davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Subject : Complaint Regarding the Erroneous Account in the XXXX Credit Report Dear Consumer Financial Protection Bureau : I am XXXX XXXX, and I hereby express my dissatisfaction with the outcome of an investigation pertaining to my XXXX credit report. In the credit report recently received, an account associated with KOHLS DEPARTMENT STORE XXXX XXXX was indicated, yet this account is unequivocally not mine. 

I have engaged in communication with XXXX and lodged a dispute ; however, their investigation result remains unconvincing. I firmly believe that this erroneous account information has exerted a negative influence on my credit record and may potentially pose difficulties for me in future credit transactions. 

I earnestly hope that the Consumer Financial Protection Bureau can intervene in this matter, mandate XXXX to conduct a further verification of the information related to this account, and rectify the error without delay. Simultaneously, I also anticipate receiving specific guidance and recommendations on how to resolve this issue effectively. 

I sincerely appreciate your attention and support regarding my complaint. 

Complainant : XXXX XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear, TransUnion Consumer Solutions Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiry needs to be removed immediately:

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Original creditor:XXXX XXXX XXXX
Account name : XXXX XXXX
Account : XXXX
Amount : XXXX
Consumer complaint received 2023-05-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2023 at XXXX, I went to the XXXX XXXX XXXX XXXX XXXX NY XXXX Citibank branch to make a withdrawal of {$580.00} from my Savings account. Before I could collect my money from the machine, the automated door closed and took the money back. Since I needed the money that day, I withdrew another {$580.00} at XXXX, called Citibank customer support, filed for an investigation to make sure that my money was properly returned to my account, and then went about my day. On XX/XX/XXXX, I was issued a provisional credit and was assured multiple times by customer support agents that the matter would be swiftly resolved. I will note that this happened on a Sunday, the main floor of the bank was closed, so I couldn't go in and immediately talk to a bank employee. I am also not typically in that area during the week because I work in downtown XXXX. 

Last week, I received a letter in the mail stating the provisional credit of {$580.00} would be removed from my account on XX/XX/XXXX, with the investigation concluding that there was " no cash discrepancy ''. I asked for a second, new investigation to be opened and proceed to visit the XXXX Citibank branch on XX/XX/XXXX to speak with the staff and find out what the details of the investigation were or if it even took place. 

I sat down with the XXXX branch manager for a few minutes to discuss and he was not only deeply rude and unhelpful, but did not give me any details of the investigation and only told me that " considering the results of the investigation, there was nothing [ he ] could do '' and then remarked, " it's a tough situation, buddy. '' So, upon leaving that day, I had no details about whether or not the ATMs had been checked, if they checked the security footage from the branch location or the ATM itself or if the branch had even heard about the inquiry. It left me with no resolution and still, I was missing {$580.00}. 

When I asked if there was any way to appeal the decision of the case or any other way to pursue a result, he recommended I file a complaint to Citi customer service and then wrapped up our conversation, effectively rushing me out of the building. 

I went home, called Citi customer service, and filed an official complaint against the XXXX Citibank branch, asking for the branch to be held accountable in this situation and for the second investigation to continue. I also filed for an appeal on the original investigation, something that the branch manager didn't bother to inform me of and to be made aware of whether or not the CCTV footage from the branch location or the ATM itself was actually utilized in the investigation. At the end of this, I'm still missing {$580.00} of my own money.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (TX)

I am writing to file a formal complaint against XXXX, a credit bureau, for its failure to respond within the legally mandated 30-day timeframe and for inaccurately reporting my personal information on my credit report. I believe that these actions by XXXX have infringed upon my rights as a consumer, and I kindly request your assistance in addressing this matter. 

On [ XX/XX/2023 ], I submitted a dispute letter Certified Mail with Return Receipt to XXXX Equifax and XXXX concerning incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within 30 days. However, despite the statutory time limit, XXXX failed to provide a timely response, causing unnecessary stress and potential harm to my financial well-being. 
This inaccurate reporting has the potential to negatively impact my creditworthiness and may lead to unwarranted denials for credit and other financial opportunities. 

XXXX did not respond at all within the amount of time according to law nor did they send back the Return receipt. 
Equifax has incorrect Addresses & Phone Numbers Inaccurate. 
XXXX Phone Number Inaccurate. 

Equifax and XXXX did respond in timely manor and sent back Return Receipts and also sent back requested information after the diligence of their investigation Along with the dispute letter I sent, was attached a photo copy of driver 's license, and a bank billing statement to show proof. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost attention and diligence. Your intervention is essential in holding XXXX accountable for their actions and safeguarding consumers ' rights. 

Please find attached copies of relevant documents supporting my claim, including proof of my dispute submission to XXXX. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$1300.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (TX)

This is my SECOND time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to XXXX, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. 

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from XXXX OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose. No idea who these companies even are : *SEE ATTACHED DOC* Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 

Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. I am sending this letter certified mail, with return receipt requested so that I will have documented proof and confirmation of delivery of this letter.
Consumer complaint received 2018-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

I am a single mother of XXXX children, originally my loans were from Sallie mai but navient took them over and I have had alot of financial hardship. I was told to keep applying for deferments and then forbearance, then told I have exceeded my limits. My pmts keep jumping up and being reported to my credit, lowering my credit score. Then finally they allowed me to consolidate my loans after now owing alot more then I borrowed. Now I'm on a XXXX repayment income plan but my payments still keep jumping up and are still getting reported to my credit causing it to still go lower. I'm not sure what to do, I feel like I'm going to be going backwards and backwards with them and they are doing nothing to help.
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

For about two year I had been investing on the coinbase exchange. One of my investments was called XXXX XXXX. I had put in close to {$6000.00} or more into XXXX over those 2 years. The XXXX was down significantly as is most crypto. On XX/XX/XXXX via XXXX Coinbase announced they would not support the XXXX XXXX of XXXX XXXX. XXXX airdropped a new version of their crypto. Coinbase told its customers in a series of poorly worded emails and XXXX announcements that they would not support this new crypto and investors needed to move there crypto to another exchange. I was not aware of that until 1 day after it was to late XX/XX/XXXX. I was on vacation and missed the opportunity to sell or move my crypto. I am now being told that my XXXX XXXX which has a value of {$2500.00} is now worthless. I can not transfer it or sell it and I have lost all my money. XXXX XXXX was supposed to replace my XXXX XXXX with XXXX but coinbase did not allow it. My investment is going according to Coinbase and they will not hear my complaints. They blame me and the thousands of people who lost their money. The announcements were terrible and I do not use XXXX. I really had no idea what to do in this case but was also to late. I know of another person who was in the hospital and lost his investment. If people are going to loose their money Coinbase should have made sure everyone was contacted with the correct info before taking there money away. So coinbase promotes these crypto currencies and then takes them away after they were purchased on the exchange. I am distraught over this because I do not have much money. My business has been hurting since covid and I was also mail order scammed a little over a year ago. I am nearly out of business and this was a very painful thing. Hopefully you can help! I am not sure what to do.
Consumer complaint received 2023-05-12
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: SYNCHRONY FINANCIAL (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( syncb/pc Richard XXXX XXXX XXXX ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the items as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 

COUNTY OF XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2023-05-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( portfolio recovery associates XXXX ) 1 ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions.

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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

This complaint is to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. This inquiries is not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiries in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, Equifax is required by the FCRA to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : XXXX XX/XX/2023 XXXX XX/XX/2023. The FCRA requires Equifax to verify the validity of the items within 15 days. If the validity can not be verified, Equifax are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge Equifax to remove them before I am forced to take legal action.
Consumer complaint received 2024-08-23
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. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.