davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report.

According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation.

I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Recently, Citi bank closed my credit card abruptly and without advantage notify me and I do anything wrong that violate the term of Citi bank. I found out that my credit card account were closed after transaction was declined at store and forfeit all my rewards with amount of XXXX .As Citi visa Costco reward, we can only redeem reward point once a year. I did try to write to Citi card, but in response letter, my earned reward during the year will be forfeit as result of their closing. I do not think these actions is correct ( closing my credit card + forfeit my EARNED reward ). Could you please help or advise me what and / or where I can do or go to get my EARNED reward for redemption. Please help
Consumer complaint received 2024-02-04
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: Bread Financial Holdings, Inc. (FL)

Commenting Bank/Victoria is reporting an account as closed, also they are no longer the debtor. This same account is reporting as a collections. Under the FCRA, this is a violation and misuse of credit reporting. This account has not been properly verified. Please remove from my credit report.
Consumer complaint received 2024-02-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (FL)

I was out of a job effective XX/XX/XXXX. I explained to Acima that I did not have an income and this was the reason for falling behind on payments. Recently I became employed XX/XX/XXXX and intended to pay my lease off once I had enough funds saved. I reached out a few weeks ago to inquire about a XXXX cash payoff so I would not longer be in debt and can catch up on more important bills. Acima told me I was past my payoff which I believe was XX/XX/XXXX. I've never had a problem paying, I just didn't have the means to do so. I asked a rep could I return the necklace that was custom but the rep did not do anything but give me a customer care number to call. I emailed them as well and was told they couldn't discuss my lease via email. I have tried a few times to reach a resolution. I have leases with XXXX XXXX and XXXXXXXX XXXX  who both have no problem helping their customers who fall on hard times. XXXX XXXX, my lease expired XX/XX/XXXX. After explaining my concern they honored my 90 day payoff on XX/XX/XXXX and only charged me an extra XXXX to do so. The lease is now closed because of their willingness to help, XXXX will be closed XX/XX/XXXX both paid in full and in good standing to do business with both companies in the future. I watched Acima forgive a lease with my wife years prior and also refuse to give her another lease because they honored a payoff. Why is it so hard to help? Things are literally out of my control. I would like to have my payoff honored so I can close this debt for good instead of being threatened to be reported to the credit agencies for not paying when I am indeed trying to fix this.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: College Foundation, Inc. (NC)

I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " COLLEGE FOUNDATION INC. '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the COLLEGE FOUNDATION INC. account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.
Consumer complaint received 2024-02-04
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc (LA)

I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr from a merchant called XXXX XXXX on XX/XX/XXXX and never received it. The total of the purchase was {$89.00}, which I financed through XXXX XXXX via Affirm. I made a downpayment of {$22.00} on XX/XX/XXXX and was scheduled to make three more payments of {$22.00} on XX/XX/XXXX and XX/XX/XXXX, and the last payment of {$22.00} on XX/XX/XXXX, which now Im receiving past due notices because I discontinued the payments because of no delivery. I have tried contacting the merchant by email multiple times, but there has been no responses. I also contacted Affirm about regarding the non delivery, but they are still holding me accountable for the payments. A dispute was opened and supposedly a claim was filed by an associate at Affirm, but I havent been able to accomplish anything on either one. I really think the company was a scam and both Affirm and myself have been scammed, which is why I think I should not be liable for the payments. I believe Affirm should be more aware of the merchants they advertise on their website.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Fidelity National Financial, Inc (TX)

I, XXXX XXXX, paid my earnest money to XXXX Title in the amount of {$1500.00} dollars to XXXX XXXX XXXX. I confirmed my payment by printing out my bank statement at XXXX XXXX  for the month of XX/XX/2023, to verify that the payment cleared through my bank per request by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I closed the mortgage loan on XX/XX/2023, with my loan officer from XXXX XXXX XXXX XXXXXXXX. My real estate agent, XXXX XXXX, with XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX both met separately in her office to discuss closing numbers. They reviewed the numbers, since they were in charge of numbers. XXXX XXXX from XXXX XXXX reviewed and agreed with the numbers. I reviewed my payment and signed the closing document. I saw all of my payments and did not see where my earnest money was applied twice. 

I then one week later receive a call from XXXX XXXX XXXX XXXX needs {$1500.00} dollars from me, because she made a mistake and doubled the payment for the earnest money on the contract. I then contacted the loan XXXX XXXX XXXX about this matter, and he notified me that XXXX XXXX XXXX XXXX first, and asked for the {$1500.00} dollars that she again claimed was her mistake for inputting the earnest money twice. XXXX told her that he can not give her any money since the loan has been closed and signed by her, myself, and the mortgage bank XXXX XXXX 

She has now sent a demand letter to me to pay for her mistake. I work slot but my mail is sent to my email that Im to receive. She sent a certified letter signature required, to my house as another demand letter. I find this to be very unprofessional and not a way for someone who is in a low income program for this housing project to start out homeownership. XXXX has made the mistake, the closing is completed, and she should not be harassing me to pay for her mistake. Please review this matter. It would be greatly appreciated. Thank you! 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Outsourcing, Inc. (MD)

On XX/XX/XXXX, Receivables Outsourcing contacted me by telephone ( leaving a voicemail ), informing me of their intent to collect a debt. 

I do not believe I owe any debt, since I have received no unpaid medical bills, nor any notices of overdue payment. Therefore, if the debt is mine, I believe it was sent to collections improperly, by a provider which failed to notify me of the account. 

Following their initial contact, Receivables Outsourcing failed to send a written collections notice, as required within five days, under the FDCPA. ( After 36 days, it has still not been received. ) Multiple attempts to request validation of the debt, filed timely within 30 days after the initial contact, have failed : Letters postmarked XX/XX/XXXX and XXXX, XXXX, were undeliverable, because the business had listed its mailing address incorrectly, or failed to keep it up to date, in multiple directories ( XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX ). 

I confirmed the businesss present address by telephone on XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. However, a third letter to this address, postmarked XX/XX/XXXX, was refused delivery by the addressee on XX/XX/XXXX, and returned to me. 

Therefore, I believe that Receivables Outsourcing is negligent in its communications, which has unfairly obstructed my right to obtain information about, and dispute, this debt.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

To Whom it May Concern : I sent out letters on behalf of the accounts listed below for inaccurate information : XXXX XXXXXXXX XXXX XXXX  Account Ending XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Department of Treasury Account Ending XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX  Account Ending XXXX XXXX  Account Ending Milestone XXXX XXXX Account Ending XXXX XXXX  XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX  XXXX Account Ending XXXX XXXX XXXX XXXX XXXXXXXX I saw that 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICA FIRST FEDERAL CREDIT UNION (IL)

I was notified today that my credit dropped XXXX XXXX. When I checked my credit report, it said I opened an account at XXXX XXXX on XX/XX/XXXX and America First on XX/XX/XXXX. I've never been to those banks in my life. I contacted both and both told me someone opened an account in my name using my social security number. The fraudulent individual has already spent {$13000.00} on the America First account and {$3000.00} on the XXXX XXXX account. America First has frozen the account and I am currently on hold with XXXX XXXX, but they said this was the next step in the process.
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 ( 2 ) states I have the right to privacy ( 15 usc 1681 section 604 a section 2 ) also states that a consumer reporting agency can not furnish an account without my written instructions and 15 usc 1666 ( b ) a Creditor can not treat a payment as late for any purpose.
Consumer complaint received 2024-04-06
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

XX/XX/year>XXXX  I invested {$6000.00} in Coinbase Wallet mining market. It was not profitable, so I decided to withdraw my funds and send them to my bank. Upon doing so they were held for verification. I was told that I needed to add 80 % of my investment in order to have the funds verified. That was {$5500.00}. Once again verification failed because I was XXXX cents short. I was told to repeat this process and add 80 % again. This time I put in {$6000.00} to make sure that I was not short. I was told that the funds needed to be XXXX after I sent XXXX. I once again converted to be funds to appease the system. My funds still were not given back. Instead I was told that I had to pay custody fees of {$530.00}. I paid them and the following day I was told that I needed to add an additional {$500.00}. I sent {$1000.00} this time hoping this would eliminate any further delay. I checked again and was told that I needed to pay a margin fee on top of what I already paid. That was another {$1000.00}. I waited for their response only to be told that more fees were needed to release my money because they were in the XXXX  to long and accrued even more. I then put {$1500.00} in to assure that I could get my money back, but of course this was not enough. The XXXX  required money in order to process my funds. Once again I added {$1200.00} and have been waiting for the release of my funds, but so far nothing has been returned. All of this has take three months in the process of getting my money back. I have paid over {$15000.00} just to get my initial investment of {$6000.00} and nothing has been returned yet. Every time I talk to customer service about this, they tell me to be patient. In the mean time Ive had to take out two separate loans and borrow from friends and family in order to get my money back.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Charge off as of XX/XX/2023 This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, income does not get reported on the consumer report, which in fact makes reporting of this account inaccurate! 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

To Whom It May Concern : I recently received a copy of my credit report. The credit report showed unfair credits acts by companies. Will you please provide me with proof of you being able to display my private transaction history on my credit report. Privacy Act Of 1974 it is illegal to report transition history on your credit report because it is making it very difficult for me to acquire credit. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I want to be compensated for the violations {$1000.00} per violation and Pain And Suffering, Humiliation. 

I've listed the companies name Thanking you in advance, XXXX XXXX
Consumer complaint received 2024-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hi I have been a Capital One customer since at 2000. Only when I read a recent XXXX article about them scaming long term customers out of interest did I realize I was also a victim. 

Despite the 4.3 % or so rate advertised for the 360 Performance account, my account which I have maintained for almost 25 years -- going back to when it was opened as an ING account -- was getting 0.3 %. 

I don't get it. I had assumed after seeing a million TV ads for the high savings rates that i was getting them too. Foolish me. 

But how can they suppress my interest rate as a 25 year client and give 100 times that rate to brand new customers. What is Capitol one doing? Seems fraudulent. They stole XXXX XXXX XXXX XXXX XXXX  dollars of interest from me over years. 

XXXX XXXX--
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NC)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.