davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My funds were accessible XX/XX/XXXX call the company on the XXXX they went ahead and based on responses that close my account and then withheld my money with that XXXX I called today at XX/XX/XXXX no explanation or XXXX no documentation or justification. 

I need you
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CA)

In accordance with the Fair Credit Reporting act Convergent XXXX : XXXX Account XXXX 9940, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The company has not recorded payments correctly, They have added excessive fees when there was none due. They have charged me for storage fees in XXXX of XX/XX/2022when I had my truck. I made approximately 18 payments in the past year, yet, they are reporting my account as delinquent. 

When I call the company they just brush me off and do not do anything about my complaint.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX : {$310.00}
Consumer complaint received 2024-10-04
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. (MN)

I have send multiple times throughout the pass months. They never showed validation of debt or the investigation process used. Meanwhile, They've never response back to any dispute letter sent to them. Regarding the inaccurate accounts on my credit repair.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-04
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. (PR)

In accordance with the Fair Credit Reporting act XXXX Account 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.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (MD)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-04
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)

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Consumer complaint received 2024-09-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

In XXXX, XXXX  phone call from Bank of America stating there was suspicious activity on my account. Charges were to XXXX, XXXX for {$91.00}. I agreed these were fraudulent charges and filled out an online dispute. On XX/XX/XXXX, I received a letter from the company saying the pending transactions that were reported had never posted to my account. The letter ended with the company saying account was resolved. Still on XX/XX/year>, at XXXXXXXX XXXXI called to report that the charges were still on my account. I was told this would be resolved in 2 business days. Still the charges were not removed. I called again on XXXX XXXX at XXXXXXXX XXXX XXXXand talked to another person and a supervisor. I was told that a temporary credit would be on my account because of fraud. This action was never taken. 
On XXXX XXXX, I saw another fraudulent charge on my account from XXXX XXXX, XXXX XXXX for {$16.00}. I filed a dispute on that, and it was resolved with a credit for XXXX XXXX.However, my original dispute has never been resolved for {$91.00}. Online messages from the company said we would receive notifications of dispute status and explanation, but this has not occurred, instead, we have been charged interest and fees for not paying these fraudulent charges. Also our credit reports from all three major companies has been lowered for these disputed charges. 
Most recently on XX/XX/year>, I called the fraud department again. I was told by an agent that another investigation would be opened. I asked for someone to tell us why these charges have not been removed. No explanation give ; no communication received. My husband and I sent a letter on XXXX XXXX, to Bank of America Claims Resolution Dept XXXX XXXXXXXX XXXX XXXX XXXX XXXX. No response from letter.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (IL)

I discovered inaccurate data on my credit report that pertains to 15 USC 16c-2. This information is impacting my credit, and I did not authorize the inquiries in question.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The balance on my credit account has been reported incorrectly. I attached a copy of the balance update letter dated for today XXXX. The other 2 credit bureau 's ( XXXX  and XXXX ) have reported it correctly. 

This is hurting my ability to obtain credit.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My wallet was stolen from my car In XX/XX/year> with all of my information including my social. I noticed information on my credit report that is inaccurate and that I had no knowledge of. They are the following : XXXX XXXX XXXX {$730.00} XXXX XXXX {$260.00} XXXX XXXX  {$3500.00} XXXX XXXX  {$450.00} XXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-10-04
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)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 
Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Personal Information :
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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. XXXXXXXX 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 2024-10-03
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: EQUIFAX, INC. (NV)

RE : Unauthorized Credit Inquiry XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX I have recently obtained a copy of my credit report XXXX, XXXX, Equifax. It shows credit inquiry by your these company 's that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Consumer complaint received 2022-04-14
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. (TX)

I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing XXXX XXXX I am going to sue XXXX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED
Consumer complaint received 2022-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

I applied for PSLF during the first round of forgiveness and was denied. I re-applied at the beginning of the eligibility period in XXXX 2022 and mailed my application in. I checked on the status of my loan several times, but was told it was in-process. At some point in the summer of 2022 ( XXXX maybe ) I received notification that MOHELA was taking over the PSLF process and to contact them. I contacted MOHELA by phone in XXXX 2022 and was told MOHELA was waiting on Department of Ed to transfer my information to them, but was assured that the process would be completed by the end of XX/XX/2022. On XXXX XXXX, 2022, I emailed MOHELA to ask about the status of my application, but did not receive a reply. I called them at some point in XXXX 2022 and was told MOHELA does not have payment counts on file for me and my current loans to not qualify. I explained several times over successive phone calls that I have XXXX  sets of loans, an XXXX set from XXXX years ago and my current XXXX school loans, but each time I called, they told me I was ineligible. I gathered my payment counts as best as I could, made formal requests from old servicers, and uploaded my screenshots of payment counts on XX/XX/ 2022. I wrote a formal complaint letter to MOHELA and uploaded it on XXXX XXXX, 2022 as a complaint in MOHELA 's system. I made the same complaint to the Department of Education. During subsequent phone call with MOHELA, they told me I need to consolidate all of my loans before XX/XX/ 2022, and that my XXXX and XXXX school loans could be rolled into one consolidation loan. I was assured that this would smooth the process and make it faster, but that I also needed to re-submit a PSLF application for some reason. I applied for a XXXX time and submitted my documentation on XX/XX/ 2022. I also applied for consolidation at the same time. After I applied and was approved for consolidation, I found out from XXXXXXXX that the consolidation loan only covers the remaining {$3000.00} balance on my XXXX loans. It did not include the XXXX  school loans. This was the most recent of many misrepresentations made by MOHELA customer service agents. This entire process has been XXXX unconscionable, and insane and I have been dealing with it for nearly a year. I attached a copy of the letter I sent to MOHELA with official payment counts from my old XXXX loan servicers. The remaining {$3000.00} balance was just paid to XXXX a few days ago via the consolidation loan.
Consumer complaint received 2024-10-04
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. (TX)

XXXX XXXX XXXX XXXX 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 I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-04
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)

FINAL NOTICE RE : DEMAND FOR DELETION OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX act 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role WHERE DO YOU GET YOUR AUTHORITY Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file. 
Per the FCRA, I am entitled to have a fair and accurate credit report.

1974 PRVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A cra can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information 1. Notice requirements ; The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information 1. Notice to consumer is required 1. In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
The below listed items are incorrect and are causing irreparable harm and distress because of your predatory business practices. 
Any continued reporting would be another violation, 15 US code & 1681n, knowingly, violating consumer lawyer, and Calif business professional code XXXX. 
These items are as follows
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX  account # 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.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am filing this FTC identity theft Affidavit to report fraudulent inquiries on my Consumer FICO score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (GA)

Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''