davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
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. (CA)

Transunion did not properly investigate my dispute that I placed through the CFPB, regarding of XXXX XXXX XXXX being in my credit report. They took only a week to investigate this, without taking my identity theft fraud in consideration. I have reported this company previously to Transunion. I do not know who XXXX XXXX XXXX is and have never had any dealings nor financial dealings or interest with that company. I had reported that company as fraud over 6 months ago, to Transunion, and they removed the company and now they have allowed the company back on my credit report. Transunion is also aware that I am a victim of identity fraud and they have this alert notice on their records and still allowing fraud accounts on my report. Therefore, I want Transunion to remove the company and the charge of {$76.00} from my credit report. The charge does not belong to me and I have never had any dealings with this company.
Consumer complaint received 2019-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Kohls Department Store charge card. I have tried several attempts to get Kohls to remove 2 late payments from my credit report under Humanitarian illness, which would rehabilitate my account. I sent in documents showing I was out of work do to XXXX. I XXXX XXXX XXXX and had extensive XXXX to put in a metal plate and screws. I work customer service, 8 hours a day 40 hours a week. I was off work for almost 4 months going through extensive rehab. I understand policies but Kohls under these conditions and by law should be able to remove and rehabilitate my account to remove delinquencies do to these reasons. I have never asked for them to do any of this before. I am feeling discriminated because of an I jury that prevented me to work. The only time since I had the account in XXXX, I was ever late was XX/XX/XXXX and XX/XX/XXXX, which were during the injury downtime. I ended up paying in full my account.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX XXXX XXXX   {$2800.00} XX/XX/XXXX synchrony networks {$2000.00} XX/XX/XXXX XXXX  XXXX  {$3300.00} XX/XX/XXXX Remove from all 3 credit reports
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2019-10-24
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. (CA)

This is my third complaint with the CFPB and my 10th+ Dispute Request to Experian to correct my secondary address. My secondary address come up on my report various time and not a single one was correct. I provided the correct address but instead of correcting it, Experian DELETED IT!! I contacted Experian and requested that my address be correct and they refuse to correct it. My secondary address is on XXXX XXXX XXXX. and it needs to be on my report.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/19 I received a notice from XXXX XXXX XXXX that my car payment had bounced. I know that there was plenty of money in that account. I called XXXX to see what was going on. They informed me that Bank of America had frozen my account. This was news to me. 

I called Bank of America to see what was going on as I had received absolutely zero communication about this. They informed me that I, the person that opened the account and the only person who uses it, was not authorized to even find out why my account was frozen. My wife, who is on the account but has literally never used it, had to call a number that the BoA rep gave me and give the reference number. 

My wife calls the number, that I verified with the BoA rep, and gets something about cruise lines. I dont know if that was some prank by the BoA rep but Ill move on. My wife then calls the main BoA number and gives them the reference number. They are unable to find this. 

After another hour or so of my pregnant wife calling seemingly every published number for BoA we get to the bottom of it. Bank of America froze my account causing my car payment, student loan payment, and BoA credit card payment to bounce. All because they could not verify an address for my wife. 

My wife knowing that there are protocols and legal requirements in her own field concerning due diligence regarding contact attempts asked what steps BoA had taken before freezing my account. The astoundingly unacceptable answer was that they had sent one letter to this unverified address. No calls, no emails, not even a second letter to the verified address that every other piece of correspondence from BoA goes to. 

In summary, Bank of America froze my account causing payments to bounce incurring late fees and affecting my credit score for the dumbest reason imaginable. This in itself Im not even that bothered by. They might have a good reason. They probably would say that Im not allowed to know why but Ill give them the benefit of doubt. What is so egregious is that they made almost no effort to contact me and the only way I found out that anything was wrong was from a different company altogether. They have my address, phone number, email, even my social security number. They can contact me easy as can be. They made the choice not to. This is wholly unacceptable.
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO (VA)

Good afternoon! 


SUBJECT : FOLLOW UP COMPLAINT # XXXX BANCO POPULAR OF PUERTO RICO DEPARTMENT OF CREDIT CARDS VISA ICON, ACCOUNT # XXXX XXXX XXXX XXXX As I informed you in the complaint mentioned above, I called Banco Popular Dept .  Credit Cards for the first time on Tuesday, XX/XX/XXXX due to that I couldn't access my account through the computer since XXXX. On that day I spoke with Mr. XXXX XXXX, credit cards supervisor, ( telephone number XXXX XXXX XXXX XXXX ext. XXXX ) and he informed me that he didn't know the reason why I couldn't access my account. He also informed me that the card had be frozen due to a charge made by XXXX XXXX on Wednesday, XX/XX/XXXX in the amount of {$680.00}. I explained to Mr. XXXX that I did not recognize the company nor the amount and that I was objecting the charge ( complaint # XXXX ) because I couldn't access my account through the Internet or through the customer service department. 

I searched on the internet the regulation the FDIC implements in regards to responding a complaint and their regulation states that the banks have 60 days to respond. I have tried to establish an effective communication through two complaints, speaking to XXXX XXXX in the collection department and, with customer service through phone calls to solve this issue with no results. ( SEE ATTACHED DOCUMENTS ) I also have tried to get in contact with the XXXX XXXX  but there is no such company and Banco Popular already knew that. 

It has been 160 days since the first claim and I have not received any type of notification to eliminate said charge and correct the Credit Score. This is adversely affecting my credit score and my image because on Monday, XX/XX/XXXX I went to an Auto Dealership to buy a car and I couldn't because I was informed that I had a Fraud Alert and a delay in payment on a Credit Card that affected significantly my Credit Score. Obviously, I could not get the car.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}
Consumer complaint received 2021-10-28
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. (OH)

On the XXXX of XXXX, 2021, I sent out a letter requesting Experian XXXX and XXXX XXXX XXXX XXXX to validate a medical collection item for {$380.00}. 

In response to this letter, the collection agency ( XXXX XXXX XXXX ) responded with a debt collection letter as well as a full copy of the bill with a full description of the services provided to me without proof that I signed an agreement to release my information to them. 

Experian XXXX sent a response stating that " the company that reported the information has certified to Experian that the information is accurate ''.
Consumer complaint received 2019-10-24
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. (FL)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.
Consumer complaint received 2022-07-12
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

Department of Education / Nelnet : I am no longer connected with Nelnet, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of Education/Nelnet removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. 

Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (TX)

This complaint is in reference to a letter I received from Equifax on XX/XX/XXXX in response to a complaint I submitted to the CFPB on XX/XX/XXXX. Case # XXXX. 
The letter in which is attached to this correspondence, states that they will not be conducting further investigation into the XXXXXXXX XXXX account # XXXX They also stated that the result of the previously submitted dispute will be sent in 30 days. making it a total of 120 days in order to conduct this investigation. 
Equifax is willfully violating the ( FCRA ) Fair Credit Reporting Act which clearly spells out that a credit bureau is required to respond to you and complete their investigation within 30 days. 
If they do not respond within that timeframe, they must remove the disputed item from your credit file. 
The law is in place to insure fairness and order. And this consumer reporting agency should not be allowed to fabricate their own rules. 
The response is a desperate attempt to cover up the fact that the law was broken. 

Equifax is one of the most unethical companies I have ever had the misfortune of dealing with. They have failed to validate their claims of reasonable investigation since my initial request. 
This behavior is a direct result of big companies outsourcing cheap labor and leaving the American people in the hands of undertrained and incompetent people with very little respect for the regulations set forth by our federal government.
Consumer complaint received 2021-11-10
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: DISCOVER BANK (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVER FIN SVCS LLC XXXX Balance : {$19000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, this is still some accounts on my report that is false and was resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

During late XXXX, early XXXX of 2021, I telephoned XXXX XXXX XXXX about my personal credit card. My account was previously 60 days past due because I experienced medical issues that I had to shift my monies to ; however, I called and fully explained the issue. 

The representative ( lady, which the call can be replayed ) advised me that I had up until the last day of XXXX to make a payment then my account would be up to date. She later stated once I make a payment of {$160.00} in XXXX my entire account would be up-to-date. I made the payment of {$160.00} from my XXXX XXXX XXXX account as promised. Days later, I received notice from all three major credit bureaus that my status was further delinquent. 

Since all calls are recorded, someone should be able to replay the entire conversation.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I would like to present my right to rescind the transaction for auto because I was not provided with the type of notice of my right to recession under the Truth in Lending Act ( TILA '' ), 15 U.S.C 1601 et seq., that is required by the Federal Reserve Board. I reserve all rights to raise additional or alternative grounds for rescission under state or federal law. I exercise my right to rescind pursuant 15 U.S.C 1635, and Regulation Z, 12 C.F.R. 1026.23. This rescission is effective as to all aspects of the transaction, including all document signed in connection therewith, and automatically and immediately places the parties I the status quo ante, i.e., in their pre-contractual positions, before the transaction was entered. I understand that Bank of America have 20 days after receipt of my letter to return all my monies paid in the transaction and to take any action necessary to reflect the termination of any security interest created under this transaction. Per 15 U.S.C 1640 ( a ) States " if you do not cancel the security interest and return all consideration paid within twenty days of receipt of letter, you will be responsible for actual and statutory damages. ''
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNTS BELOW : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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: Sequium Asset Solutions, LLC (LA)

Hi, I originally disputed XX/XX/2022, via mail handwritten letter. I was never notified about a debt I owed with XXXX  ( Orgiinal Creditor XXXX XXXX ) Account # XXXX. I asked XXXX to verify the debt and I never received a response. I included my updated mailing address in the letter to make sure XXXX would know where to respond to my dispute. I also noticed on my credit report a few details didn't match across the credit bureaus which raised some concerns. The Date of last payment doesn't match, and the Date of last Active is different as well. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.
Consumer complaint received 2024-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (PA)

The impression Im under is my debt was already handled, if not then so be it. The issue Im having is I gotten calls from a scam number trying to get me to give them my Social Security number with this exact information. Its an old hospital bill I thought I paid thats been sold into debt collection. Somebody from ability recovery services is leaking or mishandling my personal information. ( I placed a screenshot of the scam phone number that called me. Notice it doesnt match the phone numbers for the debt collection company on the letters I received in the mail. )
Consumer complaint received 2019-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX I filed a police report in XXXX XXXX XXXX for a prior burglary of my business.  The thief had access to my personal information and my computer.  Later a charge was made using an XXXX  account for XXXX.  I have made purchases on the XXXX  website but had never used XXXX XXXX   before.  Our business, XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NV XXXX, had been closed since late XX/XX/XXXX.  I reported this transaction to my credit card bank Capital One.  Capital One refused to reverse the transaction and claimed that the person who used my credit card shipped the item to this above address and that supposedly a thief would not do that.  I told them that we have been marked as closed for 2 months so it would make sense to ship it to a closed business and wait for delivery instead of shipping the goods to the thief's personal address where the police can track them down.  I told the bank that I had filled a prior police report for the burglary and that I have surveillance footage of the incident.  Capital One stated that they do not review police reports or camera footage.  They stated that they only go by the fact that the item was delivered to an address that they have on file and that the email address matches on the order.  They refused to view the police report.