davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (VA)

I have good relationship with Experian which always alerted me of every activity. Anyway., I noticed a fake and/or perpetrated credit inquiry made by XXXX XXXX which is broad daylight fake stuff. I tried to fax the copy to the CFPB. Fax was so busy every time. My fear is the already premeditated criminal influence of the same perpetrator [ kind of unauthorized mediator and/or defence attorney ] who would have no trouble getting me taken down by the country., the people and their constitution by unidentified mechanism. Profiling? Check the attached documnent.
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Called company daily beginning XX/XX/2023 through XX/XX/2023 and formally requested, in accordance with the Texas Freedom of Information Act, that copies of all information and data regarding my vehicle loan be sent to my current address. This was to include their reason for their decision to restrict my online access since XX/XX/2023. They have refused to do so. Also request copies verifying all payments made, interest paid, principal owed, and the documentation verifying the current status of the account. Subsequent request were made again in XXXX, XXXX, and XXXX. Capital One Auto Finance refuses to comply with my request. The last request for this documentation was made in mid XXXX. The current account status on my XXXX Credit report shows the account is CLOSED and that it has been CHARGED OFF and WRITTEN OFF. It also shows the payment status as Late for XXXX among other months. However when I call to Capital One Auto Finance they state the account is CURRENT and OPEN. I have ask them to CORRECT the errors on my credit report and filed several disputes with each of Credit reporting agencies ( XXXX, XXXX, and XXXX ) however my disputes are denied saying the investigation finds the information valid and accurate ( paraphrasing ). 1. Please allow me online access again since it has been 180 days since my request was made and it still remains ignored. 2. correct the credit report ( all 3 ) to reflect as OPEN and as current and due to the fact the payment history is filed with inaccuracies and due to the fact Capital One refuses to provide me with updates regarding my balance, confirmation of payments, etc I ask that the Credit report shall reflect no late payments or delinquencies. I request this due to the illegal, and egregious and retaliatory manner in which Capital One Auto Finance has administered my loan.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

After reviewing my consumer report I have found inaccurate reports regarding alleged debts being of obligation to me. I have already address this issue with my XXXX reports in which they knew to delete this inaccurate information. For whatever reason XXXX and Equifax seem to believe they are above the laws and consumer rights protections and refuse to delete the inaccurate information being reported on my consumer reports. I would like it to be adequately clear that they are in clear and absolute violation of my rights as a federally protected consumer. I have made it very clear to them that these accounts should be deleted swiftly as XXXX did ; be clear that deletion is an admission to violating federal laws yet Equifax and XXXX seem to care not. If XXXX understood their violations and adhere to the remedy demanded easily any other reporting agencies should be able to understand the same. This will be my last and finally attempt to provided them this simple remedy for their violations against me before I seek litigation remedy. Being that I have made previous attempts for remedy that were disregarded and falsified as verified I will only allow 15 days for this remedy to be fulfilled. Equifax and XXXX both have been put on notice and instructed to provide me with the remedy due in which they were provided upt to 60 days to respond and each time they decided to use the entirety of the time available to again completely disregard the violations and falsify that the information has been verified. XXXX and Equifax SHALL DELETE the following inaccurate and falsified information listed below off of my consumer reports within 15 days from today XX/XX/year> in accordance with the FCRA and CFR. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MUST DELETE all accounts listed above Equifax MUST DELETE all accounts listed above immediately. 
I document everything for the past two years while I've been gaining a better understanding of the laws in place to protect me. I will have my remedy one way or another lets not waste each others time here.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I am writing to formally lodge a complaint against Flagstar Bank regarding their refusal to close my accounts, despite my adherence to their prescribed procedures. 

On XX/XX/year>, I sent a written request to close both my checking account and MBD high yield savings account to the following address provided by the bank : XXXX XXXX XXXX, XXXX, NY XXXX, Attn : Bank by Mail. The letter was returned to me, despite ensuring that the address was correct. To confirm this, I paid an additional {$6.00} for a tracking number, as evidenced by the attached receipt. You can verify the tracking details via this link : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have confirmed this address multiple times with a Flagstar Bank representative, who assured me it was the only available address for account closure requests. Despite following these instructions precisely, my request remains unfulfilled. 

The alternative provided by the bank is to visit a branch in person to close the accounts. As I reside in XXXX, FL, and the nearest branch is 235 miles away, this solution is impractical and unreasonable. 

I believe the bank 's refusal to close my accounts and the requirement to visit a distant branch constitutes predatory behavior. This situation is causing undue stress and inconvenience, and I am now at risk of incurring fees for maintaining a low balance. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and assist in facilitating the closure of my accounts without further inconvenience or financial penalty. 

Thank you for your attention to this serious matter.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (CA)

I needed to get a quick loan to handle unexpected bills. I went to maxlendXXXXXXXX  and was approved for a loan of {$1100.00}. I was told over the phone prior to accepting the loan that I would be charged for one payment of {$600.00} and two other payments of {$680.00} to payback the loan, bringing the total payback of said loan to {$1900.00} to pay it back. Already feeling that was way to much, I still accepted. Upon receipt of loan I was given paperwork outlining the terms. Since this was all done over the phone I was of the mindset ( my failure ) that the terms on the document was simply a recap as to what was discussed over the phone. 

I kept tabs on it for the first 3 months and paid no mind to it. It was only after making a subsequent payment I realized something was amiss. I then checked the documents that were sent and the document outlined that I was being charged a finance charge of {$4900.00} along with the amount financed of {$11000.00}. I was NEVER TOLD over the phone the finance change of {$4900.00} which along side the actual loan brought the total payback to {$6000.00}. It was incredibly misleading and when I contacted maxlend.com they told me they told me over the phone that I would need to make XXXX payments versus XXXX. From which I asked the service rep " who in the right mind would accept those terms? '' This organization needs to be flagged for the shaddy dealings and downright fraud. 

I had contacted the company maxlend.XXXX to stop payment which they stated they did but I would be contacted by a supervisor the following day and that I am still on the hook to pay the {$11000.00} which was incredibly confusing since its apparent what the service rep was looking at wasn't the same terms that were sent to me or they simply didn't care, in any event had I not seen another payment made outside of the XXXX payments told to me I would've been completely unaware of the situation. I have attached the document that was sent to me, which in itself is incredibly shady.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC. (NC)

Sofi, ending : XXXX I opened an online checking account with Sofi a few months ago from a sponsored link on XXXX. XXXX advertised {$120.00} bonus, and Sofi {$300.00}. 
Turns out, that when I wrote XXXX they refused to pay me, as Sofi stated in chat that I did not make a direct deposit of $ XXXX, which I did. 
I complained to the XXXX, without result. 
These people need to understand not all direct deposits are from weekly pay checks. 
Their site even lists retirement, and other sources. Most of these are paid quarterly, etc. 
I feel the promotion is a scam, as all I receive is 3-4 spam emails everyday to invest in cd 's, etc.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I called Transunion today to remove incorrect information, namely " Inquiries '' from my report, because my consent was not given. I was told they could not remove any inquiries and that I need to get the FTC Report and send it to the bureau with proof of ID. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX Pursuant to federal law title 15 usc 1679c I have the right to have inaccurate information removed.
Consumer complaint received 2024-09-02
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)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. Equifax, XXXX and XXXX have not complied with the laws to remove these accounts with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.

Some of these accounts have been paid in full and was suppose to be removed immediately but they have not done so.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (FL)

attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADJUST Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account XXXX XXXX Inquiries XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XX/XX/XXXX, XXXX1These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MicroBilt / PRBC (formerly CL Verify) (MD)

" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. ''
Consumer complaint received 2023-12-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OR)

A Creditor Hunter Warfield is on my credit report for a rental I had with 2 other roommates. Each of us had to pay a separate deposit of {$1400.00}. I moved out of the rental from XXXX XXXX XXXXXXXX months before my roommates did. I requested a walk-through from XXXX XXXX XXXXXXXX so that I can get my security deposit back. XXXX XXXX XXXX refused to do a walk-through and would not return my deposit. After the roommates moved out, XXXX XXXX  XXXX conducted a walk-through and charged all of us for normal wear and tear as well as damage we requested to be fixed due to rodents and rats. I requested a Validation of Debt from Hunter Warfield on XX/XX/ and did not receive a Validation of debt until XX/XX/. Hunter Warfield is refusing to remove themselves from my credit report.
Consumer complaint received 2023-10-28
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: SANTANDER HOLDINGS USA, INC. (LA)

This account is a charged off account on my credit report. I do not have any knowledge of these accounts. 

According to : 15 U.S.C 1681 ( e ) ( 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 U.S.C 1681s ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MO)

Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 

Name and contact information of the original creditor, if this account was transferred or purchased. 

Any other documentation verifying the account is, in fact, mine. 

If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. 

Until this matter is cleared up, I firmly request that you stop reporting this account altogether. 

Please give this matter your prompt attention. 

Thank you so much for your time.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/year>XXXX  was reported to credit bureau for over the limit. I did not charge over the limit and it was {$8.00} due to their interest incorrect charges. Spoke with XXXX supervisor at XXXX XXXX XXXX. She said I was outstanding customer and never late of over the limit. I also told her we were Declared A Natural State of Disaster by President Biden XX/XX/XXXX due to Hurricane Beryl which devastated everything, people lost homes, cars, loved ones, weeks without power, still cant get into homes. etc. Due to this XXXX said she would give me an increase on my card and send to have over the limit removed. the ref # XXXX. Have not heard back. This took my credit down XXXX points for interest incorrect. I worked hard and already been through enough and will need my credit to get into another place when they are ready from hurricane. It should not have been reported because I had paid it as soon as I saw it and called them.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have disputed the public record of Bankruptcy XXXX  XXXX that is reported on my credit report. 

The address, name, social and date of birth affiliated with this public record is not accurate. 

My first dispute came back as verified but I was not given proof of how this was verified. 

The report shows that this information was provided by the US Federal Courts or US Bk Court ( which is not accurate ). 

I contacted the courts via phone and by certified mail, their response to me was that they can not and will not verify any information with anyone. Nor do they provide court documents or records with anyone, especially credit bureaus. 

Ultimately, this is a violation of the FCRA regulations and laws. 

1. ) Inaccurate Information Reporting for the supplier of information ( Courts ) however the ( Courts ) do not verify or provide information of court documents or records. 

2. ) The information of Person reported does not match my information : ADDRESS, DOB, NAME, SSN. 

3. ) How is this being verified or provided when the supposed supplier of this information has confirmed that they do not and can not do such action?