davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, CT XXXX XXXX Account number XXXX Routing number XXXX Dear Management, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to formally address a serious issue regarding my account with Capital One, account number XXXX and routing number XXXX. Several months ago, I encountered difficulties with the physical verification process required by your institution. Despite numerous attempts to comply it by online, including multiple submissions of my passport via the online verification link provided, I faced persistent challenges due to my current location outside of the United States. Regrettably, this situation culminated in the closure of my account as determined by your verification department. What concerns me most is the substantial amount of {$8200.00} that remains in the now-closed account. I have contacted helpline multiple times regarding this matter ; however, I have been informed that my account is closed and that an inquiry is ongoing. As a long-standing customer who chose Capital One based on its reputation for serving foreign customers, I am disheartened by the difficulties I have faced. I kindly request that your management take immediate action to rectify this situation. I would greatly appreciate the prompt transfer of my funds to my business account, which is already linked to Capital One. The details for the transfer are as follows : - Bank Name : XXXX XXXX  - Address : XXXX, CT XXXX - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Routing Number : XXXX The funds in question represent a significant amount for me, and I urge you to consider my situation with empathy and urgency. I am hopeful for a swift resolution to this matter, which would restore my faith in your institution 's commitment to customer service. Routing Number : XXXX The funds in question represent a significant amount for me, and I urge you to consider my situation with empathy and urgency. I am hopeful for a swift resolution to this matter, which would restore my faith in your institution 's commitment to customer service. Thank you for your attention to this critical issue. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I am filing a complaint against LVNV Funding, LLC because they have not corrected this account that appears on my [ XXXX, XXXX, XXXX ] consumer report. I provided LVNV Funding, LLC proof that I am a victim of fraud and identity theft. They have failed to remove this account from my credit report. This is a violation of the FDCPA and FCRA. I provided them with a completed Fraud and Identity Theft Affidavit and proof of residency of the time of this alleged account was opened. As mentioned in my affidavit, my information was stolen from the many recent data breaches and someone is using my name with different addresses to open accounts fraudulently. I have never lived in Texas or the address LVNV Funding, LLC has on file. I ask the CFPB to investigate this company. They are asking me to file a police report, however, I dont know who hacked me and stole my identity. I provided the same information to other creditors, and they removed the fraudulent information from my credit report. I ask that LVNV Funding, LLC remove this account from my credit report and comply with the FDCPA and FCRA.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

In the months of XXXX and XXXX my credit report shows every time I used the card and my balance increased but still to today it doesnt show that the balance has been paid down or off Ive called the card provider and the reporting agency. I havent received any confirmation of the problem being resolved.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 XXXXXXXX
Consumer complaint received 2022-11-29
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: CLGF Holdco 1, LLC (MO)

Monday, XX/XX/2022 at XXXX - received an email and text notification from XXXX XXXX saying there is a new inquiry on my XXXX credit report. After checking my XXXX XXXX account I saw that there is a new hard inquiry dated XX/XX/2022 from FEBDestiny. Location address shown on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone number listed is XXXX. Inquiry type shows as Individual. I immediately called the number XXXX as listed. A recording says that number is disconnected. I looked online for Destiny Bank and found a toll-free number listed as XXXX. Recording at that number said to call within normal business hours and immediately disconnected. 

Tuesday, XX/XX/2022 at XXXX - I called the number to Desitny Bank to ask about the inquiry. Using my name, last four digits of my social and date of birth they claimed that they have no accounts listed under my name. They suggested that I call XXXX. 

Tuesday, XX/XX/2022 at XXXX - I called XXXX. XXXX is able to see the inquiry and suggested three actions : 1 ) XXXX offered to notify Destiny Bank of the fraudulent activity which I asked them to do for me. 2 ) They suggested that I call the creditor which I informed them I had already done. 3 ) File a police report and file a report with the FTC, which I am doing now at XXXX. 

I also put a freeze on my credit to prevent future applications and inquiries. 

I would like this hard inquiry immediately removed from my credit report as I did not request any new credit from Destiny Bank or any other creditors in the past several months. 

I would also like to ensure that no accounts or other credit activities have taken place as a result of this inquiry. 

If possible, I would like to know who accessed my credit information and how they obtained my personal information to access my credit account.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Second Request for Investigation of Inaccurate Late Payments Reported by XXXX XXXX XXXX XXXX. 

( Fair Credit Reporting Act 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) ) I am writing to formally request your assistance in resolving an issue with inaccurate late payment reporting by XXXX XXXX XXXX XXXX. This letter serves as my second request after an initial dispute with the credit bureaus and XXXX XXXX XXXX XXXX failed to resolve the matter. 

As a co-signer on my son 's student loans, I am responsible for ensuring the monthly payments are made. Maintaining an excellent on-time payment history is critical to me, and this erroneous reporting is damaging my otherwise flawless credit record. 

The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) The issue involves a reported 60-day late payment for XX/XX/XXXX. However, my records indicate that I was : On time for XX/XX/XXXX, Incorrectly marked as 60 days late for XX/XX/XXXX, and On time for XXXX, XXXX, and XX/XX/XXXX. 

This discrepancy suggests that the late payment for XX/XX/XXXX is an error. Under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act, I have the right to dispute this inaccurate information. Despite my previous efforts, XXXX XXXX has not provided accurate verification of this late payment, and it continues to negatively impact my credit.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 


XXXXXXXX XXXX # XXXX has violated my rights. 

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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX. USAA DID NOT INVESTIGATE. 60 DAYS LAW GIVES BANKS TO RESOLVE FRAUD NOT FOLLOWED BY USAA. see attatched XX/XX/XXXX STATEMENT. **?? NO BEGINNING FRAUD INVESTIGATION CREDITS PROVIDED TO MAKE PERMANET. NO INVESTIGATION PROVIDED. see attatched STATEMENT XX/XX/XXXX ** ALL XX/XX/XXXX TRANSACTIONS ARE DUPLICATE CHARGES XXXX {$340.00} AND XXXX XXXX TOTAL {$470.00} TOTAL DUPLICATE CHARGES {$810.00} 1 ) USAA DID NOT INVESTIGATE FRAUD I REPORTED XX/XX/XXXX. 2 ) USAA DID NOT PROVIDE USAA CREDITS TO INVESTIGATE. 3 ) USAA POSTED DUPLICATE TRANSACTIONS OF XX/XX/XXXX XX/XX/XXXX {$810.00}.
Consumer complaint received 2024-10-09
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. (NY)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 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 2023-07-06
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 



XXXX XXXX  XXXX Account number XXXXXXXXXXXXXXXXX - IDENTITY THEFT XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX XXXX  XXXX Account number XXXX - IDENTITY THEFT 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 Account Number : XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've recently received my credit report and noticed several inaccuracies and unauthorized account/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.