davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/27 Capital One Auto Finance used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of Capital One Auto Finance. I the consumer and natural person, was denied credit by Capital One Auto Finance when I applied for a vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Capital One Auto Finance are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by Capital One Auto Finance due to the response I received. Capital One Auto Finance is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-28
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
there is some inaccurate information reporting. 

XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 3. The inquiry was not authorized AUTOMTV CRDT Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-30
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. (FL)

My name is XXXX XXXX, I am writing this complaint on my own behalf their are no third parties involved. I have been a victim of identity theft, and there are still remaining fraudulent accounts listed on my credit report that are delinquent, and have been furnished to my report without my written nor expressed permission. This is a large issue, to be presented to Equifax due to the continued efforts on my end to have each of these accounts removed and resolved at once. The accounts I have disputed these fraudulent accounts that are in my name over 7 times now and theyre negatively affecting my credit file. The following accounts on my Equifax report need to be removed : XXXX {$6100.00}, XXXX XXXX {$4000.00}, XXXX XXXX XXXX XXXXXXXX {$5400.00}, XXXX XXXXXXXX XXXX {$2300.00}. not only are these accounts fraudulent but these same accounts are reporting completely inaccurate information a crossed all three consumer reporting agency reports. It is the responsibility of Equifax to be reporting 100 % completely accurate information, and at this time, they are not doing so. This is breaking the law, and preposterously making use of my credit file to illegally furnish said accounts that ARE NOT MINE.
Consumer complaint received 2023-06-28
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. (NC)

Per 15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report 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 about whom the report relates. 

The account from XXXX XXXX  XXXX falsely reports this account with all reporting agencies, to varying reporting information. You are reporting this account monthly CHARGED OFF as of XXXX. XXXX XXXX  issued me a 1099-C on XX/XX/XXXX which establishes this account as taxable income. Income is NOT reported to consumer reports, thus, your reporting is a violation of the FCRA. 

This bureaus did not complete an investigation under 15 USC 1681i and the information reported inaccurate and violates the compliance guidelines set under the FCRA. 

Transunion reported completing an investigation, however, the date the information was LAST verified was XX/XX/XXXX. 

XXXX and XXXX did NOT provide me results as requested. XXXX made the baseless claim that my dispute did not come although the letter was addressed directly from me.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (NY)

On XX/XX/XXXX, I placed an order for a XXXX Sectional Couch from XXXX XXXX using an installment loan from AfterPay. The estimated delivery date was XX/XX/XXXX. However, when I requested a tracking number, I was informed that there were delays and that they would let me know when my order left the warehouse. Despite checking in monthly, I received excuses about warehouse delays, and my order remained unprocessed. Finally, I decided to cancel my order on XX/XX/XXXX and requested a refund. Unfortunately, XXXX XXXX informed me that they could not issue a refund as they no longer worked with the payment processor and Afterpay does not let you open a dispute after 120 days which is a big red flag since the pandemic has caused a lot of manufacturing shortages. They suggested that I dispute the charge with my credit card company and deny receiving the goods, even though they did not offer any other solutions like a wire or ACH payment. I paid {$1500.00} through AfterPay and I've contacted them multiple times they have refused to help me with getting in touch with the merchant. AfterPay knows I have never missed a single payment ever since using them, they have refused to call me and everyone keeps giving me the same answer. The only one that can help me is AfterPay, I need them to get the merchant to give me my money back. I am very disappointed that XXXX XXXX and AfterPay did not treat its paying customers with respect and instead scammed them out of their hard-earned money. It would be greatly appreciated if they could refund my money as soon as possible.
Consumer complaint received 2019-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, TransUnion, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -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 2023-06-28
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. (VA)

I have attempted to handle this with Equifax on numerous occasions. Please be advised that this is causing financial damages. Failure to provide and appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will constituted as your acceptance that this debt is not valid. Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVED THE FOLLOWING IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX had a breach in 2022 it's public information to look up lawsuits taking place I was told I was part of that breach I had no idea it happened until I was told I was in and out of hospital dealing with this and felt like I was discriminated against by the bank because I'm poor and sick my identity was stolen and XXXX was dragging everything out they still are dragging it out, it's a complete mess I tried to send money via XXXX pay which also runs through XXXX and the receipt from receiving person sent me copy it had a totally different person 's name I was robbed had to call bank continuously and nobody knew what they were doing it was very scary I was frustrated upset crying I was laughed at hung up on etc I don't think a person should be treated that way I understand they have policies however my identity was stolen and I was punished for that and they closed my account while things were still under investigation not fair by any means
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX-remove line per FTC, XXXX & police XXXX XXXX XXXX? XXXX XXXX XXXX XXXX? XXXX XXXX XXXX taken out fraudulently-still paid in full-XXXX  balance, never late, never charged-off or sent to collections Delete " Dergoatory '' status under Account Details & in collections/charge off from account status-there is no collection or charge off account-line does not even exist on on other reports... 

Delete-comment " Payment after charge off/collection Purchased by another lender ''
Consumer complaint received 2023-06-28
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. (MD)

There is a FRAUDULENT item on my credit report ( XXXX XXXX XXXXXXXX ). I DO NOT have any idea regarding these fraudulent account on my credit report. I'm reaching out regarding this FRAUDULENT item and for assistance to REMOVE it from my credit report immediately. This accounts is NOT MINE.
Consumer complaint received 2023-06-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation (FL)

I tried emailing XXXX XXXX XXXX but have not gotten a response from them. I have also tried reaching out to debt collector USCB Corporation, to no avail. I've sent emails requesting proof of my debt and when I agreed to this and have gotten no response from them. I am currently trying to fix my credit report and want this off my credit as I have not gotten a response from either company. I have no idea of what I owe this debt for.
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CT)

I closed a checking account at Chase in Early XX/XX/2018. I received a notice in the mail which said my account had been debited for XXXX . I have yet to receive the funds and have had numerous email discussions with them online. They recommended I go to my local branch in this case Florida. I spoke to the representative was very helpful but after a period of two days and frequent phone calls by him and myself they still can not find out what happened to the Funds.
Consumer complaint received 2023-06-30
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-28
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. (IL)

To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly. 

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including XXXX, have failed to correct the inaccuracies that continue to plague my credit reports. 

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process. 

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting. 

I kindly request that the CFPB communicates with the credit bureaus, including XXXX, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

I previously had an account with XXXX for my cell phone services. I cancelled my service back in XX/XX/XXXX and paid my last invoice on XX/XX/XXXX for {$240.00}. I called several times to confirm my account was cancelled with their customer service department. However in bad faith XXXX has sent me to collection with a company called Source Receivables Management. I do not know this company or agreed to do any business with them however they are demanding I pay {$460.00}. I formally asked Source Receivables Management on XX/XX/XXXX to provide proof of the required documentation to validate the debt : Proof that you are licensed or legally authorized to collect on debt in my state. 
Proof of your bonding agent in the event where I must seek counsel. 
Proof of your authority in the collection process. 
Proof that the original creditor authorized you to collect on the debt on their behalf. 
The original creditors name. 
Details on when the account first went into delinquent status since that is the date required as OPEN DATE on the collection account. 
However they refuse to provide the proper documents and display the use of delay tactics. I believe this company is acting in bad faith and violating my right under the FDCPA and the FCRA. I would like someone to investigate this matter because they are reporting this collection on my credit report and causing me intentional harm.