davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CAPITAL ONE BANK USA XXXX XXXXXXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$0.00}
Consumer complaint received 2022-08-10
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: CITIBANK, N.A. (VA)

I over paid my XXXX 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for Macy 's Store Charge Card.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (KS)

On XX/XX/2022 my Auntie XXXX XXXX used Venmo/PayPal to send me {$2200.00}. 
I was unaware that my bank " XXXX XXXX XXXX XXXX " in XXXX, Mo used a different money transfer the XXXX app to recieve money transfers. I had contacted Venmo over 12 times sending my correct email, driver 's license, 3 months of bank statements by email to the Venmo specialist team. Venmo just this last Saturday XX/XX/2022 informed me that the money was at my bank and to contact my bank, upon doing so I learned from my bank that they don't use Venmo/PayPal to ask Venmo to refund my Aunt 's {$2200.00}. My Auntie and I called today XX/XX/2022 at XXXX XXXX CT only to be told that the problem for the refund was being sent to a specialist Team for review yet again and it would take another 24 hour before I would receive an email from Venmo/PayPal to respond to the refund. The last time I made a complaint to Venmo/PayPal they told me the same thing and I had to call Venmo/PayPal back. This is going on 2 months now. Please help my Auntie XXXX get her total refund for sending my {$2200.00}, amount to send money was XXXX. If you have any questions please email me at : XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TN)

To Whom It May Concern, I am writing to formally dispute the inaccuracies and violations present in my credit report dated XX/XX/year>. Below is a detailed list of issues, including the violations of each account, the non-account-holding inquiries, and the actions I am requesting. 

Inaccurate Accounts and Violations : CREDIT ACCEPTANCE CORP ( Account Number : XXXX ) Discrepancy : Account lists payments late by 30 days twice ; however, records show payments were brought current immediately without justification for derogatory remarks. Violation : XXXX late payments inaccurately, harming my credit score. Compensation Requested : {$2000.00} XXXX ( Account Number : XXXX ) Discrepancy : Account marked as Collection/Charge-off with a dispute comment that was unresolved. Violation : Reporting unresolved disputes without proper investigation and failing to update dispute resolution status. Compensation Requested : {$1000.00} XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) Discrepancy : Balance reported as {$21000.00} in collections despite 100 % payment history stated in the report. Violation : XXXX inaccurate collection balances contrary to documented payment history. Compensation Requested : {$1000.00} Non-Account-Holding Inquiries : CREDIT XXXXXXXX XXXX XXXX  Date : XX/XX/year> Violation : Hard inquiry performed without a permissible purpose. Compensation Requested : {$1000.00} Summary of Violations : Inaccurate reporting of account statuses and payment histories. 

Failure to investigate and resolve disputes per the Fair Credit Reporting Act ( FCRA ). 

Unauthorized hard inquiries in violation of FCRA guidelines. 

Total Number of Violations : XXXX Requested Compensation Per Violation : XXXX Requested Compensation : {$5000.00} Action Requested : Immediate deletion of all accounts reporting inaccurate or unverifiable information : CREDIT ACCEPTANCE CORP XXXXXXXX XXXX XXXX XXXX XXXX  Removal of unauthorized inquiries : XXXX XXXX XXXX XXXX  Financial compensation for each violation outlined above. 

Confirmation of actions taken to rectify these issues. 

Supporting Documents : Enclosed with this letter, I have included a copy of my credit report highlighting along with any relevant correspondence. 

Please investigate these matters and resolve them promptly. Under the FCRA, I expect a written response within 30 days of receipt of this letter. Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

On about XXXX XXXX XXXX XXXX XXXX XXXX ) reported my credit card as delinquent in error, after disputing the matter directly the company then agreed to correct the issue. According to 2 representatives XXXX and XXXX they have updated my record as well as sent letters to all credit bureaus. I also received the letter. The only credit bureau to consistently not correct and update my file is Equifax. I have made multiple disputes and each time the information reappears on my credit causing irreparable damage to my credit status. The balance is incorrect. Payment history incorrect and the account is not and has never been past due. I made a complaint with Equifax supervisor XXXX XX/XX/year> and she advised no follow up on complaints but provided case # XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

On about XXXX XXXX XXXX  XXXX XXXX XXXX ) reported my credit card as delinquent in error, after disputing the matter directly the company then agreed to correct the issue. According to 2 representatives XXXX  and XXXX  they have updated my record as well as sent letters to all credit bureaus. I also received the letter. The only credit bureau to consistently not correct and update my file is Equifax. I have made multiple disputes and each time the information reappears on my credit causing irreparable damage to my credit status. The balance is incorrect. Payment history incorrect and the account is not and has never been past due. I made a complaint with Equifax supervisor XXXX XX/XX/year> and she advised no follow up on complaints but provided case # XXXX
Consumer complaint received 2022-06-17
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. (NY)

This is my XXXX 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. 
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 XXXXXXXX Date Opened : XX/XX/2003 Balance : {$10000.00}. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Consumer complaint received 2022-06-17
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. (NY)

This is my six 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 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 XXXXXXXX Date Opened : XX/XX/2003 Balance : {$10000.00}. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Consumer complaint received 2023-03-26
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: Torres Credit Services, Inc. (PA)

In accordance with the fair credit reporting act, this company has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

XX/XX/XXXX I have requested my credit reports from XXXX, XXXX and Equifax and after careful review and investigation I have found 4 negative items and 65 unauthorized inquries on my credit profile. I have contacted the consumer reporting agencies and disputed and notified them all of unlawfully reporting of unauthorized inquiries on my credit profile of an account that was opened on XX/XX/XXXX. I have not given them any permission to access my credit profile and have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identity Theft and Defamation Of Character pursuant to 18 U.S.C. 1028A. They have Knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liabilty.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both '' By willfully violating the FCRA, I am willing to settle their civil liabilty damages I have suffered because of their violations for {$3000.00} from ( XXXX, XXXX and Equifax ) pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should they fail or refuse to settle the demand, I will seek actual damages which are greater than {$3000.00}.
Consumer complaint received 2024-09-11
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX PM Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

XXXX5 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX XXXX Balance Owed : {$430.00} DPT EDXXXX XXXX Balance Owed : {$5600.00XXXX DPT EDXXXX XXXX Balance Owed : {$3300.00} DPT EDXXXX XXXX Balance Owed : {$1600.00} DPT EDXXXX XXXX Balance Owed : {$5000.00}
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (NJ)

In an attempt to repair my credit after a turbulent time in my life, I reached out to XXXX to pay a debt from a missed auto insurance payment from a few years prior. The agent I spoke with on the phone ( on a recorded conversation per their notice on the phone call ) agreed to remove the information from my credit report once I paid the amount in full. I sent the payment over to them last fall, and noticed when I pulled this years credit report that they did not follow through with their agreement. I contacted the collection agency to dispute the account still showing on my credit report and they are unwilling to honor Progressives agreement stating that the Fair Credit Reporting Act prohibits them from removing information from my credit report, which I know to be a perversion of the truth. Not only did XXXX fail to follow through with their agreement after they received a payment IN FULL, the collection agency is knowingly and willfully engaging in actions that adversely effect my consumer profile despite the goodwill efforts made on my end of the bargain. They claim that there was no documentation of the original agreement with XXXX, however, I know that the original phone call was on a recorded line as it was stated by the agent at the beginning of the call and I made sure to clarify that information during the course of the conversation. The evidence is there, it is simply being hidden.
Consumer complaint received 2022-11-30
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
- Persolve/Preserver Legal # 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  *Please remove all non-account holding inquiries over 30 days old. 
*Please add a Promotional Suppression to my credit file.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. EXPERIAN has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give EXPERIAN written instructions at any time to report The following XXXX XXXX accounts are being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NE)

I have had charges made on my XXXX XXXX account as well as my checking account while I'm in XXXX  and unable to do anything. I submitted verification of me XXXX in XXXX  and advised that my phone and wallet was stolen prior to XXXX  and I didn't authorize any of the charges and they're not actually investigating these or refunding my money.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I wanted to share a frustrating experience I had with Equifax, one of the major credit bureaus. Recently, I disputed some inaccuracies on my credit report, thinking it would be a straightforward process. However, their investigation turned out to be a complete mess. 

First off, I found out that they didnt even comply with Section 609 of the Fair Credit Reporting Act ( FCRA ), which means I should have received a full disclosure of all the information in my file, along with the sources. But they didnt provide that, which feels like a violation of my rights. 

Then, under Section 611, they are required to conduct a reasonable investigation into the disputed information. But honestly, it seemed like they barely looked into it at all. The findings they sent me didnt address the discrepancies I pointed out, so Im left feeling like nothing was resolved. 

Theres also Section 623, which states they need to ensure that any information they report is accurate and up-to-date. The inaccuracies on my report definitely dont meet that standard, so Im pushing for them to correct it right away. 

Lastly, Section 605 covers how long negative information can stay on a report. If the items I disputed are outdated or wrongly reported, they should be removed, but it seems theyre ignoring that too. 

I wrote them a letter demanding that they take another look at my case and fix these issues. Its just so frustrating to deal with this, especially when it feels like my rights are being overlooked.
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

In XXXX, I sold my home under threat of a prematurely filed foreclosure petition voluntarily. Nationstar inaccurately underreported the amount of interest they received, placed unearned foreclosure fees in a suspense account for the last 8 years causing negative credit reporting that caused premature deletion of their tradeline. It was disclosed to me in XX/XX/XXXX that what I didn't know was that Nationstar allocated {$11000.00} for late fees at {$56.00} a piece while reporting in detail reports to me they allocated {$2800.00} to which has caused me to be ineligible for applying for a residential loan for 8 years. See lines XXXX XX/XX/XXXX, in an internal file of the account, and then XX/XX/XXXX Nationstar 's lawyer claimed it was updated in a letter attached dated XX/XX/XXXX. This counsel caused Natiosntar to involve me in two agreements waiving my rights before the lawyer disclosed lines 81-86 were never actually updated dated XX/XX/XXXX and XX/XX/XXXX, denying any error in payment allocation in the face of clear inaccurate payment allocation in lines 81-86.