davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name :XX/XX/XXXX Account Number : XXXX Account name : XXXXXX/XX/XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XX/XX/XXXX Account Number : XXXX Account name : Unknown Account Number : XXXX Account name : XX/XX/XXXX Account Number : XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (FL)

I am writing to formally request validation of the debt referenced in your recent communication.

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : 1. Proof of the Debt : Detailed records that substantiate the debt. Please note that statements alone are not sufficient evidence of a debt. As established in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements are not considered adequate proof. 

XXXX. Proof of Ownership : Documentation that you have the legal right to collect this debt, including any assignment or transfer of the debt from the original creditor. 

3. Original Creditor Information : The name and address of the original creditor, as well as any documentation showing the original amount of the debt and any payments made after the initial amount.

4. Agreement with Signature : A copy of any agreement bearing my signature that indicates I agreed to the debt, the amount owed, and the terms under which the debt was incurred. 

Additionally, this letter serves as a formal cease and desist notice. I request that you cease all communication with me regarding this debt, effective immediately. This includes, but is not limited to, phone calls, letters, emails, and any other form of direct or indirect contact. For clarification, this cease and desist order also extends to any reporting of this debt to consumer reporting agencies. You are required to delete any information related to this debt from my consumer reports. 

Failure to comply with this request will leave me no choice but to pursue legal action for harassment and abuse under the FDCPA. Below is an itemized list of potential costs that Radius Global Solutions may incur if this matter proceeds to litigation : - **Filing Fees** : {$400.00} - **Service of Process** : {$150.00} - **Attorney Fees** : {$350.00} per hour ( estimated XXXX hours ) = {$7000.00} - **Court Costs** : {$500.00} - **Damages for Harassment and Emotional Distress** : {$10000.00} - **Other Related Expenses** : {$1000.00} **Total Estimated Cost to Radius Global Solutions in Litigation** : {$19000.00} I expect a prompt response within 30 days, confirming the deletion of the inaccurate information from my consumer reports or providing the requested validation of the debt. Please send all correspondence regarding this matter to the address provided above. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OH)

RE : Fraud Claim redacted Originally Filed : XX/XX/XXXX On XX/XX/XXXX I reported to a customer service representative at US Bank that I saw XXXX fraudulent online charges on my credit card statement that were made a couple hours earlier. I instructed this rep to close down this credit card and to send me a replacement card. I assumed that I would be issued a provisional credit immediately as another bank of mine had done. The dollar amount of this provisional credit is tiny. 

But days have gone by and when I called US Bank customer service I was given contradictory information. I spoke to a fraud department representative who said he was filing information for the provisional credit but the credit didn't appear in my account. I called US Bank at least XXXX times in relation to this issue. This evening ( XX/XX/XXXX ) a XXXX in the fraud department left me a phone call, yet the XXXX didn't answer when I returned her call and isn't in the office for XXXX more days. 

The US Bank website states that a provisional credit will be made during a dispute and the longest amount of time it will take is XXXX business days. It took another bank of mine only a couple hours to post a provisional credit to my account. Today ( XX/XX/XXXX ) is the XXXX business day since I started this dispute, yet I haven't received a provisional credit for a paltry sum. I have banked with US Bank for years, and when I asked to make a customer service-related complaint I was told the only method to submit this complaint is via old-fashioned snail mail. XXXX XXXX asks me after each phone call if I felt customer service did a good job whereas US Bank doesn't record calls nor take any information from customers like myself about representative performance. 

US Bank is dragging its feet to reimburse a tiny amount of money to a long-time customer. I am seeing the true colors of US Bank.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report. with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report.

- 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX I opened up a savings account with Capital One. I transferred {$15000.00} from my personal bank account into this new Capital One savings account called XXXX XXXXXXXX. 

Several weeks later, sometime in mid XXXX, I noticed a message on the app regarding this Capital One savings account. The message on the app said '' you are funds are currently not available for withdrawal. Please call us at XXXX. '' I tried to call this number at least once or twice in that week and did not receive an answer. No person answered the line. 

I called again on XXXX XXXX and finally spoke to a representative and then the manager, both who told me the appropriate department that I needed to speak to in order to remove the hold on my savings account was not available that day. 

I called again on XX/XX/XXXX and again spoke to a representative. Again they told me the security department was not available to speak to me. So my savings account remained frozen. 

On XX/XX/XXXX, I called the security department directly. I got disconnected first time. So I Called again -- -- second guy hung up. Called a third time and spoke to XXXX ( # XXXX ) Put me on hold for XXXX min when I asked what I had to do in order to remove the freeze on my savings account. 

She sent me a link and said that I needed to upload my driver 's license to verify my identity. I did that. We also called my bank which is where I had transferred the {$15000.00} from and we spoke to one of my bank representatives to further verify my identity.

At that point, it was my impression that I was done doing everything I needed to do in order to have access to the money in my Capital One savings account.

However, I checked my account several weeks later and there was still a hold on my savings account. So on XX/XX/XXXX I called Capital One again and asked them why I still had a hold on the account. Even though I had already verified my identity. The representative told me that I needed to go in person to a Capital One brand and verify my identity in person with my driver 's license. 

On XX/XX/XXXX, I went into a Capital One branch and spoke to a representative named XXXX about the situation. He found my Capital One account on his computer and was able to verify my identity using my driver 's license. However, he had to go on the phone with somebody else from Capital One and this woman told me that although I had gone in person with my ID, my savings account frees still could not be removed. She said something about meeting further investigation before the freeze was removed. 

I told her this was unacceptable, as I had put my money in that account 3 months ago now. And I also verified with XXXX that during the 3 months that my XXXX XXXX dollars has been frozen in the Capital One savings account, I have received {$0.00} in interest on my money.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.
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. (LA)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per XXXX XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXX XXXX XXXX XXXX ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

This complaint is a follow up to my complaint XXXX. The bank response is that I authorized charge. Can I please get a copy of that authorization with signature? I did not authorize a charge to not get anything in return.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (NY)

This company ( ROBINHOOD ) withdraw fun a more of two occasions without my permission or authorization..I call the bank to stop and refund me the money back and they do it again using others alias like ( ROBINHOOD Market ) first and now ( ROBINHOOD Debit ) .. ( {$1000.00} )... so they just won't stop ... withdrawing money any way they can ... so I want to stop this fraud by this company ... thank you
Consumer complaint received 2024-08-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (OH)

Sallie Mae only gave me the option for forbearance and I had postpone loans which increased my income overall amount due. No other options were given. Interest rates are still 15.125 % on the remaining XXXX. Sallie Mae denied the Attorney Generals office request to assist me stating I signed the papers so I have assumed the responsibility and acknowledged interest is variable. Sallie Mae stated the interest rate is competitive to the market and disregarded my financial hardship.
Consumer complaint received 2024-11-19
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

This is to inform you that someone illegally reported fraudulent INQUIRIES to all three credit bureaus arising from IDENTITY THEFT that they did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing Reports in Connection with Credit or Insurance Transactions Not Initiated by Consumer ( 3 ) Information about Inquiries ; Except as provided in section 15 USC 1681g ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I purchased a auto protection warranty that was supposed to cover my automobile for XXXX, in 2021. I have issues with my car when I attempt to use the warranty I am unable to get in contact with the company. The number has been disconnected, my credit card company is refusing to take on the issue to assist in resolving the in issue.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I reiceved a notification indicating that I had a deliquent account past due with Capital One. For reference, I have almost XXXX payments I have made on time over the past 7 years. After navigating the complicated hoops of reaching an account rep with my bank they placed a freeze on the account and let me know they would be conducting a 90 day investigation.

I don't have 90 days. I had hopes of pulling lending for a home purchase in the next 3 months. My credit score dropped by XXXX points as of result of Capitals one negligence to have sufficient fraud detection in place. I only say this because of the following evidence I discovered when pulling my credit report online from XXXX. 

When I pulled my report, I noticed an address to an apartment in Washington XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX to be exact. I can provide this document if needed. This indivdual had opened an account using my credentials in some way and had been using a credit card since XX/XX/year>. What is concerning is the fact that Capital One allowed a card to be opened under my name, yet never updated me or looped me in on this fact. My online Portal does not show this account. The Capital One rep told me that this account was registered under my number to! I did not recieve any notification indicating this either. 

This matter has thrown a wrench at my plans of a home purchase and at my perfect payment history.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I submitted a complaint to the CFPB on XX/XX/year> regarding my complaint of XXXX XXXX of debt bondage. all 3 credit bureaus have neglected my dispute and I am demanding it be reinvestigated. I am a victim and this is unjust as a consumer that I am being treated as such. this is discriminatory and prejudiced. while being on active military duty I have become a victim and this situation is very depressing to me and I hate that I have to keep reliving this tragedy with you and disputing this so many times. please remove all negative accounts form my credit report as they are a response of the XXXX. I have attached appropriate documentation ( XXXX XXXX victim determination documentation/Self attestation form ) as well as the documentation I received via mail that claims my request is not valid. The below accounts I am asking you to revisit and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} thank you and again, please consider the fact that I am on army duty fighting for OUR country and you are completely ignoring and violating my RIGHTS as a human being. thank you.