davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Dear Consumer Financial Protection Bureau, I am writing to dispute the repossession of my vehicle by Capital One 's repossession department on XX/XX/2023. I was in the middle of a payment plan agreement with Capital One due to recent financial difficulties, which was agreed upon by a Capital One support representative. 

Unfortunately, I encountered issues electronically signing the payment plan agreement, which I attempted to resolve by contacting the support team several times. Despite my efforts, the agreement was broken, and the repossession department was notified. They informed me of a new agreement that included three payments of {$910.00} and a payment of {$600.00} due on XX/XX/XXXX. I was under the impression that the three {$910.00} payments were to catch up on my payments, and after these were made, I would continue with the {$600.00} payments. 

However, the repossession department waited until the first {$910.00} payment was already being drafted from my bank account to inform me that I had to make the {$600.00} payment on that day ( XX/XX/2023 ) to avoid repossession. I attempted to stop the {$910.00} payment, but this was not possible with XXXX XXXX at the time. Despite my efforts, the repossession of my vehicle was carried out by XXXX XXXX on XX/XX/2023. 

I dispute this repossession as I was in the middle of a payment plan agreement, and I had already made efforts to catch up on my payments. I also attempted to resolve the payment issues with Capital One support, but was unsuccessful. Furthermore, the repossession has caused significant financial and personal damages to my life, including my relationship with my landlord and my ability to access food and basic necessities. 

I urge the Consumer Financial Protection Bureau to investigate this matter and reinstate my lien on the wrongfully-repossessed vehicle. Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( XXXX ) treatment of inaccurate or unverifiable in formation ( A ) in XXXX, after any reinvestigation under paragraph ( XXXX ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2024-08-08
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. (CA)

I am writing to dispute and request the correction or removal of inaccurate information on my credit report. My personal information must be accurately reported in compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and the Consumer Data Industry Association 's ( CDIA ) Metro 2 compliance standards. 
Any misreported information that can not be verified must be deleted immediately. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, California XXXX. The following personal information on my credit report is incorrect and should be removed : Incorrect Name - XXXX XXXX XXXXXXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXX Incorrect XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX, Nevada, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, California, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2024-06-27
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. (NC)

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-27
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-08-05
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. (PA)

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 studying 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 XXXX out of XXXX 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. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (AL)

Recently, I went to open up a bank account and got denied. Upon my denial, I required information as to why I was denied for the account. According to the information I've received, I had several inquiries over the course of several months this year that I did not authorize. In fact, some were by the same companies. Under the Fair Credit Reporting Act, when referring to 15 US Code 1681b, this is a violation of my consumer rights as I have not authorized such inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

RE : XX/XX/XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim ofXX/XX/XXXX. The information listed below, that is currently listed on my credit report is a result of thatXX/XX/XXXX. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - XX/XX/XXXX Employer - XXXXXX/XX/XXXXEmployer -XX/XX/XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XX/XX/XXXXXXXX Listed below are the Collections that are being challenged XXXXXX/XX/XXXXXXXX Listed below are the Inquiries that are being challengedXX/XX/XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXXIN PERSONS OR XXXX XXXX XX/XX/XXXX. IF THE CONSUMER HAS PROVIDEDXX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin XXXX XXXX XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 XXXX instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have attempted to transfer some Capital One miles to an airline partner over the last 24 hours. I am a frequent traveler and well versed in converting points and miles from banks ( XXXX. XXXX, XXXX ) to airline and hotel rewards programs and have done so for years, including with Capital One, without incident. In attempting to transfer Capital One miles yesterday, I was unable to generate a two-factor authentication code to my cell phone. After several calls to Capital One and my phone provider ( XXXX XXXX who assured us nothing in our phone or carrier settings would prevent an automated code going to my wife 's phone from a 'short ' number ), I was unable to find a resolution to the issue. A quick internet search revealed dozens of other Capital One customers having the same issue dating back to XX/XX/year> when, seemingly, Capital One instituted more stringent security protocols around points/miles transfers. However, in doing so, they or their third-party contractor responsible for miles transfers to airline and hotel partners have created an IT issue whereby customers have no ability to a ) generate a code to their cell phones or b ) have another option for two-factor authentication such as a phone call or email ( as is customary with other financial institutions ). Effectively, my Capital One miles are locked at Capital One which violates the terms of their rewards program by providing consumers no option to transfer miles to Capital One 's travel partners should they be unable to generate a two-factor authentication code. Numerous posts on XXXX and XXXX ( links below ) share the same experience as we've had. 

To be clear, the issue occurs specifically when some users click " Convert Rewards '' within Capital One 's travel portal and are then redirected to a separate browser and asked to provide a phone number ( or confirm the one on the screen via the last four digits ) for a two-factor authentication code. In my case, an error message appears indicating the phone number is not recognized. I have had the same phone number for over a decade and have been a Capital One customer for several years ( and Ive used two-factor authentication with Capital One, but not since XX/XX/year> ). Four or five Capital One customer service representatives seemed puzzled by the issue and offered no workarounds ( including offering to transfer the miles on my behalf ). 

Links with reports of similar incidents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (IN)

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.

Has violated my rights. Or list of inquiries : XXXX XXXX 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 2024-06-24
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. (AZ)

Thank you for addressing some of the incorrect items on my file. However, there are still remaining items that need to be removed. According to FCRA section 605, you are required to remove any items listed in an Identity Theft Report. I am providing Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any incorrect information from my file within XXXX business days of receiving : ( 1 ) appropriate proof of my identity; and ( 2 ) a copy of the identity theft report. Please ensure the removal of the following items : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 -- -- -- -- -- TransUnion : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00}. I do not consent to XXXX or any automated verification methods. I expect your immediate attention to this matter and a response within XXXX business days.
Consumer complaint received 2024-06-24
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)

I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The company sent the statements to the wrong address. I have taken proactive measures to address this discrepancy by contacting the respective company associated with this account. I am pleased to inform you that after thorough investigation, this company have acknowledged the errors and have agreed to update my account and remove the late payments. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-24
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Went to file XXXX taxes, my tax professional asked about an IRA cash out of {$3300.00} that I did not cash out. After receiving this information I went into Huntington in XXXX XXXX XX/XX/XXXX and spoke to XXXX XXXX about the money missing from my IRA that I supposedly signed for and took out on XX/XX/XXXX. XXXX faxed copies of my H & R tax paperwork that I provided to XXXX XXXX the XXXXinancial advisor. A few years back XXXX had helped me invest money from my previous jobs XXXX, {$25000.00} was invested and {$3300.00} was left over. Looking back we never touched base on where the left over money would be going, when this all came about i found out it was put in a bank IRA. I was referred to XXXX XXXX who confirmed they have documentation of me cashing out the IRA. He said he would look into it and I never heard back. I then went into Huntington again for an update & XXXX XXXX said she was working on getting video footage of the day the IRA was cashed out, she said there should be footage of me in the office with XXXX doing the paperwork for the IRA cash out. XX/XX/XXXX I was told they don't keep video footage that far back but there was no record of my ID being scanned/swiped on the day of the cash out. XXXX later told me I should file a police report and the bank was closing their investigation. Police report was filed. Detective XXXX took on the investigation and informed me that Huntington would not release any information to him. It is now XX/XX/XXXX with no updates.