no live person could override the decision of the system. The first person I spoke to said the overdraft will be between {$100.00} and {$500.00} but to my chagrin, I could not get the least, the {$100.00}. The explanation another person from the bank gave was that no one is guaranteed the overdraft even after being approved. I feel the bank is just luring people to open accounts with them with the overdraft enticement only to deny them.
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (IL)

I was out of town when my payment was due and received phone call when I returned. XXXX of XXXX is spoofing a XXXX XXXX XXXX phone number. I had declined that number several times as I have no business with XXXX  XXXX XXXX. The XXXX agent never left a voicemail. But becoming frustrated with calls from " XXXX XXXX XXXX '' I answered and agent introduced herself as a XXXX Agent. 

I don't agree with this practice at all and believe it to be fraudulent. I would have answered the first time if the caller id was identified correctly!
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

I was informed by US Bank that all of the late payments on my loan with US Bank would be removed from all XXXX major Credit bureaus, XXXX, XXXX, XXXX. I have yet to see the Credit information be updated on all XXXX reports. I was told this information would be updated within 60 days of the information being reported to each major credit bureau. I am requesting that US Bank honor what the company Customer care team informed me of so that this negative information can be removed off my credit report. 

Thank yoiu, XXXX XXXX
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (CO)

Experian should not be reporting a collection/chargeoff in the amount of {$12000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Utility Bill for identification purposes. ) I had gone to XXXX for a long period of time and when returning home to the United States I tried to use my credit cards. Every single time the card was declined. I realized at that moment I was a victim of identity theft. I obtained a copy of my credit report and discovered these accounts were being reported as collections/chargeoffs on my credit report. These accounts do not belong to me. I never opened these accounts nor did I ever authorize anyone to open these accounts. I immediately filed a police report, a copy of which I have attached for reference. XXXX Police Department Summary Incident Report - REPORT NUMBER : XXXX dated XX/XX/XXXX These accounts need to immediately be removed from my credit report. This false reporting of collections/chargeoffs that do not belong to me is seriously harming my credit score. I have contacted the bureaus as well as the bank to fix this however, I have not been successful.
Consumer complaint received 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient provided an incoherent response. Navient did not respond to any of the issues raised and only admitted to not properly handling the servicing requirements provided by the Department of Education. Navient also admits it fails to follow Federal law with proper payment allocation. 

Navient is failing to take the correct accounting of the payments. Navient stole the payments made for the next month and misapplied them to what they term as " Unpaid Interest, then to Unpaid Principal. '' THIS IS INCORRECT as all interest payments and principal are current. 

The total due for XXXX is {$280.00} the total paid was {$500.00}. 
The total due for XXXX should have been {$100.00} the total paid was {$320.00}. 
Therefore, total due for XXXX should be {$100.00} AND WITH NO UNPAID INTEREST AND UNPAID PRINCIPAL AS EVERYTHING HAS BEEN AND WILL ALWAYS BE CURRENT. 

Proper allocation of payment to account and thus an amount due for XXXX for {$100.00}.