davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a XXXX XXXX XXXX XXXX. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract.
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: National Credit Adjusters, LLC (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 XXXX 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 XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NATIONAL CREDIT ADJUST XXXX
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

hello my i am a american citizen living in XXXX i am XXXX and recive my ssa through direct deposit to XXXX here thats routes it thro bny mellon my complaint is about the econaomic impact payment 3rd round the first 2 payments deposited into the account just fine however the 3rd that was due to be deposited the XXXX of XXXX was sent back and now i am waiting for a paper check due to be sent out the XXXX of XXXX and irs represenitive from irs is telling me it takes 9 weeks to get and i can not cash here due to my us dollar account is incoming electronic deposits only my bank is telling me i have to open a us dollar account and processing to cash the check will take 2 months not to mention i have to have XXXX dollars to open the account to cash it the whole ordeal has dug me even a deeper hole not to mention i have XXXX kids born abroad i am not getting impact payments for at all because i havent been able to file certificate of birth abroad to get a social security number because embassy here has been closed due to pandimic i get no benifits of rest of relif package because i dont live in usa food costs have shot thro roof here i was even evicted from my home and forced to move to small bachalors apt with XXXX children and barly room for my things this whole experiance has been a nightmare and i am forgotten and overlooked by my goverment i worked so hard for and became XXXX in service of unreal thank u but no thank u i live abroad because i cant afford to live in states and now cant afford to live here either
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (AZ)

I was fraudulently enrolled and subsequently charges for " card security '' on my Amazon / Synchrony bank card the past 3 months. This is a service I would never enroll in. 

I've since cancelled, however, the company has a rule around " you can cancel within 90 days and charges will be refunded '' however!!!!!! For their convenience, they've backdated the enrollment date to the same date that I opened the amazon card account, so no refund will be issued. 

Interestingly enough - I went several YEARS without any of these bogus charges, and then out of the blue, was hit with these charges in XXXX 2020.
Consumer complaint received 2022-08-01
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: Early Warning Services, LLC (AZ)

On XX/XX/XXXX I called Early Warning Services to get my free consumer report after being denied a checking account with XXXX bank. My regular credit reports are clean ( I see the soft inquiry from XXXX on my credit report ) and I got my XXXX XXXX report easily and its clean ( XXXX recent inquiries ). I've done business with same bank for over a decade and it is and has been in good standing. My current bank doesn't use or report to XXXX. This only leaves one possibility and that is Early Warning Services which still hasn't provided my report after 25 days. I get the run around each time I call them. I provided a copy of my government issued photo ID, proof of address and anything else they asked including the credit history questions. They said I will have it in 15 days and that came and went. Each time I call they say oh it takes time. We need another 15 days and another. I can pull all of my other reports annually without a problem and didn't even know what early warning services was until now. This is the worst experience I have ever had trying to get one of my consumer reports. A reporting agency that is owned by the banks that use it is clearly a conflict of interest.
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I a consumer received a False and misleading, deceptive form pursuant to 15 USC 1692j ( a ) ; and a Billing error on a Bill statement from Capital One. On XX/XX/XXXX I sent capital one a 3 page Debt Validation Letter letting them know that the alleged amount of {$59.00} was disputed and requesting the name and address of the Original Creditor for the account and told them they had to stop all collection efforts pursuant to 15 USC 1692g ( b ) until the account is verified ; and I Sent a ( 3 ) Page Debt Collector Disclosure statement ; and a ( 1 ) Page Cease and desist Letter invoking my specified remedies pursuant to 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) invoked are what I put in the Fair resolution of this complaint which was for Capital One to 1 ) XXXX out the account, 2 ) Compensate me for FDCPA violations, 3 ) A permanent credit of {$50000.00} each and every month credited on to my card that I can spend with no daily limit, 3 ) No card account or services interruptions ; 4 ) and that Capital one only reports positively to the credit bureaus ; and I also sent a ( 3 ) Page affidavit of truth letting Capital one know that they were In violation of The following of the FDCPA 15 USC 1692 : 1692b ( 2 ) ; 1692b ( 5 ) ; 1692j ( a ) ; 1692e ( 11 ) ; and I sent Capital One an invoice for the violations along with Exhibit A ; I sent all of the attached documents to this complaint
Consumer complaint received 2024-12-20
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. (LA)

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

XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX, XXXX XXXX XX/XX/XXXX -- {$3300.00}
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CO)

On XX/XX/2021, I wrote a letter requesting to only be contacted in writing with the statement that if the request was not complied with, that I would immediately file a complaint. I also requested to be allowed to validate the alleged debt and did not receive any documentation. I confirmed via tracking that the letter was delivered to their offices on XX/XX/2021. Since they received the letter, they have called and left me voicemails on 2 separate occasions. Once on the XXXX of XXXX, and again on the XXXX of XXXX.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( CAPITAL ONE AUTO LOAN -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX  is reporting a balance of {$22000.00} with a current payment status, XXXX  is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX
Consumer complaint received 2021-03-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (TX)

Chrysler Capital has been consistently reporting inaccurate information to the 3 credit reporting agencies regarding my account with them for the last 24 months. They report I am 30 days late each month which has damaged my credit score and kept me from being approved for a loan that I would be eligible to receive if they would simply correct their mistake. I sent a letter to XXXX about the inaccuracies and they only corrected 5 months of late payments. When I sent them another letter, they retaliated by sending a letter of " Notice of Right to Cure ''. I have proof of cleared checks from my banking institution for each monthly car payment and I've printed out information from XXXX 's database that logs my monthly payments. There is nothing there that states I am late. Now the letter I received today ( XX/XX/2021 ) was dated for XX/XX/2021 is a Notice of Right to Cure, requesting I pay the full balance of {$4900.00} by XX/XX/2021. XXXX has horrible business ethics and are retaliatory because I am exercising my consumer rights are being violated and my credit scores are being negatively affected.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my Credit report from XXXX and noticed that the Credit Bureaus still continues to report the Disputed inquiries from my Credit file despite the countless dispute letters I have been sending them. These inquiries resulted due to my identity being stolen and used to inquire. I have been a vicitm of identity theft. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. Under the FCRA section 605b, the Crediut Bureaus must remove these inquiries from my Credit report : 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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
Consumer complaint received 2021-12-31
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. (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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

On XX/XX/2022 I sent a letter to Transworld Systems Inc. asking that they send me written verification that I owed them a debt that they claim I owe. I asked for a written signature that said that I owed them the amount they said that I owed. 

On XX/XX/2022 I received a letter from Transworld Systems with a letter stated that they had reported my debt as " in dispute '' to the credit reporting agencies. Furthermore they failed to provide me with the proper documentation that I asked for instead I was provided with a lease agreement from who they are claiming is the original creditor this is not proper validation nor what I outlined in my dispute letter. Lastly they have refused to remove the item from my credit report.
Consumer complaint received 2024-10-24
Product: Credit reporting 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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2022-08-01
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. (NY)

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. I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for Experian to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information Experian present does not match with what I have! I am requesting them to stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX XXXX Late Date XX/XX/21
Consumer complaint received 2022-08-01
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. (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. 
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TFC Credit Corporation of California (NC)

I paid {$9300.00} to XXXX XXXX XXXX XXXX through their agents TFC credit corporation but did not receive medical education necessary to graduate and become gainfully employed. XXXX XXXX XXXX XXXX made false promises about their graduation and work placement rates. Also, XXXX XXXX XXXX XXXX lost its accreditation at the time I enrolled.
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. (MN)

The following collections account and credit inquiries currently listed on my XXXX XXXX and Equifax credit report is fraudulent and not my collections account or credit inquiries : XXXX XXXX XXXX, balance : {$5600.00}, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2021-03-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-06-23
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: CREDIT ACCEPTANCE CORPORATION (CA)

I have been calling to try to get some consumer inquires off of my consumer report. Someone was trying to obtain a car in my name during the pandemic. Now the inquires are still on the account, which is a negative affect on my life currently.