davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to report an ongoing issue with Capital One Bank that occurred over the last week involving my 360 Capital One Checking Account ( ending in XXXX ). 

On XX/XX/year>, I ordered a cashiers check for {$17000.00} from this account. The check was successfully delivered to the payee the following day, XX/XX/year>. However, that morning ( XX/XX/year> ), my account was unexpectedly frozen. I contacted Capital One and confirmed my identity as well as provided details about the payee, XXXX XXXX colleague Ive known for 15 years, whom I met at XXXX XXXX. XXXX XXXX holds an XXXX from XXXX XXXX XXXX XXXX and has worked for reputable companies such as XXXX XXXX XXXX XXXX. The funds were a retainer for launching and marketing a 501 ( c ) ( 3 ) non-profit organization my wife and I co-founded.

The first agent I spoke with assured me that the account restriction had been lifted, but my account remained frozen. I was also told the {$17000.00} check had been stopped by Capital One. During subsequent calls, the second agent disconnected the call while I was on hold. After two hours, a third agent finally removed the account restriction. She informed me that both the funds and fee would be returned to my account by the morning of XX/XX/year>. 

Another agent stated that the cashiers check was active ; however, XXXX XXXX attempt to deposit the check was unsuccessful ; thus, the check was destroyed. 

As of today, I have not received the funds ( {$17000.00} ), despite making several phone calls over the past few days. 

I am deeply concerned that the funds remain unaccounted for and suspect Capital One may be engaging in fraudulent behavior under the pretense of fraud protection. Additionally, I believe discrimination may be a factor, as XXXX XXXX name is of XXXX origin, despite her well-established credentials. 

Expected resolution : immediate return of my {$17000.00} ( {$17000.00} + {$20.00} fee for ordering a cashiers check ). 

I appreciate your attention to this urgent matter.
Consumer complaint received 2024-10-17
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. (CA)

COMPLAINT FOR CFPB XXXX  REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EXPERIAN regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to EXPERIAN regarding a late payment reported by [ XXXX XXXX XXXX XXXX ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I applied for a LOC with CashNetUSA online and was excited to start rebuilding my borrowing access to different companies. I did not realize that making a payment, the amount only goes towards fees and interest, nothing on principal. When I realized this after the first payment was made on XX/XX/2021, I contacted the company via chat and email. I asked to change biweekly payments because I can not afford to pay over $ XXXX {$700.00} a month. After all, the payments vary. The company communicated back with me and said it's nothing they can do. Therefore, I expressed again that I will not be able to pay and requested the LOC to be closed to stop fees from incurring, but I was told nothing can be done. I was disappointed with their response and did inform them that I would reach out to other consumer agencies to ask for help in getting this rectified. I just got the LOC approved in XXXX, and made the first payment as it was set, but when I realized how much biweekly because the second payment increased over {$100.00} more than the first payment, I knew this will not be affordable to pay biweekly. I even asked for a once-a-month payment in a lower term but was told this is not possible. I don't want to let the loan go into default but with no other choice, I will have to let it default and pay on it once a month. I am reaching out for assistance to get this account closed with an affordable once-a-month payment and no more fees or interests be added to an inactive account.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I made an online payment of XXXX XXXX The due date for my credit card was XX/XX/XXXX. The payment I made was returned according to the Capital One Mobile Banking App. I was charged XXXX for a past due fee which was outrageous considering I made my payment on time but according to Capital One my bank declined my payment due to insufficient funds. I had available funds throughout the week so what capital one is claiming is false. When I asked if they wanted proof of the available funds they denied me. Now I have to pay a total of XXXXXXXX XXXX due to Capital One not fixing their online mobile payment system. Please find these people and discipline them accordingly. This is very unprofessional!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

In XXXX with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX usc XXXX. Accounts name : XXXX XXXX  Accounts Number : XXXX and XXXX I looked at my Experian 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 XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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 2017-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

IM POSTING THIS SAME COMPLAINT AND DO NOT CLOSE IT!!! CFPB LEAVE MY COMPLAINTS XXXX XXXX ALONE AND STOP BEING BIAS AND ALLOWING CRIMINALS TO COMMIT FELONY CRIMES, THEY HAVE NEVER PROVIDED A VALID RESPONSE!!!!! LEAVE MY COMPLAINTS ALONE!!! criminals of america refuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!! secret accounting without full disclosure and A LIFETIME CONTRACT OF TOTAL FRAUD, THEY OPEN AND CLOSE AN ACCOUNT AT WILL AND TRADE A FICTITIOUS NAME FOR $ $ $ $ BEHIND MY XXXX BACK,!!!!!!
Consumer complaint received 2022-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I have had my student loans since 1997. The principal was originally around {$24000.00}. It has been sold a number of times to different banks. I have made payment on XXXX 's, used forbearances and everything within my ability to make payments. I've ask Navient for information regarding payment historys, but with the loans being sold so many times, i've never gotten close to 20years worth of repayment in order to be forgiven. OR so i've been told. I've raised my 3 children on a single income for the past 20 years and still have made payments on time, every time. 

I was never told that i might qualify for a {$0.00} dollar pymnt using an XXXX rather than allowing the forbearance to build in interest. 

I want to payoff this loan, but ... the {$60000.00}. balance is insane. I have asked Navient a number of times, what I can do and they do not have any options out there for me other than the XXXX. 

I need this loan to be recalculated and looked into by someone. Since its handled through Navient, i don't think I will qualify for any of the government assistance program.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

UNATHORIZED CLOSED ACCTS REPORTING ON CREDIT FILE. 
ACCTOUNTS DO NOT BELONG TO ME NEVER DID BUSINESS WITH BANKS
Consumer complaint received 2022-10-09
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. (CA)

I sent letters off to each bureau on XX/XX/2022. Here are my tracking numbers : # XXXX, # XXXX, # XXXX. I sent these to remove personal information that does not belong on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution should share my information to third party entities or individuals.

These are clear violation of my federally protected consumer rights.
Consumer complaint received 2022-09-28
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. (TN)

I have fraudulent inquiries on my credit report that I didn't authorize XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Elan XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX of XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

According to Title 15USC 1611 XXXXXXXX XXXX  did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Citibank, has charged me monthly fee for years which is completely fraud an invalid- they never alerted me and I did not monitor my account, so need help on the same. 

{$25.00} every month for more than an year for 2 accounts. ( Total of {$600.00} ) XXXX XXXX
Consumer complaint received 2017-06-26
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. (TX)

On or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( XXXX / Equifax / XXXX ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXX to both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XX/XX/XXXX, though I paid these debts in full in XX/XX/XXXX!. I have requested Debt Validation from : XXXX : a ) XXXX Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX A Acct No. XXXX EQUIFAX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX A Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

I wrote COMMON WEALTH financial to inquire about the medical debt back in XX/XX/2022. They have not responded to my request for them to validate and confirm this debt with me. I did not receive a notice prior to them reporting this on my credit report with XXXX, XXXX or XXXX. I do not consent to sharing any debt I may owe to report in any credit bureau. It is a violation of my HIPPA privacy rights and needs to be deleted. This medical debt is still reporting on all 3 credit bureas. It is inaccurate and is in violation of FDCPA. I asked them to delete it and they have not. So I need the XXXX  to make sure Common Wealth follow the proper guidelines and laws when reporting medical debts. I request that this is deleted immediately.
Consumer complaint received 2024-08-29
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-18
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.S 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 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I have been since the XXXX of XXXX been trying to get back my funds that were stolen from me. Someone used my stolen phone to access all my accounts and take them over. Chime denied my dispute. However new information has been provided and I expect to get a provisional credit while the investigation goes on. Closing the investigation in one day is not going to work for me. I am protected by federal law and visa along with chime all said they had my back with zero liability so they need to own up to it and help me. The merchant XXXX  and XXXX  appear to be helping but I still have not gotten my stolen funds back. I have provided an update with all the information I had. I corrected the misinformation that was given by the person who had my phone and also myself also due to the fact I was given misleading information that lead me to not figuring out who it was. Ultimate I told chime to continue with the dispute that I cant figure out whom did it and they just denied me anyways in less the 24 hours. That is not good enough. I want my funds back. Im not liable for this.