davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (AR)

I submitted a dispute on XX/XX/2022. I never receive my results in the mail for the dispute. I called and ask for the results multiple times but the result still haven't been mail to me. Pursuant to 15 USC 1681i ( 6 ) ( A ) the consumer reporting agency is suppose to send written results no later than 5 business days after the reinvestigation. The confirmation number for this dispute is XXXX.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about XX/XX/2023, the financial institution performed an adverse action against me and my consumer credit account by closing account stating with ambiguity we are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement thereby converting the consumer account into a bill of attainder. The communication further states, you are still responsible for paying the full amount of any remaining account balance and youll continue to receive billing statements until the balance reaches XXXX. 
Averment to No. 11. I am not possessed of any issue of law or fact where such statement, action, performance, denial, adverse action, or occurrence does not violate the laws of the United States and the laws of the State of Florida. Samewise, I believe no issue of law or fact exist. 


I have sent multiple correspondence to XXXX XXXX of Capital One, XXXX XXXX of Capital One and Capital One 's registered agent for proper service yet have received no response or remedy to date. 

I have had multiple adverse actions taken against me by Capital One ever since I exercised my consumer rights. 

This is a continued breach of contract and a breach of fiduciary duty pursuant to the Uniform Commercial Code. 

See attached documents for further information/instructions. 

Thank you, XXXX, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NE)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on XXXX credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My debit and credit cards were stolen in XX/XX/XXXX. I have had some success with the credit cards and hope to resolve them, however, I have made no progress with Citizens Bank HQ in RI Money was withdrawn without my permission or knowledge on XX/XX/XXXX in the amount of XXXX Citizens has an ATM daily limit of XXXX  or XXXX  ( answer varies depending on the agent I speak with ) per day, their tracking number is XXXX XXXX. They denied the complaint but they said they will review if I provided additional data which I did. On XXXX I faxed a letter to them from XXXX XXXX Hospital stating I was in patient   XX/XX/XXXX to XX/XX/XXXX. I have yet to master being in the hospital and at the ATM at the same time. Despite this evidence I supplied they still denied my claim Again XX/XX/XXXX-XX/XX/XXXX ATM withdrawals were made without my knowledge or consent in the amount of XXXX. My complaint number is XXXX XXXX which also was denied. Again I sent a letter from the hospital stating I was in patient XX/XX/XXXX-XX/XX/XXXX. This hospital letter was faxed to Citizens also on XXXX. I could not be in the hospital and at the ATM at the same time. Citizens disagrees and again denied my claim. 

Further complaint XXXX XXXX in the amount of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX dated XX/XX/XXXX and XX/XX/XXXX are at issue and were denied. 

Lastly Citizens policy is to limit daily ATM withdrawals to XXXX/XXXX  per day ( see above ) yet on XX/XX/XXXX they permitted XXXX  to be withdrawn for their ATM ( XXXX XXXX XXXX ) in violation of their on policy. Their responded " no error occurred at the ATM '' also if you want " copies of the documents we relied upon please contact ... '' which I did on XX/XX/XXXX. I spoke to agent XXXXXXXX I was told they had no document and they had combined complaint XXXX and XXXX together. 

They also have confused XXXX XXXX and the XXXX  on XX/XX/XXXX This has been a night mare, long in excess of 90 minutes on hold, several times, only to be dropped Hope you can help, I believed you are familiar with Citizens Bank based on previous class action suits by your agency.
Consumer complaint received 2022-07-21
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, Account # 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 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 2020-08-04
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: Nelnet, Inc. (OH)

There were not payment required from XXXX until XX/XX/XXXX due the virus ; however, Nelnet is showing late payments for XXXX and XXXX XXXX XXXX. I was never late and I'm requesting METHOD OF VERIFICATION  AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (SC)

I received a couple of phone calls over the course of 3 days. I called the number XXXX that contacted me for the second time today XX/XX/2020. I got a rude unprofessional agent by the name of XXXX, Agent ID:XXXX. I advised that I was only 4 days past due and all of the excessive phone calls aren't needed and that it was a form of harassment. I then proceeded to let the agent know that I wouldn't be able to make my payment until next Thursday XX/XX/2020 and that she could set up an arrangement. The agent asked me for my debit card number and I informed that I didn't want to set up any automatic payments and that I would call my payment in as I've done several of times. This agent said rudely " well I am not setting up your payment arrangement and you will continue to receive calls ''. I then stated again that it's considered a form of harassment and in which her company could be sued for. I advised to cease and desist all calls and the agent stated again that she's not setting up my payment arrangement without a card on file. I asked for a supervisor and the agent ignored me, she either disconnected the call or muted the call and didn't reply back to me. I hung up and called spoke with another agent by the name of XXXX, she provided me with the previous agent name and agent id. I then spoke with a supervisor by the name of XXXX about the situation at hand, and so far have resolved the issue. She stated that they will pull call and review.
Consumer complaint received 2020-08-04
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. (OH)

This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold XXXX, Equifax, and XXXX   responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, SS XXXX I am looking over my credit report and I found addresses that do not belong to me that need to be deleted from my credit report. Please delete remove the following unknown addresses from my file : XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX  XXXX XXXXTX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX,XXXX XXXX XXXX XXXX XXXX TX,XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following phone numbers do not belong to me please delete them : 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 My name is XXXX XXXX XXXX please delete any other variation of my name.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was using a XXXX  XXXX  XXXX  at XXXX  to make purchases in their store. I received my statement for XX/XX/2019 showing that I had a {$10.00} balance. I paid the charge online, in full and never made another purchase with the card. I received my XXXX  Statement showing the payment of {$10.00} that I made, and a {$0.00} balance. 

When I went to refinance my home recently, my broker pulled my credit report and told me I have only one minor past due report from XXXX  for {$1.00}. Target reported this erroneously to the credit reporting agencies. I called XXXX  on XX/XX/XXXX to get this resolved and asked them to send a letter to all 3 credit reporting agencies telling them that the past due report was their fault and to remove the bad mark on my credit report. The woman on the phone said she would send a letter to my broker telling them that I had a XXXX balance. I told her that's not what I asked. I told the representative that I am in the middle of refinancing my house and I need for that bad mark to be removed from my credit report in the next day or two. She told me it would take up to 30 days for a review. I told her that I didn't have 30 days, and this should be done soon, especially since it was a mistake made by XXXX. She told me again that it would take 30 days.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (CA)

I have a Money Market Savings account with Ally Bank. I made an ACH payment transaction on XX/XX/2022 and the payment amount was {$10000.00}. Within 48 hours, I disputed the transaction requesting an ACH reversal. Ally Bank did nothing about it other than " restricting '' my account. Interestingly, " restricting '' means I am not allowed to withdraw money. However, I am allowed to deposit money. 

Later on Ally Bank closed the dispute without citing any reason. Ally Bank did not remove the " restrictions '' yet. I called them many times and also wrote to them several messages but to no avail.
Consumer complaint received 2022-07-13
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. (TX)

I sent a letter with 2 forms of identification on XX/XX/2022 asking the agencies to update my address as wells telephone number with no update or response. I am requesting the agencies to update my information. with the following information in the attached document.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. 

The company has been manipulating the statue of limitation and reporting XXXX  every single month on my credit report. 

Its been over 60 days and no still hasn't resolved this issue which to my concern that it should be corrected or deleted. 

This complaint is for Equifax Information Services LLC. 

I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I demand {$1000.00} per violation on my credit report OR delete the negative account and any other inaccurate negative information on my credit profile.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NJ)

1 ) XX/XX/20 debt notice due XXXX, client progressive insurance. 
2 ) XX/XX/20, paid XXXX toward balance, check # XXXX, new balance XXXX XXXX ) called and explained to me I would get payment reminders on balance, RECEIVED NOTHING 4 ) on XX/XX/20, account was reported to ALL major credit bureaus as a " delinquent collection '' account 5 ) DEMANDING THIS ACCOUNT TO BE REMOVED FROM ALL CREDIT BUREAUS AT ONCE!!!
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (MI)

So what happened I signed up for chime credit builder it said no interest rates or fees or monthly payments and I went To go look at my pay Check and it was short I contacted my manager and him and he checked and said they sent me more Than that I looked at my credit builder and said it thank you for the payment of XXXX and I didnt agree to pay it I contacted them twice back in XXXX and they said Ill get the money back in check form on XX/XX/XXXX and I called them again a week later and they said Ill get it XX/XX/XXXX which is today and I didnt get the money I contacted multiple people that I know who has chime and they told me theyve never had to pay XXXX for credit builder or any amount of money and I closed my account and before that they tried to take the money from me again
Consumer complaint received 2022-07-13
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. (IN)

I'm on my third dispute resolution for the same problem with the Equifax company. Both XXXX and XXXX resolved my dispute in my favor on the first request. It seems that Equifax is unwilling to contact XXXX XXXX regarding the information and dates I have provided them, and rather checks only with the collection agency, XXXX XXXX XXXX. To no ones surprise, XXXX continues to say I owe a XXXX XXXX  monthly charge that was billed after I closed my XXXX account. 

The dates in question are as follows : On XX/XX/2021 I called XXXX XXXX and closed my account. I also turned off my autopay feature online on that same date. I was told and got a subsequent email to the same effect that my account closure would be immediate, as in that same day. My autopay billing cycle each month ended on the XXXX, and since XXXX bills a month in advance per their statements and website, I was paid up through XX/XX/2021. I was told on this same phone call to pay the {$10.00} termination fee which I did online. 

While traveling the following month I received a bill for {$52.00} for another month of service from XXXX XXXX, and by the time I returned I found out it had been turned over to XXXX XXXX XXXX for collection. I filed disputes with all three credit agencies and XXXX and XXXX deleted the inaccurate charge from my credit report upon my first request, but Equifax for whatever reason seems to have no interest in doing so as well. 

I would greatly appreciate your assistance in getting Equifax to carefully review my complaint and invalid charge with XXXX XXXX and ask them to remove this entry from my credit report. Thank you
Consumer complaint received 2022-07-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SLM CORPORATION (CA)

Sallie Mae bank does not answer phone alls. I have attempted to roll my CD over within my 10 day grace period to change the terms. I have called Sallie Mae for the past 3 days at different times and hours during the day. Every time I call, the automated machine says that the office is closed for 30 minutes and to call back. I call 30 minutes later, then again another 30 minutes during their working hours and still get no answer. Now my CD has been forced to roll over into a term I did to want. The bank is not staffing customer service representatives, The chat is a BOT and you can not reach anyone.