davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX has illegally re-aged this account and is in violation of the Section 623 ( a ) ( 5 ) of FCRA. 

In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action In the written statement XXXX  XXXX XXXX sent to CFPB, they state that the original date of Delinquency is XX/XX/XXXX but in my credit file they are listing XX/XX/XXXX. This is a clear illegal attempt to reage and a blatant violation of my rights. 

Also, XXXX  XXXX XXXX did not follow federal guidelines and report this debt to the credit agencies within 90 days. XXXX XXXX XXXX did not report this debt until XX/XX/XXXX which is another violation. 

This debt needs to removed from reporting. XXXX  XXXX XXXX has lied multiple times about the validity of the information they are reporting. This debt can not be reported by any agency due to the multiple inaccuracy and the failure to properly verify the debt.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions. (CA)

Hello, I received a letter in the mail from Fbcs consumer contact solutions. The letter stated that if I paid XXXX dollars they would wave the rest owed and settle my account. This did not happen so I tried contacting them 3 different times. Once by e-mail on XX/XX/2021 requesting a call back an an explanation as to why my account was not settled. Second attempt was by e-mail and phone on XX/XX/2021. The person who answered the phone told me I would need to contact a different department and leave a voicemail with my account number, name, and that Id like a settlement letter e-mailed to me. Third attempt was the same day XX/XX/2021 leaving a voicemail with requested information. 

I did not receive the requested letter in the 48 hour period mentioned it took on their voicemail. I did however receive a letter dated XX/XX/2021 showing a balance minus my payment amount. 

My belief is this company scammed me out of money with XXXX intention of settling my account like they said they would. I have tried twice with one credit bureau to have the status corrected and each time it was denied saying the amount owed is correct. 

I do not know what else to do to resolve this issue at this point. If I were scammed by this company I feel its important to report them so they are unable to continue to do it to others.
Consumer complaint received 2021-07-07
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: Upstart Holdings, Inc. (IL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MA)

CFPB I am writing again do to Elain Financial Services none compliance with the Fair Credit Reporting Act and violation of the FCRA after I have provided them with as requested supporting documentation multiple times for a error with my XXXX payment. Elain Financial Services has fail to remove inaccurate information on my account for the XXXX due to and error in the system not caused by me. I am not sure how this error happened or occurred. Its not right or fair that I continue to be penalized for this error that has occurred on my account. I have provided as requested by Elain Financial Services proof of my Citizens Bank Checking account statements clearly showing payments made and received on time to Elain Financial Services for XXXX, 2020. Elain Financial Services stated in their response to me that my payment was returned from Citizens Bank CFPB I have provided supporting Citizens Bank statements clearly showing payment made and received on time to Elain Financial Services for XXXX. CFPB please note that my Citizens Bank statements clearly dont show any returned payments to Elain Financial Services for XXXX. For this dispute I have provided additional to Elain Financial Services from the same Citizens Bank account for XXXX, 2020 to show that their was not returned payment to Elain Financial Services for XXXX. CFPB please also note the balance for XXXX in my Citizens Bank checking account for XXXX, 2020 which I have highlighted and circle {$12000.00} and a balance of {$14000.00} for the month of XXXX. As you can see there was more than sufficient funds in my Citizens Bank to cover my payments to ensure no payments returned to Elain Financial Services for XXXX. Again this was and error in the system and should be corrected immediately. 

CFPB this not right or fair that I continue to be penalize for and error that I dont cause, its also not right that Elain Financial Services continue to not correct this error. I have been a happy customer with Elain Financial Services for over seven years and have never missed a payment with this account.
Consumer complaint received 2020-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Dear Consumer Financial Protection Bureau, I was a victim of ID theft back in XX/XX/2019 XXXX see attached Police report and credit alerts ). I went through great lengths to have remove multiple fraudulent hard credit inquires removed from my credit report. My line of work requires accurate credit report and I deeply value it to be accurate. 

Attached is my call log, letter to creditor, and documentation from XXXX on the number of calls I made. A consumer should never have to go through great lengths to get a fraudulent activity removed from their credit report.
Consumer complaint received 2020-04-29
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: ENCORE CAPITAL GROUP INC. (TX)

I have contacted Midland Funding, XXXX, XXXX, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with Midland Funding is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recently I've noticed that I have been charged {$25.00} from my checking account and {$8.00} from my saving account for a maintenance fee every month from the Bank of America. I went to the XXXX branch of the Bank of America and they informed me this has been going on for about 7 years. They said that I needed to keep a minimum of {$10000.00} in the account to avoid being charged, but I remember when I opened my account the minimum was {$1000.00} or {$2000.00}. I was not informed of the conditions changing. In these 7 years I have not received mail or paperwork informing me of these charges. I understand everything has gone paperless and became automatic transactions, and I haven't been scrutinizing and checking my account because I trust my bank. I feel as if being charged for something like this is like an indirect way of being told my account and buisness is not important to the Bank of America, and if they did not find it important I should instead be sent a letter to close my accounts instead. I don't think this is a fair way to be making money from me. XXXX branch helped a lot, but they are unable to go through the system and return my money. They suggested I call Bank of America directly but still my issue is not resolved and not a single penny of my money has been returned.
Consumer complaint received 2022-07-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 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 2020-04-29
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: EQUIFAX, INC. (TX)

I have contacted XXXX XXXX, XXXX, Equifax, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2023-04-05
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)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/22, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX XXXX, Transunion, XXXX, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (CA)

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2019-03-23
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. (NC)

I recently obtained a copy of my Equifax Credit Report and notificed that inquires disputed had in fact been deleted confirmation number XXXX and XXXX but today I pull my credit and see where all the inquiries removed have been added back to my credit report and I wasnt provided any notice that they would add back please see attached proof that the inquiries were deleted and have been readied .... in addition a previously disputed collection item with XXXX XXXX XXXX account number XXXX disputed on or around XX/XX/2018 was deleted and communicated to CFPB Under report number XXXX however the account has now been reapplied to my credit report without noticed to me if the item was incorrect and unverifiable then it is also inaccurate and unverifiable now please see attached proof it was previously removed
Consumer complaint received 2019-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (MD)

XX/XX/XXXX : I notice my online bank account/ was not functional for me to view my direct deposit so I called the bank and that is when I found out that there was a write of garnishment of property on my account. 
I called XXXX XXXX XXXX  and spoke to a women who answered the phone and took my up to date information and I ask her why didn't they go thru my job with XXXX which I've been employed with for the past 29yrs she said they couldn't locate me and I said to her well you found me at XXXX XXXX XXXX XXXX and I haven't work their in over a year and that was a part time job for garnishment. 
XX/XX/XXXX : I went to the court house in XXXX XXXX County House I was appointed to court attorney explain to them ( her ) that I didn't know a third party could block me from debit money from account to pay my bills or just debit any money out ... .but when the attorney ask me to get a copy of the case that was filed this affidavit was served on XX/XX/XXXX to the address of XXXX XXXX XXXX  XXXX XXXX XXXX  MD XXXX ... I was living in XXXX Va. XXXX XXXX XXXX XXXX from and now they want to try and collect the initial amount and 9yrs of interest I didn't find it in my last year credit report I requested another I really don't believe this my account I just do not remember it if this is why wait so long and why not for thru my job where I've been employed for the past 29yrs? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money had to change bank accounts for this past direct deposit. 
I'm not for sure how much there buyers bills is there was no negotiation what so ever I'm XXXX.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Im a customer of Capital One Quick Sliver and Walmart card. Ive had my QuickSliver card about 5 years. Walmart 3 years total credit limit for both cards are {$1100.00} which is very low considering my other accounts which are as high as {$7000.00}. Ive asked for credit increase and Im told Your recent credit line usage is too low when I go to solutions, Im told do the following .To receive credit line increase in the future. Be responsible using your card, set up auto pay get notifications so you know when your payment is due and make more than the monthly payment. I have all the above also my minimum Monthly payment is {$27.00} I pay {$100.00} or more. In the past year Ive paid capital one over {$4000.00}. Tell me how thats too low, considering Ive asked when Ive had a balance of {$400.00} and my recent credit line usesge has been too high! Between both cards Ive given Capital One over {$4000.00} in the past year not including past. I even continued keeping my cards active when Capital One for whatever reason, which had never been clearly explained remove my Quick Sliver account from all the credit bureaus and it took me a year to have my account put back on all three credit bureaus. That cost me points which adds up to money as far as interest.I lost points due to Capital Ones fault. Ive never once been late my credit score is almost exceptional. I cant continue having a relationship with a corporation that slaps good standing customers in the face. Ive continued to give Capital One chance after chance. Last month XXXX I had a balance for {$270.00}. XXXX I was out of state on business and didnt pay my account off before it was reported. I lost 9 points, as soon as I received the notification from the credit bureaus I paid the amount off in full. My credit score went up 7 points. If Capital one cant raise the credit limits I will have no choice but to close both accounts. I want to know what Capital One expects. Ive been told through customer service that I dont pay enough and I dont pay interest and Capital one has denied my request because theyre picky. Really? Someone that has good credit makes more than the monthly payments, never late isnt good enough? Remember, Im being turned down because My recent credit usage is too low over {$4.00} between both cards in a year is too low. Whats the magic number.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

To whom it may concern, I have 2 separate complaints. XXXX for XXXX   and one for experian. 


XXXX  : Has not updates my score since 2019. No information on this report is accurate and it shows my score as a XXXX almost XXXX points less than XXXX  or Experian due to the bad information on the report. I reached out to them via email and have not heard back. They dont take calls. 

Experian : Does not let me dispute items on my report due to previous disputes. However I have a valid reason to file a dispute for the item I am trying to and they refuse to let me file the dispute. The information is not accurate this account was paid directly to the lender and resolved.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX credit Report of XX/XX/2019 derogatory remarks removed by XXXX with the communication of XXXX XXXX XXXX. 
I marked with word of delete for Credit Reporting agencies to delete negatives and for evidence for XXXX that negatives of my Auo loan # XXXX was removed by XXXX. 
XXXX administration made communication with XXXX to delete derogatory from my credit Report for XX/XX/2019.
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I was fraudulently charged {$210.00} by " XXXX * XXXX. '' I informed Chase of the charge, and they reversed the charge and issued me a new card number. However, on XX/XX/XXXX, Chase re-charged me for {$210.00}. I called Chase 's fraud department on XX/XX/XXXX who informed me that " XXXX * XXXX '' provided proof of purchase of an " oil pastel. '' Chase requested that I provide " proof '' that I did not make this purchase, so I provided an Identity Theft Report from the FTC and awaited follow-up. 

On XX/XX/XXXX, I received written correspondence from Chase that they still believe the charge from " XXXX * XXXX  '' is valid. I have called and left messages at " Senior Specialist '' XXXX 's number without response. Despite repeated attempts at informing Chase that I did not initiate or approve of this charge, they are still billing me for it.