davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a followup : I understand it may take over 60 days to get a response, but I'm now receiving more emails from Capital One asking me to log into my account and set up text messaging for this unauthorized account ending in XXXX. I have been successful, as I don't have a username or password to get into this account, nor do I want to since I didn't open it. 
They have charged me over 6 months of late fees on the unauthorized account ending in XXXX. 

This is the FIRST info I knew of this account : Tue, XX/XX/XXXX, XXXX About your VentureOne Credit Card ending in XXXX Hi XXXX XXXX XXXX XXXX Your statement is available online. 
Statement balance : {$310.00} Minimum payment : {$250.00} Payment due date : XX/XX/year> by XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX XXXX Youve successfully added your account ending in XXXX from DEBIT CARD. This account can now be used to make payments to your Capital One accounts. 

Were sending this confirmation for your account security. No additional action is required. 

If you didnt link this account, please visit our Information Protection Center. 

Thanks for choosing Capital One. 
Note : I did NOT ask to have my account linked with Capital One. ( I asked for a one-time payment of the outstanding balance of the unauthorized account so as NOT to continue late fees. ) Youve successfully added your account ending in XXXX from DEBIT CARD. This account can now be used to make payments to your Capital One accounts. 


Tue, XX/XX/XXXX, XXXX Hi XXXX XXXX XXXX XXXX Weve noticed youre not set up to receive important account alerts via text or call from us. 
By enabling alerts for your mobile phone number, you can get notified quickly with important account information and updates. Rest assured, we will only use your mobile number to contact you about your relationship with Capital One and not for any marketing communications. 

Im unable to log in to this unauthorized account ending in XXXX. I dont know the full account number or the password. I had alerts via text on the old account that was canceled due to fraud. But when Capital One created this new unauthorized account ending in XXXX six or more months later, they didnt inform me, didnt turn on text messages, and didnt have my new address to inform me of their actions of extending credit to third parties on the new account they created. 

I can not see my online credit reports because the system will not recognize my username and password. 

I want Capital One to stop using this fraudulent account, which ended in XXXX, so that my credit report and finances can be restored. This just can not be allowed.
Consumer complaint received 2024-10-04
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. (AL)

Im writing to file a complaint against XXXX XXXX XXXX because theyre incorrectly reporting late payment to the credit bureaus while Im enrolled in a COVID-19 recovery modification plan. This is unfair and has seriously impacted my credit, despite the fact that Ive been following all the terms of the agreement. 

Details of the Issue : Loan Servicer : XXXX XXXXXXXX XXXX  Date of Enrollment in COVID-19 Recovery Modification : XX/XX/year> What Happened : I signed up for a COVID-19 recovery modification with XXXX XXXX XXXX  on XX/XX/year>. Since then, Ive made every payment according to the plans terms. I was told that as long as I made these payments, my account would be reported as " current. '' But XXXX XXXX XXXX is still reporting late payments to XXXX, Equifax, and XXXX, which is unfair and hurting my credit score. 
Documentation I Have : A copy of my COVID-19 recovery modification agreement. 
Payment receipts that show Ive paid on time, according to the agreement. 
A copy of my recent credit report showing the incorrect late payment entries. 
What I Want : I need the CFPBs help to get XXXX XXXX XXXX to fix this. I want them to update my account status to " current '' on all credit reports and stop reporting these late payments. I also want an explanation from them about why this happened and a guarantee that they wont do it again. 

This has caused me a lot of stress and financial problems, and its affecting my ability to get credit. I need this resolved quickly so I can move forward without this hanging over me. 

Thank you for looking into this and helping me get this resolved
Consumer complaint received 2024-10-05
Product: Credit reporting 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. (SC)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-05
Product: Credit reporting 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. (OH)

XXXX XXXX XX/XX/year> My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person FCRA Section 604 Permissible Purposes of Consumer Reports This section of the FCRA specifies when a credit bureau can legally furnish your credit report to a third party. Some permissible purposes for making a credit inquiry include : Credit Transactions : When a lender or creditor is evaluating you for credit, loans, or financing. 
Employment Purposes : If an employer is performing a background check with your written consent. 
Insurance Underwriting : When an insurance company is considering you for coverage. 
Government Licensing or Benefits : When the government needs to check eligibility for licenses or benefits. 
Court Orders : In response to a valid court order or subpoena. 
Debt Collections : When a company needs to collect on a debt owed by the consumer.

For an inquiry to be authorized, it must meet one of these permissible purposes. If it does not, it is considered an unauthorized inquiry, and you have the right to dispute it.

I have no capital one accounts Ill leave photos below
Consumer complaint received 2020-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXX XXXX ESTATE ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship oF EQUIFAX due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EQUIFAX has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EQUIFAX, including USPS tracking number and screenshot of date of delivery. You EQUIFAX are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EQUIFAX has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This Vehicle was involved in a car accident not at my own fault XXXX XXXX. As a result the car was towed and later totaled by insurance. In the months of XXXX, XXXX AND XX/XX/year> Payments were still made on this loan in full by bank auto draft even without the car being in my possession due to the major accidentXXXX XXXXXXXX also notified me when contacted by me that my car had been repossessed the day after payment due date even after a payment was made. As proof on my payment history I have always paid XXXX XXXX and XXXX time every time. Even without the car in my possission due to auto accident.As a result I was reported to credit bureau for negative response.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Transunion has been charging me a subscription fee for 2 years and I can not access and have been locked out of my account. I can not use Transunion and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.
Consumer complaint received 2020-06-18
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$1400.00} XXXX XXXX {$2700.00} USDEPTED XXXX {$4200.00} XXXX XXXX {$2700.00} USDEPED XXXX {$4200.00} XXXX  XXXX {$4200.00} XXXXDOFED XXXX {$4200.00}
Consumer complaint received 2024-10-07
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-19
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)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-03
Product: Credit reporting 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. (FL)

I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. 

The fraud inquiries are the following : 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 2024-09-19
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Consumer complaint received 2020-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I am a co-borrower with my daughter who completed her XXXX from XXXX College XXXX, MA. I have been dealing all the correspondence and making payments of the loan. 
The First loan Application was from NellieMae for {$20000.00} for the period XXXX Loan was never disbursed to XXXX College MA Moreover we never heard about NellieMae. 
The Second Loan Application was from SellieMae for {$18000.00} for the period XXXX Loan was never disbursed to XXXX College MA The Third loan Application was from SellieMae for {$15000.00} for the period XXXX Loan was received by XXXX College MA as mentioned in their loan Letter attached and copied to Navient several time. We did not receive any documentation of proof from Navient. 
We send the following letter to Navient in XXXX If you have made a payment to XXXX College . Please send front and back copies of the cancelled check sent to XXXX College showing the check cashed by them. If the payment was made electronically through your bank. Please contact your bank to obtain the Electronic Funds Transfer number so that we can confirm from XXXX College. 
In the absence of the correct documents I will not restart the payment of two Loans. However, I will continue to make the payment of the Loan received by XXXX College. 
As per your document for Loan XXXX a principle of {$2300.00} and payment of Interest of XXXX made to you. 
As per your document for Loan XXXX a principle of {$2200.00} and payment of Interest of XXXX made to you. 
As per your document for Loan XXXX a principle of {$3300.00} and payment of XXXX of XXXX made to you. 
The two Loans ending in XXXX and XXXX which were not paid to XXXX College, we have paid a total principal of {$5600.00} and interest of XXXX. The total of XXXX must be applied to the only loan paid to the College. This conclude that we have made a payment and interest more than the loan. 
Selliemae did not provide us any information about the Disbursement of finances to the college.

On completion of education as required by Sallieme we started the repayment of loan.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-09-19
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. (NY)

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : Experian XXXX Date of inquiry : 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 Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation.

Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed. 
XXXX XXXX XXXX XXXX XXXX account XXXX... 
XXXX XXXX account XXXX... 
XXXXXXXX XXXX XXXX XXXX account XXXX... 
Please update the status of this account to " paid on time ''.