davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Previous disputes with CFPB against Equifax where I supplied ALL the documentations they requested regarding an inquiry that was fraud on my credit file. Equifax response According to CFPB complaint # XXXX and complaint # XXXX NON REPORTING DISPUTES Inquiry : XXXX XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE BUT THE XXXX XXXX XXXX XXXX XXXX IS IN FACT STILL REPORTING. I AM GOING TO SUE EQUIFAX. Also the initial investigations TOOK WELL OVER 30 DAYS TO RESOLVE. They'll be hearing from me in court.
Consumer complaint received 2021-08-17
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)

i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies XXXX, experian and XXXX  are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX opened on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was a victim of online theft where a seller promised to sell me some expensive XXXX  cards. After I made the payment, I was immediately blocked. I found out later that day that the individual has done this on multiple occasions where they actively stole money from other XXXX  collectors. I made a police report as soon as I found out this info. I talked to them and have a case number. I have an active case with a detective looking into it. The officer I spoke with told me that with the evidence I have shows without a doubt that this is intent to deprive money from an individual. Of course my claims were denied eve though I showed them all of my evidence. This is an ongoing criminal case and I am waiting for the detective to review my case.
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (AZ)

Called and left this voice mail to myself, mother, father and sister This message is intended for XXXX this is XXXX XXXX contacting you in regards to your claim being filed in XXXX XXXX by law I do have to make you aware ma'am that once your claim claim number XXXX XXXXXXXX is filed it becomes a matter of public record and there will be an order of location issued out for you since I was unable to reach you by phone I've been instructed to contact your employer and speak with your supervisor because it looks like that might be her likely place location you do have the legal right to contact the proceedings office handling your claim however you would need to speak with them before your claim is filed once the claimant this is discharge from their office all of your legal braids will be forfeited the phone number provided for that legal department is XXXX and the file number that you'll need to reference is XXXX this is considered a legal notification by telephone for XXXX and he will be located most were told otherwise
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

I disputed this alleged medical collection debt # XXXX on XX/XX/XXXX Holloway Credit Solutions Responded to me yet they did not send enough proof to verify this debt ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) informed consent for medical treatment and ( b ) financial responsibility agreement, signed by The alleged original creditor XXXX XXXX XXXX XXXX and XXXX XXXX , ( 2 ) a copy of all actual bills sent from The Alleged original creditor XXXX XXXX XXXX XXXX to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX to the alleged listed original creditor XXXX XXXX XXXX XXXX, ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved and ( 6 ) Proof that this debt was an alleged the account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset accounts.

This alleged Debt Collection Agency sent me a medical bill and that is all. I Need this debt deleted until the requested documentation is received by me
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently sent a letter requesting validation pursuant to 15 USC 1692g of the account with XXXX XXXX I'm allegedly obligated for that I do not believe is mine. I sent the following letter on XX/XX/2021 alongside a cease and desist, and received no response. I also sent it via certified mail ( which notified me it was received at the location ) with a return receipt and In the letter I stated " If your office fails to respond to this validation request within 30 days from the date of your receipt, all your references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. '' I noticed on my credit reports this account is also appearing false and misleading which is a violation of Section 807 of the FDCPA, the date the alleged account was opened and last reported is not the same on all three of my reports.
Consumer complaint received 2021-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have a hard inquiry on my credit report from Capital One Auto Financing from XX/XX/2019. 

I did not contact Capital One about auto financing and therefore did not approve an inquiry into my credit file and I need this removed immediately.
Consumer complaint received 2022-08-15
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

What the XXXX is going on? I sent you my dispute letter on XX/XX/2021, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. you been ignoring me huh. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors yall reportin but youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

i contacted transunion recently informing them of the information below provided to the CFPB by the company XXXX XXXXXXXX XXXX XXXX Company 's Response Please be advised that XXXX  XXXX XXXX XXXX has closed this account in our office. We will submit a request to the credit bureaus to have this account removed from the consumers credit report. Please allow at least 30 days for the removal to reflect on the consumers credit report. Thank you, XXXX XXXX XXXX XXXX XXXX 

complaint ID with CFPB : XXXX I then requested transunion to delete this information from my consumer credit profile but they refused to delete it. 

item to be deleted is : XXXX XXXXXXXX XXXX XXXX {$2000.00} - - - Address XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$2000.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$2000.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Consumer complaint received 2021-08-16
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. (VA)

Hey what the XXXX is happenin? I was told that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, i sent you the letters on XX/XX/2021 its almost 3 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2022 I received a charge statement from XXXX for {$75.00} which was charged to my PayPal account on that same day. The charge by XXXX was not authorized by me. I immediately contacted PayPal to complain about that charge & to have it removed. Subsequently, XXXX informed me that the subscription was cancelled as of XX/XX/2022 but no credit was issued. PayPal notified me today that it is denying my credit request because I did authorize that charge! 
At around the same time last year, I sought to purchase a PC software from XXXX which was supposed to cost {$45.00}. However, because the keys to download the software was not correspondingly sent, I demanded that XXXX cancel the purchase & to credit my account. Furthermore, I was also very much concerned that granting XXXX access to my PC could be detrimental to my machine. I subsequently received confirmation by XXXX XXXX that it cancelled the subscription & that it had credited my account for {$41.00}. However, such credit was never actually given, and Paypal concurrently denied me the credit as well. 
While denying my request for credit, PayPal did also stipulate the following : " We've now cancelled this agreement for you to prevent any other unwanted transactions ''. 
Accordingly, PayPal could not at this time again grant a billing charge to XXXX pursuant to its aforementioned claim. Additionally, there had not been any alert by XXXX that its alleged ( but negated subscription ) was forthcoming in almost a double charge. I did not authorize XXXX nor PayPal to place such a charge on my account. This whole transaction by XXXX on collaboration with PayPal is a fraudulent one. Since this unauthorized charge by XXXX, my PayPal closing balance went from {$5100.00} to an updated one of {$5100.00} ; the increase reflecting that {$75.00}. 
Unfortunately, the current Annual Percentage Rate ( APR ) on this account is a whopping 24.24 %. Any fraudulent addition to my current balance has enormous financial consequences and can not be tolerated.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX. I have had perfect history with paying my credit cards. Capital one bought my XXXX XXXX card from XXXX XXXX and I tried to make a payment. The bank account from XXXX did not transfer to capital ones payment process. I or a agent entered the bank account for capital one. Business as usual so I thought and co to ued to pay my account. Well I never received a notice that funds.never went through. I finally saw on the statement that there was a.late.fee. I called and the agent said there was the wrong bank account number in the system and she changed it correctly. Capital one reported me anyway unfairly. My credit score went down. First negative thing in my credit report in twenty some years. This is unethical treatment of a consumer. I did not ask to have capital one buy my XXXX XXXX card and screw up auto payments etc. I have never missed a.payment anywhere for twenty years. I tried to pay.and the wrong bank account was entered. This was immediately taken care of.and paid off thereafter. Please help me fix this in my credit report.
Consumer complaint received 2023-09-18
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

The bank blocked my checking account because of a fraud trigger caused by me trying to make my first XXXX transfer, and they want to verify me by a number that will match my name in public records. No, not the number that was fine when I opened the account. but there is no number in public records in my name. this is an absurd way of verifying and no other bank does this. 
Letting me open an account and depositing and then blocking me and keeping it from me is called a scam! 
I am not the only one with this complaint, I have read online TENS of such reviewis with this same issue - even with costumers as long as 20 years. 
This is absolutely ridiculous and not fair at all.
Consumer complaint received 2021-09-09
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (FL)

XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2021-07-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (OH)

A savings account was opened at a Navy federal credit union by someone whom stole my identity.To be a member of NFCU You must be current/former military and or be sponsored WHICH MEANS THIS PERSON CAN BE TRACKED DOWN.They also open account without verifying just whom a person really is, meaning the account was opened online with NO SS CARD AND A ACCOUNT ASSOCIATE STATED NO PICTURE ID. 
That is very disturbing and ONE SHOULD HAVE TO SUBMITT PHOTO ID, of AND SS CARD # .They also claim im not entitled to any of the documents used to fraudulently open the account the LAW SAYS DIFFERENT THAT I AM ENTITLED AND I am the victim being treated like XXXX.When there business practice in opening accounts is questionable at best. 
I may have to hire a lawyer im afraid as i want answers as per how this was done. 
My wallet was stolen bout 5 years ago by a former XXXX veteran but we could not prove it..NFCU may posess A ID with the man whom stole my wallet at work we could not prove he did it but we knew he did it.