davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-07-13
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. (LA)

Please take immediate action to remove the fraudulent ACCOUNTS from my credit report as I did not authorize them, and they are causing me a great deal of distress. I urge you to rectify this error as soon as possible.
Consumer complaint received 2017-02-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

My brother died on XX/XX/XXXX. I am the personal representative for his estate. My brother had a Capital One 360 savings account. Once I had Letters Testamentary from the MN court, I called Capital One and followed up with a letter to close his account and have the proceeds sent to me. The letter was dated XX/XX/XXXX. I received and deposited the check they sent me for the full amount of his savings account on XX/XX/XXXX. Now, my brother has been contacted ( at my address ) to verify his account or he will start getting paper statements again. On a closed account. With XXXX balance. Geniuses.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-07-14
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)

DO NOT MARK AS DUPLICATE, THIS IS INTEND FOR EQUIFAX. 

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX 3. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2017-08-24
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. (LA)

This a formal compliant against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX, I discovered that XXXX XXXX account number XXXX XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.
Consumer complaint received 2023-07-14
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX OF XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX Original creditor : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX  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
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MoneyLion Inc. (MD)

I was charged by different " companies '' so i called to ask for an investigation of fraud into the charges made by each company individually. I made sure to explain that it was 4 different " companies '' that had been charging me This should have been put in as 4 different investigations but the customer care representative that helped me put it in as one joint investigation saying that it would be easier for the dispute team to work the case. One company charged me 2 times on XXXX XX/XX/2023 for {$.00} and then 3 times on XXXX XX/XX/XXXX for {$.00}. The next incident was by a second company who charged me 1 time on XXXX XX/XX/XXXX for {$1.00}. The second company then charged me 7 times on XXXX XX/XX/XXXX for a total of {$2.00}. The third company charged me 2 times on XXXX XX/XX/XXXX for a total of {$.00}. The fourth company is the one that i originally called about that took the most money. The fourth company charged me 1 times on XXXX XX/XX/XXXX for a total of {$.00}. They the charged me a total of 142 times on XXXX XX/XX/XXXX with charges at some points happening every second or even multiple in the same second for a total of {$340.00}. After their investigation they determined that the card was kept active more then 30 days based on company 1 charging me and then company 4 charging me. For company 1 yes that may be true so that investigation should have been closed. However company 2, 3 and 4 all charged me in XXXX and i called in the fraud dispute on XXXX XXXX XXXX. It stated that the card had kept on being reloaded which occurred on the XXXX of XXXX which was before companies 2,3 and 4 made their charges. They said it was a regular spending rate that the transactions were made in 25 days. However again had this been put in as seperate counts of fraud that all the main charges i was calling about were made in 8 days. from the XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. And finally the last reason they denied my claim of fraud was because the charges fit the spending pattern of XXXX XXXX. That just because they all had XXXX at the beginning of their names that they fit the spending pattern. In other words someone could charge me from XXXX XXXX XXXX would be something that fits my spending pattern when in fact that is untrue.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXXXXXX 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 2023-07-14
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. (SC)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-07-13
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: Experian Information Solutions Inc. (GA)

The attached items are reporting on my credit report illegally as they do not belong to me. I have submitted previous forms indicating that such accounts do not belong to me. The credit bureau is continuing to illegally report these accounts and violating my consumer rights. I have obtained legal counsel through XXXX XXXX XXXX, XXXX XXXX XXXX who is prepared to sue the bureau attached to this complaint, on behalf of XXXX XXXX XXXX, if a proper reinvestigation and deletion of these accounts is not completed. 

If not removed within 15 days of receipt of this notice, XXXX XXXX XXXX, XXXX XXXX XXXX will begin court filing in which civil penalties for violating consumer rights will be addressed. 

In addition, XXXX XXXX XXXX states the following : Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate and remove this account and correct any erroneous reports of this debt as mine.

For the record, I state again : I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I reviewed my credit report and noticed that some payments were being reported as late on my XXXX XXXXXXXX credit card. So, I immediately called my creditor and informed them of the matter. I even spoke with a higher up head person in charge at the time and was assured that they late payments being reported were false and that on their end everything on their system is showing as on time. Now I know I immediately called the credit reporting agencies and informed them of the matter. I requested that they investigate this matter properly and DELETE the late payments being reported or Update my account but rather than doing that they did nothing at all. They kept all the information the same and placed a marking on my profile as UPDATED. They clearly did not investigate the matter properly and decided to properly report false and inaccurate information on my consumer credit profile. 
I was also informed while on the phone with a representative that due to the COVID 19 pandemic for such period of time they do not report late payments on the consumer report so if there were any late payments being reported they are inaccurate and that they should not be reflecting on my consumer credit file.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I am a current customer with a SavorOne Rewards card. If you visit this website you will see the new cardholder bonus offer. I have attempted to call into the foreign call center multiple times and they do not understand or know about it. 

https : //www.capitalone.comXXXX I have nearly spent {$500.00} within the first 3 months. I would like to receive the {$200.00} cash back bonus. 

My new phone number is XXXX I am not happy with Capital One. I have never had to complain about XXXX. So if I do not get a {$200.00} bonus I will gladly close my account with Capital One and no longer be a customer.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (IL)

I am writing to report unauthorized activities on my credit profile. I recently discovered multiple inquiries that I did not authorize, and my profile was locked without my consent. 

Upon noticing these issues, I contacted all credit bureaus, including Experian, to verify the accuracy of my information and to determine why my profile was locked. Experian informed me the profile was locked via an app, but I have no recollection of creating a membership or installing or using such an app. I have a Case number of XXXX This situation has left me concerned and anxious about potential identity theft or fraud. I kindly ask for the CFPB 's assistance in investigating these matters to ensure my consumer rights are protected, and a suitable resolution is found. 

Thank you for your attention to this matter.
Consumer complaint received 2016-07-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: U.S. BANCORP (CO)

I initially filed a complaint ( Case No. XXXX ) on XXXX XXXX, 2016, after US Bank denied my request to modify my student loan because I could not afford the payments. After this complaint was filed, US Bank provided me with the opportunity to defer payments for two months so I would have time to submit another modification request. My original request was denied because US Bank determined ( using a formula that has never been explained to me ) that the debt I owe is not a large enough portion of my overall debt. I explained my monthly income would go down ( by {$1100.00} ) because I had a teaching contract that was not renewed - XXXX XXXX ( XXXX ), a collections manager, assured me at that time he would personally review the new application ( to be submitted once I had pay stubs confirming the reduction ) and that he was " sure US Bank could find a way to make it work. '' On XXXX XXXX, 2016, I mailed the updated application and supporting documentation to US Bank, and the tracking information confirms it was received by US Bank on XXXX XXXX, 2016. I had not had a response from US Bank as of XXXX XXXX, so I called and left a message for XXXX XXXX asking him to call me back with an update. He had not called back by XXXX XXXX, so I called and left another message. On XXXX XXXX, I received notification from US Bank in the mail ( attached ; dated XXXX XXXX ) that now my loan can not be modified because I make too little ( " debt-to-income and/or payment-to-income ratios indicate a payment amount that is not affordable and/or not sustainable despite applying maximum modification terms '' ). So, two months ago I made too MUCH to qualify for a loan modification ( despite not being able to afford the monthly payments ) and now I make too LITTLE to qualify for a loan modification. I immediately called XXXX XXXX and left another message, indicating I 'd received the letter and would need to speak to either he or his supervisor so I could get a detailed explanation on how this determination about my loan modification had been made. I also informed him I would be filing another complaint with the Consumer Financial Protection Bureau. I would LOVE to know how much my income needs to be in order for US Bank to determine I will qualify for a loan modification. The bottom line is that if I could not afford the monthly payments when my income was {$1100.00} more than it is now, I do not know how US Bank expects I can afford the monthly payments now. US Bank has not offered another solution to me or been willing to work with me at all. My credit has taken a huge hit because of problems with US Bank - something I made very clear to XXXX XXXX during our XX/XX/XXXX phone conversation - and I am trying to prevent things from getting worse.
Consumer complaint received 2023-07-13
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: Harvard Collections, LLC (FL)

Illinois department of human services stating that I owe {$840.00} I havent reside in Illinois for over 37 years This account was put on my credit by Harvard collection agency XX/XX/2023 It state that the account was open on XX/XX/2023 This fraud. I have not open any account with the state of Illinois.and dont owe any money Someone else must have my information receive benefit in Illinois I have not In 37 years, I havent received any letter stating that I owe the government any money. 
I called Harvard collection agency at XXXX XXXX They said that they receive it from the Illinois Department of human services.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-03-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. Auto Sales Inc. (GA)

Since i have purchased this car i have been trying to get issues fixed. I can not get money back for the warranty that i asked to cancel over a year ago. They charged me a pickup payment that was paid that same day in the dealership. i want that back as well. They are charging me insurance when i have my own. They will not refund the money i had to pay them to get my car turned on for this so called insurance. They are not accepted to get my tag as well and i had to pay {$160.00} to get my car re-register. They are still demanding that i pay for insurance even though they have validated my insurance weeks ago.