davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX AND CAPITAL ONE stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thoughtXXXX XXXX AND  CAPITAL ONE case ID XXXX. XXXX AND CAPITAL ONE is blatantly punishing a victim of identity theft. XXXX AND  CAPITAL ONE has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX  AND CAPITAL ONE are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX  AND CAPITAL ONE has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX AND CAPITAL ONE have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX AND  CAPITAL ONE cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX AND  CAPITAL ONE now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX AND CAPITAL ONE continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened. Immediately remove the information. Willful FCRA violations are intentional or reckless breaches of the Fair Credit Reporting Act.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (NV)

On XX/XX/20 a debt collector from lvnv funding called the home of my parents whom I haven't lived with in 20 years and asked for my mom and told her she was attempting to serve me legal papers for my debt and wanted my telephone number.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-30
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. (CA)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2020-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$2000.00} {$2100.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$2100.00} Monthly payment {$61.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX - On Time 30 Days Late - Data Unavailable late FCRA never late XXXX  Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXXs Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} add payment history XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$5000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$5000.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX, XXXX. 
{$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$26000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$26000.00} Monthly payment - Late payments - add unknown payment history SYNCB/SCOREREWARDSDC {$0.00} Closed Unknown payment history add back on XXXX {$20000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened Indicates the date an account was opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : - Balance on XX/XX/XXXX Credit Limit {$20000.00} - Payment Info Status Current Status date XX/XX/XXXX Past due amount - Highest balance {$40000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX NOT MINE ftc VIOLATIONS AU
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/XXXX I made a payment at around XXXX XXXX through my apple wallet in the amount XXXX of which XXXX was made from my apple cash balance. On XX/XX/XXXX at XXXX apple card charged me interest in the amount of XXXX. I called Apple to inform them of the error and was told a billing dispute would be open. On XX/XX/2023 I received a call from Apple indicating that they didn't process the payment until XXXX XXXX on XX/XX/XXXX and wouldn't credit me back the interest. There seems to be a processing error on their end as the payment was made at XXXX XXXX through Apple wallet not my bank. This caused my card to reflect over the limit and report negatively to the credit Bureau.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IN)

I, consumer, XXXX XXXX extended credit to American Express XX/XX/2022. Theres no third party involved. I received a denial letter in the mail. Pursuant to 12 CFR 232.1, a consumer can only be denied employment or insurance. Their reasoning for the denial is NOT a valid reason according to Title 15. A FICO score doesnt have to do with anything a credit transaction. I sent off a letter on XX/XX/2022 informing them that I reject the our contract agreement. Yes, it is a contract because I gave them an application which is considered a financial asset. If they do not reconsider, I will pursue ligation. I have a case for Identity Theft because they created an account ( ending in XXXX ) and I havent received a card in the mail. I have an inquiry on my consumer report which is a receipt that a transaction was made. As of now, I have not received any benefit from the consumer credit transaction.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (OH)

Mailed a cease and desist letter to Lexis Nexis. They continue to report Fake News and Im tired of it. I have attached the letter sent, my identification and if they dont abide by my cease and desist I will sue them in court!
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (KY)

In XX/XX/XXXX one of my citi cards was updated to a rewards card then reversed without my consent, see previous complaint. I filed formal complaint with Citibank on that employee. XX/XX/XXXX without warning my credit was decreased significantly and without provocation on both my Citi accounts ( 1 card went from {$13000.00} to {$8800.00} and 1 card went from {$7700.00} to {$4800.00} ) odd credit limit number right?. I contacted Citi executive department for some resolution with no formal explanation and the problem was NOT repaired. I expressed that decreasing someone's credit limit based on credit bureau makes no sense seeing that I was over XXXX at that time. This action would cause havoc within the credit bureaus ( now at XXXX ) and thus showing what damage it caused. Earlier this week XX/XX/XXXX ( just 3 months later ) Citi has decided to decrease the credit limit once again ( XXXX card went from {$8800.00} to {$5400.00} and 1 card went from {$4800.00} to {$2000.00} ) again an odd number. Conveniently as I pay each card down it decreases just above the amount I owe. Which in turn causes the credit bureaus to adjust based on the percentage owed. My oldest credit is 24 plus years old and for the past 10 years I have over 100 % on time payment. I have excellent credit limits with all my creditors except for Citibank now ... seems odd? ( I have paperwork that can be attached ).
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

Hello, Recently I applied for the XXXX XXXX store credit card offered by Synchrony Bank. They denied my application because they can't verify my identity even though I have provided my government-issued DL they are still not taking that as evidence. This is ridiculous that they will not accept the government-issued, Do I have to provide a DNA test to confirm my Identity? I already have multiple accounts with synchrony so it should be an easy process for them.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (IL)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I had opened my first credit card with XXXX XXXX When opening the card, the employee at the bank incorrectly entered my social security number. I had noticed this and had submitted a request to update my SSN on all 3 credit bureaus in XXXX of XXXX. After sending all of the documentation. Equifax never notified me the result of the investigation. 

I had recently applied for a loan and was told that my credit report is still showing the incorrect social security number with Equifax. I then contacted Equifax again in early XX/XX/XXXX and spoke with an agent XXXX. XXXX assured me that they can use my previous documentation to update my social security number and it would take a few days to process. 

I called back 2 days later and was informed that nothing was done again. I was informed to resubmit the required documents online to get the social security number updated. I submitted the case for a 3rd time for review online on XX/XX/XXXX. I received a response from Equifax XX/XX/XXXX stating that the social security number is correctly showing on my profile now. During this same time, I had also sent out a physical letter to the XXXX XXXX provided by the customer service agent, and they had received the documents XX/XX/XXXX. 

When I called to verify that my social security number had been updated, I was again told that nothing has been done, and I need to submit my documents for verification all over again. When I had informed the agent that I have submitted the case online AND sent a physical letter, I was trying to get an answer why the report of the investigation stated that my SSN was updated, but that was not the cases. They were not able to answer the question and hung up on me.

I have tried on 4 separate occasions to update my SSN with Equifax with no luck. At this point, I am risking losing my loan, and will most likely have to reach out to a lawyer to get this resolved.
Consumer complaint received 2023-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MD)

This is a 3rd party debt originated from XXXX XXXX XXXX for equipment not being return. Equipment has been return to XXXX XXXX XXXX and it's been almost a year without an update to my credit report. This debt is no longer valid. Please remove or provide proof of debt and compliance.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX XXXX account number 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 in account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. ()

On XXXX of XXXX I have sent an e-mail to XXXX asking them to send me my date of birth and my alleged SSN as previously they have admitted having them. Also I have asked them to get a response by post which they ignored. They responded by e-mail on XXXX of XXXX saying they are unable to verify the specific information they have gathered. The same day XXXX have asked them how they were able to obtain my SSN when I do not have one. And on XXXX of XXXX they repeat their response and say that they consider the issue resolved and they will no longer respond to inquiries regarding this matter.
Consumer complaint received 2022-06-10
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. (TX)

I sent my XXXX letter off on XX/XX/2022. Here is my tracking number XXXX to remove personal information that I do not want on my credit report. Pursuant to the fair credit reporting act 15 USC 1681 ( a ) ( 4 ) to be exact I have the right to privacy.

ALSO, pursuant to 15 USC 6802 no financial institution is supposed to share my information to 3rd party companies. 

There are clear violations of my federal protected consumer rights. 

Delete all of the following personal information from my consumer report NAMES : XXXX XXXX XXXX - Name ID # XXXX XXXXXXXX XXXX XXXXXXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXXXXXX XXXX XXXXXXXX - Name ID # XXXX ADDRESSES : XXXX XXXX XXXX XXXX TX, XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -Address ID # XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX -Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX - Address ID XXXX XXXX