davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
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. (FL)

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than XXXX occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate. 

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2024-08-28
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. (CO)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

On XXXX XX/XX/XXXX I received a warning from XXXX XXXX XXXX that Discover Card had reported me for an unpaid bill after 60 days due. I have had a Discover card since XXXX, and I have never missed a single payment, so I thought it was fraud. 
Though I use the credit card irregularly, I had agreed to paperless billing on the conditions that they would send me email alerts when a statement was posted or a bill was due ; I have always paid the full balance of the statement before due date. I attach screenshots of the XXXX report ( via XXXX ) and of the Discover website with checkmarks showing that I was due to be sent these email alerts to my work email ( which has not changed ). I also attach a screenshot with a search for all incoming Discover emails. It shows that I received none of these required notices after XX/XX/XXXX. 
I called Discover Card immediately. I found that my husband had used the card twice in XXXX of this year, and I would have paid for them as soon as the statement came due - but Discover sent me no notices of posted statements or bills due. As I use the card infrequently, I noticed nothing wrong, since they don't post statements if the card isn't used, and as they no longer send paper statement, I had no idea that the bill was due. What is more, they obviously could contact me, since they were sending me advertisements for their services and new cashback bonuses. 
Their representative agreed to eliminate the penalties I had been assessed over the past XXXX months without knowing it, as she admitted that their web service department had always had the correct email address for me, and that I had required that they notify me of statements and bills due, and they had not done it. In fact, I paid the full bill due, with penalties and interest, that very moment online, in order to make sure that they could not hold it against me that I had not. ( I have no idea whether I will really get the unfair penalty payment back, as she agreed, since I no longer trust Discover card. ) But she refused to notify the credit agencies that this delinquency in payment was due to an error on Discover 's part, not on my part. This means that Discover has ruined my otherwise perfect credit rating, due to their own incompetence, and they refuse to admit it or make recompense for it.
Consumer complaint received 2023-09-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

I did not give this company to transfer my account to a third party collections company without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$3400.00} DATE OPENED XX/XX/2019 NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
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: Experian Information Solutions Inc. (CO)

II paid off a loan with XXXX in XXXX. Theyve not updated my report. Ive called at least 4 times and waited over an hour each time. Last week I got through and was told there was a mistake on my account, but only a higher up could resolve it. I spoke to XXXX who acknowledged something is Very wrong. My account is not being reported to the credit bureaus. Ive disputed with them all, but XXXX will not release my information? They told me there was a suppression in 2022, but not any longer yet, they still refuse to release information or validate my dispute.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Upgrade, Inc. (WA)

XX/XX/XXXX - Upgrade pulled from checking account XXXX on an autopay for a payment that was already made prior. Payment amount was XXXX for a XXXX amount due. Contact to company to find XXXX why autopay was on when I was told in XX/XX/XXXX by same company they will turn off autopay on all XXXX accounts because of their pulling additional money at the time for XXXX other accounts. and XXXX why the additional pull when the amount paid initially was over the payment amount. Company has no explanation but said they would file a compliant. this is wrong on all levels that a business dealing with accounts including checking would have no oversight on this.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XXXX of XXXX, XXXX XXXX XXXX  listed a credit card account as charged off to all 3 credit bureaus. The account has remained as " charged off '' since and there has been no update to the status of the account, no payments made, and no card activity since XXXX XXXX. In early XXXX, XXXX XXXX XXXX  incorrectly reported the account as charged off XX/XX/XXXX. 

They have improperly changed the charge off date which has caused my credit score to drop across all XXXX bureaus. I was able to successfully dispute the record with XXXX but I am waiting to see what Equifax and XXXX will do. In the meantime, credit is damaged and I am concerned that my current limits may be cut or have my accounts closed as a result of this XXXX error.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal credit Union charge you three times online {$29.00} adding up to {$87.00} something that I did not authorize a charge that didn't authorize on my account and I had to pay it
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I disputed XXXX through XXXX. XXXX XXXX XXXX XXXX, navient, aidvantage ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. This company report late again in XX/XX/XXXX. I clearly ask them to mail be the form, the rep said ok in XX/XX/XXXX. All of a sudden, they emailed me the form and reported it yet when I question them. I did not ask for email, I called for an update and they simply do what they want to do. XXXX XXXX XXXX Navient Solutions LLC has been hit with a class action lawsuit alleging that it intentionally violated the Fair Credit Reporting Act ( FCRA ) and damaged the credit score of borrowers.Jul XXXX, XXXX, As a company they are suppose to offers all options, forbearance, income driven plan, or any other option available to the borrower, time and time again this company negligence impacts my credit score years later. It is not right at all. I was a victim of identity theft. I contact the company several times to update my info. please see attach ment
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

After Capitol One declined my credit application on XXXX XX/XX/year>, the company sold my credit information to unauthorized third party credit companies have contacted me without my permission by telephone beginning XXXX XX/XX/year>. Unscrupulous companies such as XXXX XXXX XXXX, and two others companies where representatives refuse to provide their companies ' tax identification number and physical addresses, indicate an active scam ring that purposefully targets me.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Request for Correction of Credit Report and Account Status Date : XX/XX/year> To : Capital One Customer Service XXXX XXXX XXXX Customer Service : Reference Number : XXXX XXXX, XXXX, and XXXX Subject : Request for Correction of Credit Report and Account Status Due to Erroneous Charge Dear Customer Service Representatives at Capital One, XXXX XXXX XXXX and the Credit Bureaus, I am writing to request a correction of my credit report and account status following an unintended impact on my Capital One Quicksilver account, resulting from a charge made by XXXXXXXX XXXX XXXX This charge, which was made in error, was subsequently reversed by XXXX 's XXXX. However, due to this transaction, my account was marked as exceeding its credit limit, which has negatively impacted my credit score and report. I would like to ensure that all records accurately reflect the resolution of this matter. 


Transaction Details On XX/XX/year>, my Capital One Quicksilver credit card was charged {$50.00} by XXXX XXXX XXXX. Realizing that this charge was not intended, I promptly contacted XXXX 's XXXX to reverse it. XXXX 's XXXX processed a full reversal of {$50.00} on XX/XX/year>. Despite this reversal, Capital One reported my account as exceeding the credit limit, resulting in an XXXX decrease in my XXXX score, which is now reflected in my credit report with XXXX, XXXX, and XXXX.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (TX)

My consumer report has inquiries made by online payday loan places that I have never gotten in touch with. They have my social security number and it was not by me. It's fraudulent information.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

citi bank, the issuer of best buy credit cards keeps reporting fraudulent and inaccurate information on my credit reports. as per IRS publication XXXX, its illegal to post income on a consumer report, as well as a charge off is considered income, therefore it can not be both income and debt. citi bank ( who issues BEST BUY credit card ) filed a 1099-C. please correct and delete immediately. i will take legal action if i have to.
Consumer complaint received 2023-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc. (TX)

XXXX XXXX XXXX XXXX was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. 
Neither provided no proof of the debt, but instead made a settlement options.

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.
Consumer complaint received 2023-09-16
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 (PA)

I filed a charge back with Capital One after the company XXXX XXXX XXXX XXXX ( XXXX ) had me pre-pay for a service, violated our contract by not performing that service ( they never showed up on our scheduled date and time ), and then not refunding my payment. At first, Capital One provided me with a credit. Then, they reversed the credit. I called and asked why, and they stated that it was reversed because XXXX lied and told them that I canceled the appointment. That is not true. I waited for the detailer to show up, and when no one showed up, I called XXXX and the agent said she couldnt get ahold of the detailer. She offered to reschedule, and that it would be with a different detailer, but she wouldnt be available to detail my car until days later. I declined and said I would like a refund since I didnt receive the service. She obliged and said she put in the refund and I would receive it in 7 to 10 business days. That time came and went, and when I would email XXXX they never responded. When I called, I would constantly get the runaround and agents would state my refund should have processed by now and that a manager would call me back. A manager never called me back. At this point, my only choice was to file a charge back with Capital One. This business ( XXXX ) has dozens of the same reviews on XXXX. That no one shows up to perform the service, and they never refund the customers. Im surprised that a company like Capital One believed their lies that I canceled the appointment.
Consumer complaint received 2023-09-17
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under 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!