davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I had a Western Union money order made in the amount of {$50.00} to bring my Capitol One / Walmart credit card to a {$0.00} balance. 

( Western Union Money Order Number : XXXX Western Union telephone to verify : XXXX ) Imagine my surprise when I received a statement from Capitol One listing a Late Fee of {$28.00} with {$1.00} in interest added. 

Since I sent payment to bring my card to a {$0.00} balance, I could not understand the addition of a Late Fee. 

I called Capitol One Credit Card Customer Service and spoke to a Representative about this. 

I was informed that the Money Order was not processed until XX/XX/XXXX ( after the XX/XX/XXXX Due date ) and thus, a Late Fee was applied plus Interest. I explained that the Money Order had been created on XX/XX/XXXX and mailed out, and that the Late Fee should be removed, but the Representative stood firm that the Late Fee would stand because my payment was not processed until XX/XX/XXXX. 

I eventually spoke with three Capitol One representatives, including a Supervisor, all of whom stated the fee would not be removed. 

I also wrote to XXXX XXXX XXXX XXXX, XXXX and XXXX, Capitol One XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, on XX/XX/XXXX, but received no response from his office. 

I do not know why it took over two weeks for this Money Order to be received and credited to my account. 

I do not know if there was a shortage of staff at Capitol One due to the XXXX XXXX. I do not know if it sat in the Mail Room until XX/XX/XXXX. But I will not be the scapegoat for this. 

All I know is that I made the effort to have a Money Order made and mailed over two weeks before the due date so that the payment would be processed as cash. 

I want this Late Fee and Interest removed. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-09
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)

Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX-I didnt authorize these companies to submit these inquiries.im disputing these inquiries and want them removed from my credit report.Please have these unapproved inquiries removed from my credit report with in 30 days as it is harming my ability to obtain new credit, job ventures ect.I would like a copy of my credit report once this matter is resolved.Credit companies treat inquiries like they are statement of facts and will not let consuers to dispute them.Since it is against federal law ( fair credit reporting act 15USC S 1681 n ( A ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissable purpose. I am writing toinquire as to thee alleged purpose to do so sice i did not apply or request credit from this or thier organization.Based on evidence those inquiries were obtained under false pretenses and kowing without permissable purpose, actual damages substained {$1000.00} which ever is greater.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

on XX/XX/24 Capital One is engaged in violation of Federal Code 229.10 and sending messages on my email that the money was ready to transfer.Pursuaint to four previous claims XXXX XXXX. Capital One Is retaliation for complaining about theur policies.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Consumer complaint received 2024-04-09
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. (VA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-07-17
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: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XXXX, this month, I received unsolicited emails from Capital One notifying me an account has been opened in my name with their bank. They assigned some account number. 
Heres info from their email : Sign in to your account Sign in Capital One XXXX XXXX XXXX XXXX Routing number XXXX On XX/XX/23 I received a email saying a debit card was on its way and asked me to activate it. 
They asked me to add money into this account to activate it. 
A physical card was mailed to me which I cut up and threw in the trash since I never requested any of this. 

Then I received an email saying : Account closing soon -- your new 360 Checking account is ready for you ( it's fee-free ) The email also stated ways to add money to this account : Account ending in XXXX | Routing # XXXX Action requested : Your new account is waiting. 
You can get started with any amount. 
Hi XXXX, When you bank with a Capital One 360 Checking account, your hard-earned money works even harder for you. With fee-free benefits, mobile banking and multiple funding options, getting started is simple. 

You have access to these benefits as long as you fund your account within 60 days of opening, otherwise itll close automatically. Get started today or see our 360 Checking Guide for more information. 
You can add money in 3 ways : Today XX/XX/23 I received an email asking me if I signed into this account from a new device. 
Did you sign in from a new device? 
A new device was recently used to sign in to your account. 
When : XX/XX/XXXX at XXXX XXXX  XXXX What : A Chrome browser on Windows A device we didnt recognize recently accessed your Capital One account. If this was you, you can ignore this message. If youre not sure or have further questions, visit the help page to learn more and understand why we send these kinds of alerts. 

I am very concerned about this. In the past Capital One has aggressively sent unsolicited credit card offers which I always have ignored. This is much much worse. They are deceptively trying to open bank accounts in peoples names, trying to trick them into funding them, etc. The very first email about this from them at the top of the email in the header I noticed it said they got my info from a mailing list. 
I have never applied for ANY account opening at Capital One. Please ask them produce proof of request with signature approvals from me? They need to Stop ever claiming an account has been opened in anyones name without their request and express consent. This is Fraud. 
I have the email threads to forward if you need them. 
Please take action! 
Sincerely XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

It's my understanding that FCRA 605B obligates us to expunge any incorrect accounts from my credit profile. Could you kindly examine the paperwork? Several of the mentioned accounts are inaccurate in terms of reporting, with discrepancies in amounts and dates.
Consumer complaint received 2023-04-29
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to you today to express my deep concern regarding the excessive number of hard inquiries and soft inquiries that are present on my credit report. I believe that these inquiries are having a negative impact on my credit score, and I am therefore requesting that they be removed. 

As you may be aware, hard inquiries occur when a lender or creditor checks your credit report as a result of your application for credit. Soft inquiries, on the other hand, occur when a lender or creditor checks your credit report for non-credit-related purposes, such as pre-approving you for a credit card offer. 

Unfortunately, I have noticed that there are far too many of these inquiries on my credit report, and I believe that they are unfairly damaging my credit score. This is particularly concerning to me because I have worked hard to maintain a good credit score, and I have always made my payments on time and in full. 

I understand that it is important for lenders and creditors to be able to check credit reports when making decisions about credit applications. However, I believe that there should be limits in place to prevent excessive inquiries from being made, especially when these inquiries are not related to actual credit applications. 

I am therefore requesting that you take action to have these inquiries removed from my credit report. I believe that this will help to improve my credit score and ensure that I am not unfairly penalized as a result of excessive inquiries. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely,
Consumer complaint received 2023-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NH)

My credit report has a collection on it that is false in every way. The claim is made by Jefferson Capital System XXXX XXXX XXXX XXXX. XXXX, MN. XXXX XXXX XXXX XXXX  was opened by me on XX/XX/XXXX and charged off on XX/XX/XXXX, over three years ago. Jefferson has put on my credit report that I opened on XX/XX/XXXX and the account is still open, this is not true. They are stating I owe {$690.00}, also false, when in fact the original amount was {$300.00}. and charged off by original creditor. Further more I have seen no paperwork, statements, or any other correspondence from Jefferson Capital at all. I only noticed this as it was on my credit report as of XX/XX/XXXX. The info they have placed on my report as debt collection, open account is false, and I need this removed.
Consumer complaint received 2024-04-09
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. (NC)

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 account listed without my expressed written consent.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MI)

i filed a dispute with XXXX about an account with credit acceptance whom violated my rights. XXXX done the investigation and said that it was true and accurate. However, I disagree on there investigation. please see all of factual documentation in enclose including the letter to credit acceptance letter as well all XXXX credit bureau with all the federal laws that they had violated
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NJ)

I have a XXXXXXXX XXXX XXXX credit card through wells Fargo. My name is XXXX XXXX XX/XX/year>, my previous Case number XXXX XXXX XXXX XXXX. This has been on going for months & It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card unless the owner of the account charged files a dispute with their bank which is chase. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with the persons bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXXXXXX XXXX XXXX XXXXXXXX was my pervious case manager who was VERY good. l 100 % am open & willing to pay the bank back whatever was charged to this persons account. It has been on going for two months now & i have yet to have a resolution. I tried to be patient but it has been months & they only contact me if i reach out first. The person whos account it was has made a cfpb case against wells fargo as well & they refuse to help her get the money back into her account because she is not a Wells Fargo customer. Her case manager was XXXX XXXX who also has my info ) & the case number is XXXX. The person who's account was being charged is XXXX XXXX. We are trying to get this resolved & hoping Wells Fargo does the right thing by sending her the money that is owed to her otherwise we will have to take further actions. Wells Fargo is telling me the only way they can give her the money back is filing a dispute with chase ( her bank ) but chase wont dispute the charges. XXXX can be reached at XXXX XXXX if Wells Fargo needs to contact her to get her her money back.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I was sent a warning from XXXX XXXX XXXX, which I contacted, about that an account was opened in my name. 

On On XX/XX/2023, I received an email from XXXX, with the subject : We Could Not Fund Your New Account ( s ). I seems that this is unfunded account. 

I did not open an account with Citizens Bank, so I'm assuming someone tried to open an account in my name. 

I called Citizens Bank ( Citizens Financial Group ), but I'm hesitant to provide them with my SSN as requested. 

So I'm not sure if this account is open.
Consumer complaint received 2024-04-09
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. (PR)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear TransUnion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : Personal Loan Company Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX are consistently violating my federally protected consumer rights to privacy and confidentiality under FCRA 15 U.S. CODE 1681. XXXX and Transunion are also reporting my alleged relationship with XXXX XXXX and XXXX XXXX XXXX. 
XXXX and Transunion are also reporting late payments on my credit report in which are illegal under 15 U.S. Code 1605 - Determination of finance charge - There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments.They should all be removed from my consumer report under 15 USC 1605 ( a ).