davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

CapitalOne hasn't provided me documentation for these disputed transactions. 
capital one reversed these charges and charged back to account upon the request of investigation documents and this has NOT been provided upon multiple requests. 


XX/XX/21 XXXX XXXX {$30.00} XX/XX/21 XXXX XXXXXXXX {$21.00} XX/XX/21 XXXX XXXX {$27.00} XX/XX/21 XXXX XXXX {$30.00}
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and Experian regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. 

On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for Experian and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2022-07-10
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. (NY)

In accordance with the Fair Credit Reporting act ( FCRA ). My rights are been violated FCRA 15 U.S.C 1581 section 602 ( a ) 3-4, ( b ). ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

I am writing to have you remove account Number : XXXX Company : XXXX. 

I am writing to have you remove account Number : XXXX. Due to Inaccurate payment XXXX XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am not the owner and never received a bill for this account.
Consumer complaint received 2022-07-10
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 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 2022-04-14
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: Experian Information Solutions Inc. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NE)

XX/XX/year> I sent a letter requesting information on the debt in question. The company responded saying there was no contract or service agreement. I believe this lack of validation is a violation of 15 U.S. Code 1692g. I have attached my letter and their response letter.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (HI)

Call Navy Federal Credit Union on XX/XX/21, ask questions about cashier check and was told the funds would be made available same. I went to cash the check on XX/XX/21 was told there a 24 hour hold. Call there XXXX number again was told there was no record of my call on XX/XX/21, explain what happen and was in need of my money do to the death of my mother, was it will be there in 24hrs. Asked for a supervisor who would not listed ask to file a complaint was told he would. Call back on XX/XX/21 because cashier check was still not in my account after 24 hours. Was told now it not processed until after midnight to 6am, by a supervisor who was told your customers service told me other wise. Navy Federal keeps living to people over our money and fails to do the right thing. 24 hour hold has turn into a 48hrs with them making excuses on my money. I had to miss my mother funeral services because of them., and they don't care.
Consumer complaint received 2022-04-14
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. (TX)

In accordance with the Fair Credit Reporting act 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 2024-10-23
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

I attended XXXX XXXX XXXX. XXXX years ago, I applied for a borrower defense discharge. Finally, this year it was approved, after XXXX XXXX orders that both applied to my loans. The new servicer, Aidvantage, is claiming my loans don't qualify. They have offered a small credit for my long wait. All they have said is that I should wait to receive information about my loans. It has been weeks since then. This is a nightmare that has lasted 15 years now. I just want this to be over. I'm hoping there can be a resolution to this. I want others to see this and know it's not just them. You can't trust these people.
Consumer complaint received 2022-04-14
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 Account # XXXX, XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (GA)

I intially wrote to CARTER YOUNG on XX/XX/XXXX to validate an allege debt that they claimed I owed. I did not receive a response until XX/XX/XXXX, which was a letter stating a denial to provide me with a validation of the debt. Not only did CARTER YOUNG deny me my right to a validation of debt but also failed to provide me the material disclosures within the 5 days allowed, which is a violation of 15 USC 1692g. In addtion I was given false misrepresentation that I owe a debt in a positive balance, as seen in Exhibit A. How can you pay on a debt that is in a positive balance? This is another violation of federal law 15 USC 1692e ( 2 ) ( A ). Also they failed to notate and disclose the XXXX correctly that This communication is from a debt collector. This is an attempt to collect a debt and that any information obtained will be used for that purpose, which is another violation of 15 USC 1692e ( 11 ). Most importantly CARTER YOUNG sent me a cover letter stating that I owe an alleged debt, and referenced an enclosed document sent with this cover letter. This document they sent in referenced into my alleged debt is not even mine. The form shown as Exhibit B is clearly sent from a XXXX XXXX, who I am not nor have any relation to. This is false and deceptive which violates 15 U.S. Code 1692e ( 10 ). The form I initially sent you can be referenced in Exhibit C.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (GA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-03-21
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-04-19
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. (SC)

In accordance with the Fair Credit Reporting act 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 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (GA)

I am making this formal compliant about Acima Leasing and an account they are continuing to try to debit my account and collect on an account I returned. 

Acima is a leasing agency and I obtained a sofa/loveseat set and requested that the items be picked up. According to Acima, you can return the merchandise with no penalty. I contacted Acima on XX/XX/XXXX requesting that the merchandise be picked up and that I was exercising my right to return the merchandise. On that day or days following, Acima agreed and sent an email on the procedures to return the merchandise, which I compiled. 

The instructions were to donate the items to a non-profit agency and that would conclude the lease agreement. I contacted a non-profit agency, XXXX XXXX, and scheduled a pick-up. The items were not picked up by XXXX and I had to take the items to XXXX for donation. 

Acima did not accept the donation receipt and have now added the items to my credit report as well as continue to debit my account without my further authorization to try to debit my account via XXXX. The very day that I asked for the items to be picked up, they added the account on my credit report for 3 times the amount of the purchase price.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing GLOBAL LENDING SERVICE inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to XXXX & XXXX documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

I returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed.
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

DSNB MACYS XXXX
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

Due to a devastating life problem were unable to pay our credit card debt for an extended period. Weldman, Weinberg & Reis, in XXXX, on behalf of XXXX obtained a judgment against me in XX/XX/XXXX. They were given the contact information of XXXX XXXX, the credit management company we were working with to clear up our debts. With no notice of intent not to settle, on XX/XX/XXXX, they filed for a Writ of Execution in XXXX XXXX, PA. Per XXXX XXXX, they never responded to, or contacted them, nor did they contact us. They added over {$1000.00} of interest for the time period they did nothing. On XX/XX/XXXX, they have frozen most of our bank account, which should all qualify as exempt, and I am required to go to court. It took several days for us to piece together what was happening, They did not mail the writ until XXXXAll other debts have been settled, or are actively being negotiated.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MD)

PNC accepted a {$2.00} charge and charged me {$36.00} overdraft fee 5 days later even though a cash deposit was made, they will not refund this. I have been trying to close this account and forgot to unlink one past account. PNC is not assisting in allowing me to close the account either. This is very dangerous territory to be scamming customers in. PNC is constantly trying to scam its customers and they should be in jail.
Consumer complaint received 2021-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, Al XXXX for over 10 years. Never have I lived in XXXX XXXX. I believe this is fraud from a family member. Please see idenity theft report. Enclosed and my Alabama drivers license. Please remove XXXX / XXXX XXXX This is not my Debt!