davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

On XX/XX/XXXX, XXXX XXXX, came to my home selling XXXX XXXX XXXX. I informed XXXX I was not interested as I have no issues with my current XXXXXXXX XXXX XXXX told me I could compare both systems next to one another to give their system a fair comparison during a trial period. I accepted the trial period and told Tre I wanted all features that I have with XXXX to adequately compare systems. From day one, XXXX had given me issues starting with their technicians XXXX XXXX and XXXX XXXX. They removed much of my XXXX equipment, damaged some of that equipment, and caused damages to several of the walls in my home. I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX complaining of my issues. On XX/XX/XXXX and XXXX, I called to cancel my account during my trial period, and XXXX XXXX told me they would extend my trial period since all equipment had not been installed by day 3 of my trial. When it was determined by their service technician XXXX on XXXX that XXXX 's equipment was not compatible with the electrical design of home, I called to cancel this day and supervisor XXXX tells me he will Cashapp me the money to pay for whatever repairs I needed to keep me with XXXX. XXXX assures me he will get in contact with XXXX to better understand what was not compatible. Of course, I never hear from XXXX again. On XX/XX/XXXX I call to cancel for good and supervisor XXXX tells me that I now must pay for the equipment through Citizens Pay because I am past the 3-day trial period. XXXX lied and used deceptive sale tactics to keep me past the trial period. XXXX XXXX and other XXXX employees made several promises just to keep with their company and they never accommodated my needs. Not only did I not use the {$1000.00} Buy-out money, but all accessible equipment has also been removed and uninstalled. However, their claims department tried to resolve my damaged equipment caused by XXXX XXXX but I no longer wanted to accept their lies, so I paid for the damages they caused to my home. XXXX is fully aware that their sales representatives use deceptive sales tactics, and will tell consumers anything to make a sale. XXXX takes no accountability for the lies their sales reps tells, and ignores consumer complaints even when they provide credible evidence.
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a bill from Capital One for account # XXXX, that was opened on XX/XX/24, using my name and address. I did not open this account and do not know who did. I contacted the Capital One customer service and was connected with the fraud representative. The representative could not close the account and said it would be investigated. Whoever is using the account has my email and continues to order items on the account because I see shipping info on my email. This is obviously a fraudulent account and should be stopped immediately. I will not be responsible for any charges on the account.
Consumer complaint received 2024-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This company violated my privacy and per the FCRA unauthorized inquires such as these can result in statutory damages of {$1000.00} Per violation which is a violation of 15 USC 1681n. See attached documents.
Consumer complaint received 2024-07-05
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. (PA)

I have identified information on my consumer report that are result of identity theft, these items are not related to any transaction completed by me the consumer. 

Pursuant to 15 U.S.C. 1581b 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. with that being stated if they can not produce a written affidavit signed by me with a wet signature all the following should be removed from my consumer report. 

InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

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 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, California, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1900.00} Party Owed : XXXX XXXX XXXX Amount : {$300.00} Party Owed : XXXX XXXX XXXX XXXX Amount : {$3800.00} I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting it be removed immediately.
Consumer complaint received 2024-07-05
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (FL)

I applied for an Income-driven repayment plan on studentaid.gov on XX/XX/29. According to studentaid.gov, it was already processed and accepted by my servicer ( Edfinancial ) which is not the case. I can find no indication of it anywhere on my Edfinancial account, and they still have me on my original repayment plan. It's been almost two months so I ended up applying again a couple of days ago, but with payments restarting soon I worry it won't be processed in time.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Experian Information Solutions Inc. (NC)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-08
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. (GA)

I am reporting XXXX XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to zero per their service agreement. The same information ( XXXX, XXXX, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to zero for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as zero as the Internal Revenue Service has been notified and also it must be updated to zero balance on credit with no lates. I am requiring this to be updated with XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Experian, XXXX. XXXX, and XXXX. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND ZERO BALANCE
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I'M XXXX  YEARS OLD I STAYED AT THIS ADDRESS FOR OVER XXXX  YEARS NOW I HAVE A DIFFENT ADRESS ON MY CREDIT REPORTS AS XXXX XXXX XXXX XXXX AND ALSO XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX FRAUDULENT INFO
.I NEEDTHIS TO BE REMOVE OFF MY CREDIT REPOTT I HAVE CONTACTED BOTH CREDIT BUREAUS 
CAN YOU'LL HELP ME 
THANKS
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am disputing all CAPITOL ONE, as my information was used for identify fraudulent, I have disputed many of times and my Credit Attorney says this is very unlawful to report inaccurate Information on my report. FCRA violation please research and send proof.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I recently had all of my student loans discharged. I informed Experian, XXXX and XXXX of this and sent them documentation that proves this and they have not updated the information to reflect the loans as having a XXXX balance.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

I sent an email to XXXX last week requesting to file a complaint against Midland Credit Management for their illegal collection practices. 

Today XX/XX/year>, my mortgage company informed me that MCM has sold the remaining balance ( {$390.00} ) to another collection company ( XXXX XXXX ). 

Midland Credit Management and I agreed to settle this account in full on XX/XX/year> for {$830.00}, which I immediately paid. They have since refused to give me a receipt. 
I found out today that they sold the remaining balance to another collection company. This is completely illegal and immoral at every degree. 

Again, I am requesting that a criminal complaint be filed against Midland Credit Management Services for its illegal actions taken in this matter. Because, I am sure it is illegal for MCM to agree to except a settlement as full payment and then sell the remaining balance to different collection agency. 

I would greatly appreciate any help you may be able to offer in resolving this matter, as the illegal actions taken by MCM have seriously hindered my ability to complete the purchase of my new home. Thank you. 


Respectfully Submitted, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Acct. # XXXX Midland Credit Management ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ID : XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This is really detrimental to my overall well-being, I keep seeing inaccurate information on my credit report which is causing me immense stress. I thought the economy was bad, but after looking at my credit report it is clear which is way worse. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX account on XX/XX/year> a Debt collector named " XXXX XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX acting on behalf of Captial One or " 08 CAPITAL ONE N A '' placed a debt collection on my account for {$460.00}. 

this account is not mine and is inaccurate, not mine, not reporting correctly and is violating multiple FCRA laws including FCRA 's [ 15 U.S.C. 1681s-2 ] section 623 ( a ). 

In order for a debt to be on a consumers credit report, that consumer must either have been the account holder or a joint account holder ( also referred to as a co-maker ) and not just a authorized user.
Consumer complaint received 2024-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

Account is reporting a date open of XX/XX/XXXX but date of last activity is reporting XX/XX/XXXX on XXXX. Inaccurate information being reported on each credit bureau. Date of last payment is reporting XX/XX/XXXX on XXXX and no date reported on XXXX.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have filed multiple complaints against this company, And they continue to not rectify the issues. I am going to continue to file a complaint and until I can get what I asked for over a year ago. I have repeatedly asked for information regarding payment plans and to be on a payment plan because I am living on XXXX forced medical income. I can not afford to pay the amount that they are asking and I am willing to work with them if I can pay {$50.00} a month on the account ending in XXXX. I set this account up on a payment plan on XX/XX/year>, Then this company denied that theyre even was a payment plan, but they were not charging me fees for past due, They were taking the money and not charging the account any late fees. Then they turned around and said there was never anything in place, which is not true because Ive provided ample information stating that it was in place when I filed my first complaint against this company then they started charging me past due fees. I am wanting to be on a payment plan of {$50.00} a month, I am offering that in good stead, But this company refuses to work with me. I could take it to court and I know that I would get what Im asking for, I could also ask for all the time and energy and fees, and everything else from a judge in small claims, And then I would tack the money on because of the time, work, And trying to get this rectified. If they really wanted to get this rectified, they would offer me a payment plan to be able to do this. They say they have multiple payment plans in place under their company name, But anytime I have asked to be on this they refuse to put me on it. Then they turn around and credit as Im not trying to work with them and be cooperative with them. This company never offers me anything even though I am trying so, If they are not willing to offer me a payment plan, These are the options that are on the table, I will ask for a forbearance for the entire amount and I will cease pain anymore because you refused to work with me. The other option is I take to court judge and I sue you for all my time and energy and present to the judge all of the documentation that I have in trying to work with you, but you failed to work with me. Those are the options on the table.
Consumer complaint received 2024-06-27
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. (SC)

" 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"