davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (NV)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The Company states i owe credit card balance from a Credit Card I DID NOT apply for. I report this as Identity Theft. The Company was asked to send me proof of my signature of the application and did not send any information to support the accusations.
Consumer complaint received 2024-09-13
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. (MI)

To Whom It XXXX Concern, I must insist that you promptly eliminate any unsubstantiated assertions mentioned either above or below in your documentation. To be eligible to disseminate alleged information, you are required to satisfy the basic criteria. I categorically reject the legitimacy of any statements that lack verifiable evidence, even if they adhere to the requisite reporting protocols stipulated for certification. This includes adherence to the indispensable XXXX XXXX Compliance guidelines outlined by XXXX in their XXXX, which unequivocally declares that any departure from these norms poses a threat to the veracity of the data. Listed below are the Inquiries that are being challenged. 

XXXX - XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX FCU - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

Equifax reps are XXXX  XXXX! All of a sudden, after no login issues earlier today, I'm unable to login nor get a credit report ANYWHERE! My credit union needed the fraud alert removed so they could access my report. They reach out to me twice saying they can not access my accounts, Equifax says there's no locks on it but apparently THERE ARE! I'm XXXX off! I spoke to FOUR reps today and none of them should be working for a credit bureau, they're incompetent and useless. The XXXX system can't even verify me now and everything was working perfectly this morning! All they had me do was reset my XXXX password multiple times and send emails that it's resolved. Wasn't XXXX resolved and still isn't! I can't even have the XXXX credit union access my report now because of Equifax 's XXXX! This is the SECOND time this has happened to me, and I told XXXX of the incompetent reps that and that I knew it was far from a technical issue and they still spoke over me as if they knew what they were talking about when they didn't know XXXX. If I'm TELLING you this same EXACT thing has happened before, months ago, and what had to be done ON THE PHONE, which wasn't a XXXX technical issue at all, then don't XXXX tell me it's what YOU say it is. XXXX poor XXXX customer service and XXXX poor XXXX system of theirs, this needs to be fixed NOW!!!
Consumer complaint received 2024-08-14
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 noticed several unauthorized credit inquiries on my XXXX and Equifax credit reports. I followed protocol and called each of the companies who instructed me to contact the XXXX XXXX. The XXXX XXXX failed to investigate this matter and did not provide any supporting documents to indicate that they did not just produce an automated response that basically stated that they will not investigate and to contact the these individual companies again. 
I have notified both XXXX and Equifax that I have previously been a XXXX of identify theft and that from time to time unknown person ( XXXX ) attempt to run my XXXX in an attempt to see what they can get. I have also been the XXXX of several credit breaches through various sources and my information is out there! I depend on the XXXX XXXX to research these matters not simply produce an automated response that states that they can't help me but yet they allow my XXXX to be ran.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws under the FCRA ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically, the contract, note or other instrument bearing my signature, under FCRA Law. Failure to do so by XXXX, TRANSUNION, AND XXXX will result in my filing a lawsuit against you for a maximum amount of {$5000.00}. 

XXXX XXXX XXXX LATE PAYMENTS ON : XXXX AND XX/XX/XXXX Account number : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT TYPE : CREDIT CARD REASONING : I dont believe the status of this account is accurate. THis delinquency on my credit report should not be there. I demand proof that you went through all of the proper and logical steps that would have been lawfully necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report immediately. 

XXXX XXXX  BALANCE IS INCORRECT Account number : XXXX XXXX  : YOU MUST REPORT CORRECT BALANCE INFORMATION.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

My Equifax credit report shows none of my creditors have been updated since XX/XX/year>. This issue is only there for Equifax. All my credit accounts on XXXX and XXXX are updated monthly with no issues at all. I called in and did their ID verification by text ( scanned US Passport and selfie ) and they told me they couldn't verify me and to mail documents in. I'm not mailing anything to a company that had a breach. I asked to speak to a supervisor and after a long hold, I got a supervisor who told me I failed verification as soon as he got on the phone. I asked the supervisor what my name was to see if he actually had my credit report up and he didn't even know it ... All he kept doing was lying to me. The fact that this company outsources its support and supervisor to XXXX is insane. This is our personal information in the hands of foreigners... They already had one breach which I was a part of why risk another breach by outsourcing to foreigners when there are Americans who can do this job?
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

My Equifax credit report shows none of my creditors have been updated since XX/XX/2023. This issue is only there for Equifax. All my credit accounts on XXXX and XXXX are updated monthly with no issues at all. I called in and did their ID verification by text ( scanned XXXX Passport and selfie ) and they told me they couldn't verify me and to mail documents in. I'm not mailing anything to a company that had a breach. I asked to speak to a supervisor and after a long hold, I got a supervisor who told me I failed verification as soon as he got on the phone. I asked the supervisor what my name was to see if he actually had my credit report up and he didn't even know it ... All he kept doing was lying to me. The fact that this company outsources its support and supervisor to XXXX is insane. This is our personal information in the hands of foreigners... They already had XXXX breach which I was a part of why risk another breach by outsourcing to foreigners when there are Americans who can do this job?
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX A XXXX, XXXX XXXX, XXXX XXXX. I demand the removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

The Company states i owe credit card balance from a Credit Card I DID NOT apply for. I report this as Identity Theft. The Company was asked to send me proof of my signature of the application and did not send any information to support the accusations.
Consumer complaint received 2023-08-16
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: Resurgent Capital Services L.P. (AL)

According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.

Im allegedly obligated, not obligated.

You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.
Consumer complaint received 2024-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i've had a HELOC account with Bank of America since XXXX. On XXXX. XXXX, XXXX I wrote a check from this HELOC account to the IRS in the amount of {$100000.00}. On XX/XX/XXXX - I received Form 2287 ( Check Payment Not Accepted by Bank ) from the IRS : " The bank did not accept the enclosed check/payment because : No ACCOUNT ''. 

When I called Bank of America, the explanation for the check not being accepted was because the account number from my HELOC account was changed due to a system upgrade in XXXX. Bank of America sent me the system upgrade disclosure letter sent to consumers holding HELOC accounts- the letter has no disclosure to order new checks nor is there any disclosure that the old checks will not be accepted. 

I subsequently paid the IRS the original tax amount of {$100000.00} and an additional {$6400.00} in penalties and interest. 

After
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.
Consumer complaint received 2023-11-08
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. (WI)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I wrote a check from my Bank of America business checking account for my quarterly IRS tax payment in XX/XX/year>. The check was in the amount of {$25000.00} and was made out to the United States Treasury. The check was placed in the mail to be sent to the IRS. I checked my statement later that month and saw that the appropriate amount ( the amount I had written the check for ) had been deducted from my account so nothing seemed out of the ordinary. When it was time to do my yearly taxes it was discovered that the IRS had not received one of my checks. I subsequently found out that the check I had written presumably had been stolen from the mail and the " pay to '' line had been altered as well as the memo line and it was processed through the bank with the money going to a completely different company and presumably to the person who stole the check. As soon as I realized what happened I notified the bank and filed an official claim to have the matter reviewed and requested the money be reimbursed. After 90 days I was informed the claim was denied because it was was not brought to the banks attention within 60 days. I filed an appeal which was also denied. I feel I did what is reasonably expected of a banking customer with regards to reviewing bank statements but I feel like Bank of America did not at all do what would be reasonably expected from a financial banking institution in that they processed a check that was OBVIOUSLY altered and would have been completely out of my spending habits to have written a check the way it was ultimately forged and therefore the bank should have alerted me to a possible check fraud situation especially for the amount that the check was written. I believe the bank absolutely holds some responsibility in this matter but is denying any efforts for me to recover the money on the basis that more than 60 days went by before the fraud was realized which again I feel was also their responsibility
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This Claim is in response and coupled with CFPB.gov complaint number XXXX. The prior complaint number listed was unjustly closed out by the CFPB as the Dishonorable actions by CAPITAL ONE were done to hinder, delay, not comply to the complaint submitted by I, an aggrieved man, the implied XXXX of XXXX XXXX XXXX have tried repeatedly to correct the misinformation being reported on the consumer reporting of this account XXXX XXXX XXXX XXXX which was closed down haste. A settlement for the amount outstanding was submitted once in XXXX of XXXX in the form of a REMITTANCE COUPON. 
XXXX of XXXX CAPITAL ONE issued a statement not reflecting the REMITTANCE COUPON debt Set/Off as provided by any and all credit, loan providers. Another REMITTANCE COUPON was mailed in XXXX of XXXX and still no reflected settlement amount on the statement to demonstrate any amounts or balances to reflect the su'bmittal of said debt set off remittance coupon as provided. Upon CAPITAL ONE 'S closing and chargeoff status updated to corresponding consumer data furnishing companies.

A 1099-A was then filed via IRS form online to acquire the debt from CAPITAL ONE who which should have already filled, filed, submitted and mailed a copy to I, in the form of a 1099-C. Upon request CAPITAL ONE still has not provided nor acknowledged such a form or credit the prior 2 remittance submissions and IRS form submission in the form of an 1099-A. Instead LIED about a person named in last complaint was not listed or recognized and a signer, representative to legally be able to conduct any form of business. Who that individual is still has not been named or pointed out to myself. Nowhere listed on any documentation that CAPITAL ONE mailed has any evidence demonstrating this alleged person. 
This COMPLAINT HAS NOW BECOME A BILLING DISPUTE ERROR. CAPITAL ONE and corresponding consumer reporting companies must update the status of this account immediately to show as not charged off, no late statuses, no amounts in the form of late fees, interest, etc any related to this account.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I went through XXXX XXXX relief to resolve this issue. I paid my debt off at the negotiated price and did not know it would show up on my credit report as a charge off. 

In accordance with the Fair credit Reporting act the following creditor have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A. it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WV)

On XX/XX/XXXX, I submitted the attached application to switch my repayment plan from SAVE to IBR. I have attached my XXXX Tax Transcript. My payments should be {$350.00} per month, per the Loan Simulator at XXXX. Please see attached. The purpose of this complaint is to request that MOHELA immediately place me into a processing forbearance for sixty days so that XXXX of XXXX and XXXX of XXXX will count for PSLF purposes, per the attached guidance. I sent an email to MOHELA on XX/XX/XXXX, making this request. I have not received a response as of yet. Please see attached.
Consumer complaint received 2024-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.