davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX was never late! I have had exceptional payment history with 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 reported in to be removed.

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. 


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 2024-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I am disputing and requesting the permanent deletion of a collection account reported by LVNV FUNDING LLC from my credit report. The account in question is inaccurate and has been causing significant harm to my creditworthiness. 

I am disputing this account based on the following violations of consumer protection laws : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation requires debt collectors to provide specific details about the debt, including the name of the creditor and the amount owed. LVNV FUNDING LLC has failed to furnish the necessary information in accordance with this requirement. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This rule mandates that debt collectors disclose information about the consumer 's rights, including their right to dispute the debt. LVNV FUNDING LLC has not adequately informed me of these rights, thus violating this regulation.

3. **12 CFR 1006.34 ( d ) ** : This provision outlines the need for debt collectors to substantiate the debt with proper documentation upon request. Despite my repeated requests, LVNV FUNDING LLC has not provided the required substantiation, which is a direct violation of this regulation.

4. **15 USC 1681s-2 ( a ) ** : According to the Fair Credit Reporting Act, information furnishers must ensure the accuracy of the data they report to credit bureaus. LVNV FUNDING LLC has reported inaccurate information to the credit bureaus without conducting a reasonable investigation into its validity, breaching their duties under this statute.
Consumer complaint received 2024-07-06
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. (NJ)

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

XXXX name : XXXX XXXX XXXX Account number : XXXX, Date opened XXXX XXXX, XXXX. 
XXXX name XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX XXXXXXXX, Account XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX Account number : XXXX, Date opened : XXXX XXXX, XXXX. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX. 

The accounts above have violated my rights. 

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

15 U.S.C 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (FL)

I am writing regarding on my previous requests regarding the removal of inaccurate inquiries from my credit report. I am increasingly frustrated by the lack of resolution and the continued presence of these inaccuracies. 

The persistence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. Kindly remove these inquiries and send me an updated copy of my credit report at the address listed above. 

If your investigation determines the inquiries are authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Kindly remove these following inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA (FL)

A debt validation letter was dispatched to request evidence or verifiable proof, such as the original consumer contract with the consumer 's signature, for the XXXX accounts listed with varying alleged owed amounts. The agency was given 30 days, as mandated by federal law, to complete their investigation and provide specific details, including the calculation method for the alleged debt, copies of any documents confirming the consumer 's agreement to pay the alleged amount, verification of any judgment if applicable, identification of the original creditor, proof that the statute of limitations has not expired for these accounts, evidence of the agency 's licensing to collect debt in the state of Florida, including their license number and registered agent, and a payment history from the original creditor. Additionally, the consumer requested the name and address of the original creditor and proof of the agency 's ownership or assignment of the alleged debt. Unfortunately, none of this information was provided to the individual. 

Subsequently, a follow-up letter was sent to the credit bureaus on XX/XX/year>, to investigate the alleged claims and dispute them due to the agency 's lack of good faith in failing to provide the requested information. It is concerning that the agency has included information in the credit profile without maintaining reasonable procedures to ensure the accuracy of their credit reporting. The laws governing credit reporting mandate that bureaus only report completely accurate information, and every effort must be made to ensure the accuracy and correctness of reported information. 

A demand was made for the reinvestigation of the accounts and the provision of any form of verifiable proof, such as an original consumer contract with the consumers signature, that the agency had on file for the previously mentioned accounts. The failure to positively verify these accounts significantly impairs the individual 's ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), accounts that can not be verified must be removed. Unfortunately, these accounts remain listed on the individual 's credit reports despite a XXXX and subsequently a XXXX grace period. Additionally, it was requested that all non-account holding inquiries over 30 days old be removed and a promotional suppression be added to the individual 's credit file.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Since XX/XX/2023 to now Capital one been sending me emails promoting Quick Silver credit card and i would get hgher limit than my Platinum  credit card i had for about XXXX ... I kept telling capital one just give me XXXX credit limit.They never would, and in emails say i been paying ontime over 9months, but its been over year on time.So they offer me QuickSilver credit card, and it is pre approved.Get no rate for 9months than it be 29.8 % higher than iam paying now Platinum.And when i fill out application it have no effect on credit report, bunch XXXX XXXX! My score was XXXX than it drop to XXXX, hmmmm??? My Platinum  Credit Card is XXXX limit i use lot i pay from XXXX or more amonth for over year, they refused to give me higher limit, i ask for XXXX limit for me putting up with there illegals employees can't speak English to good..Iam XXXX  over XXXX i should get better rate, and hgher limit..I applied XXXX XXXX, Capital one gave me QuickSilver credit card with only XXXX limit, and keep saying they sent card out .That i can activate it now.I called in about Quick Silver card twice, and last represented illegal guy XXXX ask for my whole SS # i said thats fraudulent, i should only need give my last four numbers.He said i can't check account on QuickSilver, unless i give my SS # all my numbers, so i did..He said he fix few things and said he can raise my limit higher, and get my cards out in mail to XXXX XXXX ASAP.He ask if i wanted to activate cards now, i said heck no, i not even got cards.But in text message say its at XXXX XXXX XXXXXXXX XXXX, and Our XXXX XXXX  is over XXXX miles away, it is very expensive to drive XXXX XXXX, i had half tank i left XXXX XXXX to get mail, No Capital one QuickSilver  Credit Cards.I had to put XXXX dollars in off my Platinum  C/C , ..Capital one owes me XXXX bucks reimbursement on my card, for lying cards in mail.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am the payee for my XXXX XXXX XXXX XXXX check. I deposited his check on XX/XX/year>. All Funds are usually available within XXXX hours. On XX/XX/XXXX, I contacted the bank because the account was showing a - {$590.00} balance. I was advised that a hold was on the check and it would be released on XX/XX/year>. On XX/XX/year>, I called again to inquire about the hold and was advised that there was a {$290.00} Garnishment on me ( not my son ) and that I needed to contact the creditor. I contracted the creditor immediately and was advised that my final payment was received on XX/XX/year> in the amount of {$290.00} and my account was paid in full. I contacted Capital One to let them know that the account was settled a month prior to them taking my sons funds. I was told the creditor would need to fax them a letter. I provided the creditor with the information I was given. Capital One advised me this morning that they received the letter from the creditor but could not release the funds until they received a signed letter from the court. I told them I have a release letter from the court but they will not accept it because it doesnt have a judges signature. I spoke with the Clerk of the Court and they only provide a generic release letter. I was never properly notified by Capital One that I had a garnishment, and they took money from an account that was solely setup for my XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-04
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XX/XX/year>
Consumer complaint received 2023-07-07
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below las 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 report ... agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency n. make any consumer report containing any of the following items of information Any other adverse item of information, other than records XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-30
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: OneMain Finance Corporation (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (TX)

In XXXX or XXXX, a loan was taken out fraudulently using my personal information. When I became aware of this fraudulent loan I immediately notified money lion and made them aware of the situation however upon doing so I have not been able to rectify the situation even though they have previously received from me FTC reports police reports FBI reports as well as other documentation showing that I was the victim of identity theft. Also the loan was deposited into a fraudulent bank account with XXXX this account has subsequently been closed because it was determined that this account was in fact opened fraudulently. Unfortunately I have not been able to get money lion to take this off my credit report and thus it is causing a negative tremendous impact on my credit score. Also I have provided them information showing them that my information was bought and sold on the dark web over XXXX times of which included my email address password to my email address along with other various accounts along with the passwords so the individuals that were responsible for this had access to my personal information along with my email address and other information allowing them to open this account however I'm still not able to remove it because XXXX refuses to accept any documentation by not providing a number a fax a link or any other type information to which I can send this information to them. I have attempted several times over and over to get this removed and to get some type of cooperation from moneylion however all of it has been done to no avail
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I notified all three credit bureaus of falsely reported information on my reports and they all failed to investigate and respond within 30 days. I have also contacted the furnishers of the information and they also failed to respond in 30 days. The FCRA states that if they do not complete their investigation in 30 days then they must delete the information in question. I have requested an investigation and their findings and I have not heard anything back from either bureau. I also sent them all documents needed to verify my identity as well as a detailed description of what's wrong and they failed on each account to correct the problem.
Consumer complaint received 2024-07-30
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: CITIBANK, N.A. (TX)

On XX/XX/2024, I received a message from Citi regarding a potential fraudulent charge. The charge was for charging an electric vehicle some place outside of XXXX where I live. I do not own an EV nor has there ever been an EV charge on my account. I have plenty of gas station charges, however. I immediately called and confirmed that this was in fact a fraudulent charge. I closed the account, and they reissued another card and account number. 

Fast forward, they reversed the credit they issued. I called on XX/XX/XXXX when I noticed this. They told me that the merchant sent in a receipt for the charge. The receipt is nothing more than a receipt. No signature. It is not sufficient evidence ( I am an XXXX ) to support I was there and made the charge. On the call, I explained that a receipt does not mean I made the purchase. They agreed and were supposed to give me credit. 

I just received my statement yesterday on XX/XX/XXXX. The credit has been reversed again! I talked with a few people at Citi yesterday and was told that because I did not respond to a letter they sent by XX/XX/XXXX, it was my fault. I called them on XX/XX/XXXX which they have noted in the system. I explained again that this charge should never have been on my account since they knew it was fraudulent even before I did. I called immediately to confirm it was fraudulent. They are now saying they will resubmit the credit again and it will take XXXX  days to receive. This is outrageous! I have spent XXXX hours on this already, and they are hoping to wear me down or I will forget. This is not ethical in any way. 

PLEASE investigate Citi. I feel certain this is probably more widespread than me given the reponses from employees. THis is not a mistake. This is their practice now. You could ask for all their fraudulent transaction flags, the list of customers that called to confirm the charges were fraudulent, and then see that they continued to charge the customer hoping they would not notice. ( I am an XXXX. ) They are scamming consumers!!! And it's not right. I have never had an issue like this with a fraudulent charge. Typically, if the company knows it is fraudulent, the charge never hits the account. Also, please encourage consumers to check their statements very carefully.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a debt on my credit report that is not mine. It has nothing to do with me and the credit reporting agency stated that it is my debt. It is not. So I re disputed the case. I asked them to provide validation of the debt which they have not done and its been over 45 days since the initial request. Law states that they have to give you some form of resolution or addendum that it will be taking longer and reasons why it would be taking longer.