davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (CA)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

According to capital one in making institution stated that I had several charge backs which came from reporting to the fraud department that I did not authorise specific charges in return the policy stated that I would get a phone call back from investigator and that a temporary credit will be placed on the account if it did not rule in my favour the money would have to be debited out of the account and Would be taken away from balance. Nobody ever contacted me from the investigations department and usually the money was approved and placed in my account without any problems. How 4 months after this happened while XXXX set up a personal account with XXXX XXXX and was brought to my attention that there was a reporting issue were capital one sent me over to XXXX XXXX in order to a retained some of their money. Have brought this to the attention of various supervisors and agents and also reached out to XXXX XXXX  there were tw o reports that were submitted to them and one in favour of the bank But when I was able to advise XXXX XXXX they should look into further and I was able provide As of now XXXX XXXX is consistently asking for a report and no resolution has made this is a great hindrance because as of now I have lossed several thousands of dollars and have not been able to recover from it due to the fact of not having a bank account Capital one can agree that I called in several times and also would have to try to resolve this issue I don't feel I have to pay the balance that is set forth due to the fact that they investigators agreed to give me my money back without any further questions
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: Experian Information Solutions Inc. (NC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

EXPERIAN : XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} XXXX XXXX XXXX. XXXX XXXX XXXX : {$8500.00} XXXX. XXXX XXXX XXXX : {$4200.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX XXXX XXXX : {$2600.00} XXXX. XXXX XXXX XXXX : {$3100.00} XXXX. XXXX XXXX XXXX : {$1200.00} XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX. XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$8500.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3100.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00}
Consumer complaint received 2022-07-25
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. (CO)

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Bank 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 2021-08-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation (NC)

The company is Regional Finance.I paid my debt in full on XX/XX/21. I had to wait 10 business days before a written letter from this company would email and/or mail out to me a letter that this account is satisfied. I have called twice and it is repeated to me, " its in the mail ''. Please assist with me obtaining this letter. This loan is paid in full. I would like to submit the letter to the three credit bureaus. Thank you
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (FL)

on Friday XXXX XXXX  XX/XX/XXXX, I receive a call from my lobby saying a unidentified gentleman is here to " repo '' my vessel. I let them know Im on my way down to see what the matter is as well as who this main is and what he claims. The receptionist then tells me he has already trespassed on the property to private storage of my vessel. He does not disclose how he is or who he is representing, later validates he is contracted with NAVY FEDERAL CREDIT UNION.Showing only an order with my personal sold information and dwelling. I decided to call the police ; as we went over these matters, the man proceeds to trespass into car storage with tow truck. After standing my ground to my proven claims, he then leaves as well as XXXX Police this man nor company has any contracts with myself nor this vessel. I still have not received a response from CEO XXXX XXXX or Chairman XXXX of NAVY FEDERAL CREDIT UNION. I feel threatened as well as pain from the injuries this man has caused. Under FDCPA 809B,806, and 807 they have violated my consumer rights and rights under the Articles of Confederation. In addition, using harmful and illegal debt practices under 15 USC 1692. I am handling all civil affairs as needed but I will not tolerate this. XXXX XXXX XXXX this same man is snooping around the property.
Consumer complaint received 2021-12-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX   2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IA)

US BANK allowed a debit transaction to process when there wasn't sufficient funds in the account to satisfy debit amount, without my permission. The consequence being my account being overdrawn. To which US BANK promptly added a overdraft charge of {$36.00}, a maintence fee of {$14.00}, and {$.00} service tax. When I contacted customer service, demanding a reversal of charges because I did not authorize said transaction. But also, US BANK should protect their clients accounts from such transactions is their are insufficient the in the account. Instead, US BANK designs their mobile app to have a default setting ALLOWING transactions to complete WITHOUT SUFFICIENT FUNDS. The support rep explained that I could change this overdraft setting, if I preferred. But nowhere, on their app or website, does the bank inform their customers that there is a setting for overdraft permissions and that it's default setting is in " allowed overdrafts '' mode. 

. This obvious fraud, as in the bank 's monetary gain from overdraft charges in the amount of {$36.00} per overdraft, needs to be addressed immediately. THIS IS OBVIOUSLY INTENTIONAL in order to financially gain from overdraft fees and FRAUD.
Consumer complaint received 2020-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Due to the recent Cares Act, XXXX XXXX improperly entered in the wrong code and as a result it dropped my credit score at least 40 points, which it is currently at XXXX from what TransUnion, XXXX, and XXXX  XXXX  are reporting. I contacted XXXX XXXX and TransUnion regarding the matter on XX/XX/2020. XXXX XXXX informed me that they had already sent off the updated information to the credit bureaus and that it was up to them to update the information. However, when I called TransUnion they couldn't give me any information regarding the recent change in my credit score and attempted to have me dispute it, but I was unable to check the status of that dispute due to their website having issues with my account for some reason. I tried contacted both parties again today ( XX/XX/2020 ), however again I wasn't provided any clarity regarding the matter.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2021 there was a fraudulent XXXX charge put on my Bank of America visa credit card account. Bank of America said that XXXX sent them documentation that an authorized user on the account made a purchase and it included an order number, item number, and USPS tracking number. The only authorized user on the account is my wife and she did not make this charge. The day before my wife charged some clothes over the telephone using that card. She gave her name, address, and credit card information over the phone to an order clerk. I believe that information was used to open an XXXX account to make the order. I sent a police report, the reporting officer 's name and phone number, the police detective 's name and phone number that is on the case, and the USPS Postmaster 's statement that the item was delivered to a different address, but in the same city. I included the Postmaster 's name and phone number also. I have called the Bank of America fraud line numerous times, waiting on hold from 15 to 45 minutes each time, but get a different person every time and get nowhere with them. This has been going on for over two months and I'm feeling helpless trying to get my money back.
Consumer complaint received 2020-07-08
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)

There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX TU ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX XXXX I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( TU & XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( TU, XXXX XXXX ) The following account is the result of Identity Theft : XXXX XXXXXXXX  - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( XXXX   & XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) Bal : {$0.00} XXXX XXXXf XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX   & XXXX ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$2800.00} XXXX XXXX XXXXt ( XXXX ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$130.00} XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( TU ) XXXX XXXX - XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries XXXX XXXX ( 6 times ) XXXX   ( 2 Times ) ; TU ( 2 Times ) ; XXXX ( 2 Times ) XXXX ( XXXX ) XXXX XXXX ( TU ) XXXX ( 2 TIMES -TU ) XXXX   XXXX ( TU ) XXXX XXXX ( TU ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First National Collection Bureau, Inc. (FL)

Today XX/XX/2022 I was contacted via text from XXXX XXXX XXXX. They said they were reaching out in regards to a collection with no information about the collection with a reference number, and then provided a different number to call regarding the collection that phone number is XXXX XXXX. Theyre referring to the reference number of XXXX. 
I have no knowledge of this collection reference number or account they are referring too. They also provide a website at fncbinc.com. At this time I believe this is a fraud collector, and would like to report this organization. They also misspelled my name.
Consumer complaint received 2021-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I was mailed a letter that was predate XX/XX/21 from Midland Credit Management that arrived at my house on XX/XX/21 telling me I had till XX/XX/XXXX to accept their terms on a debt from a credit card company they purchased the debt from in the amount of XXXX. All it states is that it was purchased from XXXX XXXX and I had two options offered to me to close out this debt to them. 
At no point have I agreed to or signed any contract with this alleged debtor. I am filling this complaint as I have been no validation of this alleged debt. I have not been shown proof where I have signed any agreement or contract with this company. I have not been given reasonable time to respond. I have not been given a reasonable offer. 
I am also a XXXX veteran having served during the XXXX XXXX and do not appreciate these predator tactics while people are trying to get back on their feet during COVID. I expect respect and decency from this company and also my rights to be respected and followed!
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-12-30
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. (AL)

I requested that the credit bureaus to re investigate each account listed for the completeness and accuracy of the list of accounts below on XXXX 

According to the FRCA the term investigate 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. 

On XXXX they responded that my accounts were verified and 100 % accurate but how is that possible if they didnt do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have attached my latest credit report as proof. 

Accounts : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion website at https : //www.transunion.com/ blocked me from logging in. So I called in and pressed 1, and asked for my username and password. A XXXX  woman issued me a temporary password and told me to wait 10 minutes. After waiting and attempting to log in the password did not work. I called back again and the same thing happened again. Someone with a thick accent gave me a temporary password and it did not work. They kept giving me passwords that did not work no matter what.
Consumer complaint received 2021-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit continues to call from various numbers. I do not have an account with them. My wife does. They started calling my daughter as well. The calls are coming 2-3 times a day from multiple numbers and to my work phone which has been affecting my job. Theyve been calling constantly for the past few months as recently as yesterday XX/XX/21. Ive blocked numerous phone numbers and they just come in through several others from MI, CA, MN. 

This was for some debt my wife has and I made an arrangement with them ( on my wifes behalf ) to pay it off but they did not continue after the first payment. Im not responsible for them breaching that agreement and I will not reauthorize. Yet they continue to call daily and even on weekends. I would like this to stop immediately. Especially since its not my debt to begin with.
Consumer complaint received 2021-08-21
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: LEXISNEXIS (FL)

I obtained my LexisNexis Consumer Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my report. I never gave LexisNexis any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I wrote LexisNexis and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer.

I also sent LexisNexis a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW