davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC (GA)

I have attempted to remove this NEGATIVE DEGATAORY ITEM multiple times as a result of IDENTITY THEFT. CREDITOR continues to verify. Attached you file the information on my credit file, additionally, the police report from XXXX that has been submitted MULTIPLE TIMES, Additionally FTC report filed. The account has been removed from XXXX and XXXX, NOT XXXX. 

GreenSky , LLC On XX/XX/XXXX, the Bureau issued a consent order against GreenSky , LLC ( GreenSky ), a financial technology company that services and facilitates the origination of consumer loans. The Bureau found that GreenSky engaged in origination activity on thousands of loans to consumers who did not request or authorize them and that the company structured its loan origination and servicing program in a manner that enabled the origination of unauthorized loans. This conduct was unfair in violation of the Consumer Financial Protection Act of 2010. The Bureaus order requires GreenSky to refund the accounts or cancel the loans of customers harmed by the conduct up to {$9.00} XXXX, implement enhanced loan authorization and verification procedures to prevent unauthorized loans from being issued in the future, and pay a civil penalty of {$2.00} XXXX. 

RELATED DOCUMENTS Consent Order Stipulation PRESS RELEASE CFPB Takes Action Against XXXX XXXX GreenSky for Enabling Merchants to Secure Loans for Consumers Without Their Authorization CASE DOCKET View case filings ACTION DETAILS Forum Administrative Proceeding Docket number XXXX Initial filing date XX/XX/XXXX XXXX
Consumer complaint received 2021-09-27
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 (NY)

Capital One Bank reported a payment 30 days late. After discussing the issue with Capital One I was assured the issue was fixed. Capital One immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called Capital One and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but Capital One never properly moved forward to do this. I was explained to twice by Capital One this would be fixed and I am running out of options to fix the situation.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act Everything Has to be 100 % ACCURATE on my credit report. 

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 date last reported is not accurate on any. This is grounds for removal. 



Also In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more then 30 days to complete my investigation which is grounds for Removal/Deletion Here are my CERTIFIED tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX
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: U.S. BANCORP (MN)

I have documentation from US BANK on an agreed payout amount. I finalized this payment in XXXX and they are still saying I owe {$6100.00} as of XX/XX/2021. I a have the agreed document and a ledger of all my payments. This account XXXX is still active when i go into USbank and its not correct.
Consumer complaint received 2021-09-27
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 have filed numerous complaints against this credit bureau on this website for the same issue that I am complaining about today and this credit bureau has failed to provide the evidence requested and or remove the item from my credit report. This credit bureau continues to state that a XXXX XXXX XXXX account number XXXX that was allegedly owned by me that it is reporting accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and I requested of them ''There Method Of Verification ''. Now they got my request for there '' Method Of Verification '' on XX/XX/2021 and the Fair Credit Reporting Act clearly states that the credit bureau should provide me with there method of verification within 15days of me making the request. Today is XX/XX/2021 and to this date I have not gotten there method of verification and this is a clear FCRA violation. They cant and or they wont provide me with there method of verification but yet they refuse to delete XXXX XXXX XXXX from my credit report when I repeatedly asked them to do so. I keep on getting letters in the mail stating that it is been reported accurately but no method of verification is sent. 
The method of verification should entail : a ) The description of the procedure used to determine the accuracy and completeness of the information. 
b ) Name and address and telephone number of each person contacted regarding this alleged account. 
c. ) A copy of any documents bearing my signature showing that I had any form of banking relationship with this bank and the true status of that relationship now and then. 
d ) No E-Oscar response but a valid investigation was what was requested To this day no method of verification has been received by me and this is a clear FCRA violation.
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp. (CA)

Absolute Resolutions Investments claims a right to collect a debt from me of {$3900.00} and a right to report bad credit to my credit reports.. 
On XX/XX/XXXX they broke the Fair Debt Collections Practices Act by discussing my credit reporting while trying to collect, something the Consumer Financial Protection Bureau warned them in XX/XX/XXXX. My CA-DOJ registered XXXX XXXX XXXX XXXX XXXX under my Power of Attorney was told, " If you are looking for a deletion I would start by paying in full '' instead of the 75 % off they were willing to settle for if I did not want credit report deletion.. 

The company is also violating the CA Consumer Credit Reporting Agencies Act with inaccurate reporting on my credit reports regarding the account " date opened '' and the " date of last activity '' with XXXX, the original creditor they say they bought collection rights from.. 

Finally, XXXX previously sold my defaulted debt before it defaulted. XXXX makes offers of debt sales on their website and reports the sales to the XXXX XXXX XXXX XXXX XXXX, it is all public information. This means Absolute is lying and trying to defraud me with a claim of rights to collect. I am sure that Absolute commits this fraud on many Calif consumer, they even file lawsuits with no standing to convey to a CA court of law = Abuse of Process, Abuse of Court Process, Undue influence, Unfair & Unlawful business practices, fraud and more. PLEASE CONTACT ME BY EMAIL FOR EVIDENCE OF WHAT I JUST SAID.. 

To the best of my knowledge the above is true. 
XXXX XXXX
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-09-27
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently reached out to Transunion numerous times about unauthorized inquiries as well as reach out to the companies in regards to these unauthorized inquiries. Transunion has not provided a resolution to the following 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
Consumer complaint received 2021-09-27
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: ENCORE CAPITAL GROUP INC. (NY)

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The information that is providing on my credit report is inaccurate and goes against the Fair Credit Reporting Act. Inaccurate information in date opened, high credit, credit limit, date last reported, comments, date of active, lastly date of last payments.
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 — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (TX)

As of today XX/XX/XXXX Santander Consumer USA is still reporting an account on both my credit report and my husband. We feel like we are being harassed by this company. We tried to fix this with both Santander and the Credit Bureaus to delete this negative item from our reports. Santander sold the previous loan to a debt buyer and continues to report negative information against us as if they still own it. Also, this loan was included and discharged in a joint XXXX  XXXX bankruptcy in XX/XX/XXXX. Santander has no record of our social security numbers in their system as if we don't exist, but for whatever reason still manages to remain on our credit report as a charged-off account for something they can't seem to locate in their system. How is this possible or even legal? Please help us with this matter because it is ruining our credit. 

Thanking you in advance.
Consumer complaint received 2022-04-22
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. (MI)

XXXX accordance with the Fair Credit Reporting act 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, 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 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

We've been trying to solve this with Chase since XX/XX/XXXX. We paid off our mortgage with Chase and had an escrow balance of XXXX  as of XX/XX/XXXX, but we did not get it back after closing. Instead, we received a letter stating we had XXXX. The money evaporated. We've requested it via email, online, in writing and the only response we've received is that they are looking into it.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filled out all of my information, then it said our system is down call a number. I call and the guy wants all of my information and he is out of the country. Then, I did again the free credit report and filled out all of my information and it wouldn't work there either. So, no credit report at all. XXXX XXXX XXXX again not working. My information is perfect and I won't be giving it to some guy in another country over the phone. This is ridiculous.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX has not reported any payments to my loan account from XX/XX/XXXX til XX/XX/XXXX. I have never received or got any notifications that credit reporting from this company had been disabled due to COVID-19. As of XXXX XXXX, I have yet to receive notification of any law or regulations stating any delays in reporting loan payments to any credit bureaus. On XX/XX/XXXX, I logged into my Experian credit report to find that XXXX XXXX marked me 30 days late for XX/XX/XXXX, when they had not reported to any credit bureaus since XX/XX/XXXX, before then XX/XX/XXXX. On XX/XX/XXXX, I made a web payment of {$880.00}. On XX/XX/XXXX I made another payment of {$1300.00}, which pushed my next auto loan payment to XX/XX/XXXX. But yet, they have marked me 30 days late for XXXX, when clearly XXXX was paid during the month of XXXX. I spoke with a customer service rep on XX/XX/XXXX at XXXX XXXX that stated XXXX payment should not have been reported late and advised me to dispute the issue. Per checking my payment history with XXXX XXXX there is a principal receipt of {$120.00} that has never been reported to my payment history or to the credit bureaus. Can you please correct this. Principal and interest is already added into the loan upon being approved for the loan. So why is more principal added in the middle of a loan agreement. It was also reported to The credit bureaus as a charge that increased my loan. Sounds like a scam to me. As of today XXXX, Experian and XXXX has wrong information on this loan. They have not been updated in months. The only reason Experian got updated is because I made a payment and it triggered a response from them, but its still incorrect. Before this, they had not been reporting correctly or even at all. My balances are incorrect on every credit report, but the XXXX XXXX app is showing correct payments on time and a decreased balance per the payment I made in XXXX. I have never had a late payment on my credit from XXXX XXXX. There was no indication to me, that any of this type reporting was legal.
Consumer complaint received 2021-09-27
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-09-27
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. (NY)

To whom this may concern I been trying to resolve this issue with the department of education/nelnet with all 5 accounts for years and they refuse to fix and knowingly they are wrong. They been reported late payments on my account when it should have been current with no past due like the rest of my payments. 
XXXX of XXXX XXXX XXXX and XXXX has negative remarks. And I did everything I was supposed to do as far as sending in my Papers to renew my forbearance status. These accounts been open since XXXX which is too old to be on my account anyways.
Consumer complaint received 2021-11-17
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)

All three agencies are tortiously interfering with my financial matters. 

I have requested corrections via CFPB and directly to XXXX ; Experian and XXXX All three refuse to send me hard copies of my reports, and Electronic access to them. 

Further, there are significant life safety issues which have been over proven to all three, that they refuse to comply with, leaving me at high risk of serious injury or death. 

Additionally, they all refuse to Add legittimate credit Records, and bluntly admit that their business model is for the benefit of " XXXX XXXX lendors '' and not consumers '' I am absolutely furious. 

Even just this morning, I received an email from Experian advising that a dispute was ready to View, but when I logged in to their link, they refuse to give me access and demand the very same ID documenti I have sent them no less than XXXX times. 

Your lack of authority over them and their XXXX defiance is infuriating. 

I demand the above be rectified immediately and punitive action to be taken. I am spending similar communications to the FTC ; DOJ and AG XXXX XXXX Office directly.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX XXXX XXXX  rep requested a new affidavit regarding intercepted check cashed in my name by third party, the original affidavit was closed out, unable to work off it. I've passed this information along to Capital One rep ( s ), both a XXXX and a XXXX refuse to reissue. A prior statement is cited as reason which was twisted around by XXXX in order to suit his own convenience, XXXX seems to also refer statement as reason for refusal... The statement, I was able to obtain funds from person whom cashed check '' or similar thereof, was made prior to confirmation of verified funds on check issued from person whom cashed check in question.. The amount of which us {$4200.00}. The check issued did not clear, was returned NSF, also verified by XXXX XXXX. This information was provided in prior CFPB complaint, unfortunately, XXXX seems to have ignored it and or simply refuses to move on the matter. It is common sense to provide a check for such a high payment amount, in order to show receipt, not paid in cash... I explained this in prior CFPB complaint.. XXXX as well as XXXX should understand this, simply refuse to move further... Previously, she attempted to refer me back to person whom fraudulently cashed check in which case it is not my responsibility to do so, failed, refuses to reissue affidavit as does XXXX. I request the CFPB investigate Capital One 's handling of this matter as I have prior, they failed to provide affidavit prior when brought to their attention in XXXX. Their rep, XXXX XXXX, tried and failed to assert the person whom intercepted check and cashed it is related, a XXXX account linked.. As stated prior and again here, even if the person is related, which she is not, does not mean the funds weren't stolen as they were.. I've provided proof of whereabouts at time of check interception and cashing along with copies of check ( s ) in question, Capital One refuses to investigate, marked complaints as duplicate to avoid addressing them.. Further, they provide same number to reach out, however, do not accept or return calls as is the case again here with XXXX.. I've left messages and none returned as of recent. Previously, I've left a total of seven messages for XXXX XXXX whom I believe no longer works for Capital One, none returned to date ... In closing, I request CFPB look into Capital One and their reps handling of this matter, dating back to XXXX