davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (MO)

I am writing to formally request validation of the debt referenced in your recent communication dated [ XX/XX/year> ]. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, including the details of the original creditor and the amount owed.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt.

3. A detailed accounting of how the alleged debt amount was calculated.

4. Copies of any documents that prove I am legally obligated to pay this debt.

5. Evidence that you are licensed to collect debts in my state.

Until I receive this information, I request that you cease all collection efforts related to this account. Additionally, if you have reported this debt to any credit reporting agencies, please notify them to mark this account as " disputed '' until the validation process is complete.

Please send the requested information to the address listed above. I look forward to your prompt response.

Thank you for your attention to this matter.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

After being notified by mail in XXXX that my Kohls in-store credit card would be transitioned to a Capital One Rewards Visa on XX/XX/XXXX, I closed my Kohls charge account. I have a dated letter ( XXXX ) from Kohl Customer Service and Operation Center stating that the account was closed. I have called their customer service center and it confirms the account is closed in their automated system. Yesterday, XX/XX/XXXX, I received XXXX cards from CapitalOne XXXX stating that I can start using them on XX/XX/XXXX. I did not apply for these cards and closed my Kohls in-store charge account well within a time frame that they should have never been issued. I have not called in and activated the new cards, but when I called in to XXXX which is on the NEW card, I was routed to the OLD in-store credit card call system which again says my account is closed and would not allow me to speak to a customer service agent. Capital One XXXX issued me new cards on an account that was closed over 5 weeks ago. Imagine if we had moved and these cards were sent without my knowledge. Someone could have activated them and charged {$3000.00} at any location XXXX is accepted without my knowledge and destroyed my credit score.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

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 : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (TN)

Truist allowed scammers to cash advance {$500.00} on a credit card I rarely use. This transaction occurred in another state, and Truist neither declined nor flagged the transaction.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in XXXX  color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX  color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in XXXX  color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, Upon obtaining a copy of my credit report, I noticed that there is negative/inaccurate information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see entry listings for charge-offs in the amounts {$2000.00}. 
As per IRS publication 4681 section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CA)

recently became aware of the Consumer Financial Protection Bureau 's ( CFPB ) action against Navy Federal for charging illegal surprise overdraft fees, resulting in a {$95.00} XXXX settlement. I have also experienced issues related to overdraft fees, such as when funds were expected to be available but weren't, leading to unexpected charges. Additionally, I received a notice about returned items due to insufficient funds and was charged {$29.00} per returned item. I would like to understand how Navy Federal plans to address situations like mine in light of the CFPB 's recent decision, and what steps are being taken to ensure customers are not unfairly penalized moving forward
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
This is more than XXXX XXXX XXXX and should be deleted. 

XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - {$24000.00} Closed Overview You have XXXX  % left to pay on this loan. 

Balance {$24000.00} Highest Balance $ 45470 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (MS)

On XXXX XXXX I requested an investigation on Acct # XXXX XXXX XXXX XXXX for {$370.00} to send me verification and validation that this account belongs to me but they did not the proper documents I requested. Only responded after 30 days on XX/XX/year> saying its been verified and updated. My consumer rights has been violated and I demand this account be deleted. Pretaining to 15 USC 1681 7i and FCRA SECTION 623 ( A ) ( 2 ).
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Redfin Corporation (GA)

My properties were changed on XXXX  XXXX.. I paid XXXX XXXX extra for all of my houses plus the property tax. 
I was wondering if I could get my money back since they were now on the market and Im not sure how they were. I have more properties but wanted to start with these. If you can come up with a reasonable price we can come up with a proposed property decision. 

XXXX / XXXX / XXXX Account # XXXX Routing # XXXX XXXX contact for info or XXXX information!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (KS)

I recently received the results of my credit dispute investigation. I noticed that some accounts were verified, and I have several questions regarding the investigation process and the updates made to my credit report. 

What did you update? 

What did you modify? 

Did you really investigate my accounts? 

Additionally, I request the following information for each verified account : Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681 XXXX 15 USC 1681-2 Account Name XXXX XXXX Date of Verification : XX/XX/XXXX & XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX  Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2
Consumer complaint received 2024-09-26
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. (TX)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-09-19
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: National Recovery Solutions, LLC (SC)

I have spoken with someone from National Recovery Solution LLC. They sent me an e-mail and I clicked on the links to get this far. I am in the middle of a divorce. My soon to be ex-husband has used my name multiple ways. He has opened various private loans in my name stating that it was for education purposes. When he opened accounts he opened them in my name with his email information and his phone number so I would not receive phone calls about the debt. I am unaware of private loans for my education. I attended XXXX University. I completed FASFA loans through the college. I am also currently dealing with student loans that have been on deferment multiple times. This is my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My husband has always handled the finances ...... I was under the assumption we had been paying on my student loans as he would fuss about making the payments. I have went back to XXXXXXXX XXXX to question debt and gave the amount showing on my bills. They made mention that it would not have cost that much for me to attend their program while living off campus. I would appreciate someone please looking into this matter and letting me know who opened the account in my name and with what information. I could write a book on what I am currently dealing with.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I am writing to file a complaint against XXXX XXXX XXXX regarding account number XXXX. I am being contacted by XXXX XXXX XXXX in an attempt to collect a debt that I do not owe. 

I believe this debt is inaccurate and does not belong to me. I request the immediate deletion of this debt from my credit report. Additionally, I ask that you provide details of any violations of the Fair Debt Collection Practices Act ( FDCPA ) that may have occurred, including but not limited to : Section 1692e : False or misleading representations in connection with the collection of a debt.

Section 1692f : Unfair practices in the collection of a debt.

Section 1692g : Failure to provide the required validation notice.

Please be advised that if this issue is not resolved promptly, I may have to take legal action, seeking {$1000.00} per violation, along with recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.