davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

After my first initial complaint theyve done nothing to validate the debt it is on the company reporting this information to make sure its 100 % correct the parties involved have not responded to any debt validation letters and now transunion is in violation of reporting false information please step in to further assist this have been a ongoing thing and they refuse to remove falsely reported information and is causing harm to my character and going along with this identity theft. 





According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my wet Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Okay, I will update the email to reflect there were three returned payments that you paid back : Subject : Complaint Regarding Closed Credit Card Account To whom it may concern, I am writing to submit a complaint regarding the recent closure of my credit card account with Capitol One ending in XXXX & XXXX. 

I have been a Capitol One credit card holder for over 3 years and have always paid my statement balance in full and on time each month. However, my account was abruptly closed by Capitol One due to three returned payments over the last few months. These returned payments were the result of my checking account being compromised by fraud, which I have reported to my bank and have documentation proving unauthorized charges were made. 

I contacted Capitol One immediately upon notification of each returned payment, explained the situation, and repaid the payments. I also provided documentation from my bank showing my checking account had been hacked each time. Despite repaying the returned payments and providing proof of fraud, Capitol One still chose to close my account. 

Closing my account without allowing me to dispute the returned payments or taking into account my long history as a good standing customer has negatively impacted my credit score and ability to obtain credit. I would like Capitol One to reopen my account given I have proof the returned payments were due to fraudulent activity on my checking account that was out of my control. 

Please assist me in getting Capitol One to properly investigate the situation and reconsider their decision to close my account. Having good credit is essential and this has caused undue harm that I am hoping can be corrected. 

Thank you for your assistance in this very important matter. Please let me know if you need any additional information or documentation from me. 

Regards, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-31
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-30
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)

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2018, Capital One put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end when I disputed the issue with a manager over the phone. They also failed to notify me that my payment was past due. I never got a call or an email reminding me that my payment was past due. 

More detailed explanations ( please see attached photos ) - On XX/XX/2018 my payment of {$100.00} was returned so I made a payment of {$100.00} on XX/XX/2018. 
- In XX/XX/2018, my auto-pay did not go through and Capital One charged me a {$25.00} past-due fee on XX/XX/2018. I called them on XX/XX/2018 to make a payment of {$210.00} to bring my account to good standing. Capital One acknowledged there was an issue with auto-pay on their end and waived the {$25.00} fee that they charged me on XX/XX/2018. They also said that my account was in good standing and there was no late payment due reported. 

They said they were going to fix it and submit the removal but they never did. It is still showed up on the two other bureaus and has greatly lowered my score.
Consumer complaint received 2024-09-18
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. (NY)

I reviewed a copy of my credit report and it has come to my attention that XXXX, EQUIFAX and XXXX has violated my rights. XXXX ran an unauthorized credit report on me on XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX  XXXX XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX. Equifax ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX, XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX XXXX. And XXXX ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX XXXX, XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX and XXXX XXXX. 

Inaccurate information on my consumer credit report Addresses, Names, Phone numbers off my report as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA 15 USC 1681e ( b ) since they are inaccurate. 

I did not authorize such an inquiry and demand that you contact XXXX, EQUIFAX and XXXX also I contact XXXX, EQUIFAX and XXXX in writing to update and correct my personal information on file with your company. 

In accordance with the fair credit reporting act, XXXX, EQUIFAX and XXXX. they have not ubdated my information yet, they has violated my rights. 

-15 USC 1681e ( b ) - ( Accuracy of report ). 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. 

-15 USC 1681 section 602 A. States I have the right to privacy. 

-15 USC 1681 section 604 A SECTION 2 : it also states a customer reporting agency can not furnish an account without my written instructions. 

15 USC 1666 B : a creditor may NOT treat a payment on a credit card account under an open end consumer plan as late for any purpose. 

15 USC 1681e ( b ) - ( Accuracy of report ). 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.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I recently had a deposit into my account with Bank of America for XXXX I went to the bank to access the phones and they tell me that the only close my account no I don't have a problem with them closing account where you probably have you they would not allow me to access my available phones so make calls my family too I have to move you want me to take me to court looking for an eviction you XXXX not be able to pay for my XXXX school for almost too much now I really need my money they can do whatever they want to with account I just need my money I would never ever again
Consumer complaint received 2024-09-18
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (LA)

This company has obtained my personal information from a company without consent of the consumer in order to sell personal private information. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Dear CFPB, Ive disputed this item with the credit reporting agency, and theyve claimed you confirmed the account as valid. Let me be clear : I have no recollection of any relationship with this collection agency or the original creditor. The account has numerous inaccuracies, blatantly violating FCRA and FDCPA laws. 

To sort this out, Im demanding concrete proof of this debt. Specifically, you must provide the alleged contract or any document with my signature, along with proof of your authority to handle this matter. If you cant provide this proof, you must fix any erroneous reports linking this debt to me immediately. 
I require the following information without delay : Proof of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Your legal authority for collecting this information. 
Your legal authority for collecting this alleged debt. 
Proof of your authorization to do business or operate in this state. 
Proof of the alleged debt, including any document with my signature. 
A full account history, including all charges added for collection activity. 
Respond immediately. 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-18
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. (NY)

This account was charged off on XX/XX/XXXX, Since then the account has been updated as charged off every month. This is an update in the payment history. A charged of account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXXXXXX   Last Activity XX/XX/XXXXXXXX  Type Credit Card Responsibility Individual Remarks Purchased By Another XXXX XXXX 30/60/90 Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance {$690.00} High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history No history is available Creditor information XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXXXXXX  Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 86 % of payments for this account on time. 
XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Unpaid Balance Reported As A Loss By XXXX XXXX, Transferred To Another Lender Times 30/60/90 Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeo XXXX XXXX XXXX XXXX