davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (VA)

Throughout the loan, they have recapitalized the interest every time they have placed the loan in forbearance or deferment which has caused the loans to balloon to 289 % of the original value. I am still in school and the policies in place caused the size of my student loans to balloon to an unpayable level which seems predatory in that the loan provider knows that the student will end up paying multiple times what they borrowed. This started with the original loan provider XXXX XXXX and has continued with my current loan provider. The loans are being forced into repayment by XX/XX/XXXXXXXX XXXX and I will not be graduating in my current program until the end of XXXX Without any type of income-based repayment options, I will be unable to make payments being a current XXXX student. These are only two of the loans I have that were taken out in XXXX and XXXX the first year of my XXXX program. With the compounded interest and required upcoming payments, these policies and practices are predatory and disrupt the ability of XXXX XXXX, like myself, to obtain the necessary education without additional financial strain. My cosigner and I are looking into refinancing options due to a lack of options and choices, however, it is still putting a great deal of undue financial and emotional hardship on us.
Consumer complaint received 2024-04-16
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 section604 A section 2 : it also states a consumer reporting agency can not furnish a 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 7 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 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I close a Capital One Account on XX/XX/XXXX On XX/XX/XXXX Capital one add {$110.00} on my Capital One XXXX 's card ending in XXXX. 
On XXXX the XXXX I call Capital One customer service and call to representative and we both went though each charge and the total came to what I owe Capital one XXXX XXXX She said ( hear say ) didn't know where the XXXX came from. 
I ask came that be remove? I was told a investigation had to be done. 
Haven't heard back.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2024-04-16
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)

Dear Sir/Madam, I am writing to you under the provisions of the California Consumer Privacy Act ( CCPA ) and the Fair Credit Reporting Act ( FCRA ), concerning a serious matter of incorrect information present in my credit report ( Reference : XXXX ). 

Despite my previous attempts to rectify this issue, Equifax has failed to remove the false information from my credit report. This is in direct violation of my rights as a consumer under both the CCPA and the FCRA. 

The specific issue pertains to an unauthorized inquiry by XXXX XXXX XXXX. I have attached substantial proof from XXXX XXXX 's fraud department, indicating their repeated requests to all three credit bureaus for the removal of the said inquiry. Despite these efforts, the false information remains on my credit report. 

I would like to bring to your attention that upon reporting the same issue, XXXX ( XXXX XXXX : XXXX, dated XX/XX/2024 ) and XXXX have already removed the false inquiry from my credit report. However, Equifax has not taken any action in this regard. 

This failure to correct the information not only contravenes the FCRA and the CCPA but also adversely affects my credit standing. I have exercised my rights under these laws without success, and I am left with no choice but to consider legal recourse. 

I hereby request the CCPA to intervene in this matter and ensure the immediate removal of this false information from my credit report. Failure to do so will leave me with no option but to seek legal remedies, including but not limited to filing a lawsuit seeking statutory, actual, and punitive damages, as well as legal fees. 

I trust that the CCPA will take this matter seriously and act promptly to rectify this situation. I look forward to your prompt response and resolution of this matter.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXXXXXX  I requested a payoff quote from Capital one, there after i sent lawful tender of the loan. I sent them a letter of defaault and oppertunity to cure aand another letter requesting the 1099c copy they submitted to the IRS with no response as per their terms they will provide the 1099c one they submit it to the IRS under " 1099-C tax form Youll receive a 1099-C tax form for debt forgiveness if you are the primary borrower and have a loan, home equity or credit card account, or are overdrawn on your deposit account, and {$600.00} or more of principal balance is forgiven. Also, if you are a co-borrower, you will receive a 1099-C form if {$10000.00} or more of principal balance is forgiven. '' XXXX XXXX XXXXcapitaloneXXXX On XX/XX/XXXXXXXX  I called and spoke to the recovery manager to request copy of the 1099c and to discuss the forgeries and fraudulent agreement that was sent to me on XXXX XXXX   but she insisted on threatening to have the vehicle repossessed that I need to surrender it. 
Violating many laws. for one 15 USC 1692e ( 4 ) repossessions are illegal in the collection of any debt. 
Reporting Income on a consumers report as the 1099-c is considered income according to the IRS website XXXX This fraudulent loan was already charged-off but Capital one continues to report this adverse item on my consumers report under 15 USC 1681c , Because I have advised Capital One of the laws they're violating and continue to willfully and knowingly violate I do seek compensation under 15 USC 1681n ( a ) ( b ) and 15 USC 1681o ( 1 ). Violating my privacy under the privacy act of 1974 ( b ) conditions of disclosure, Capital one did not provide disclosure notices and I did not provide written consent to disclose my information to any nonaffiliated company like XXXX, XXXX, or XXXX. Violating 15 USC 6802 ( a ) ( b ) and ( c ) not providing required notices to opt out. Furthermore, Capital One violated 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) my finance charge was supposed to include any and all charges but as shown on the documents, I am submitting, I was tricked into putting a down payment of {$1000.00} or I would a have an adverse action of being denied the vehicle. 
I have submitted a complaint regarding to this same issue to CFPB with not solution. I will attach the agreement I signed at the dealership and the agreement Capitol One sent me.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-16
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has a process to upload documents online in order to complete a credit card application. But Capital One has discriminated against me by not allowing me to use this online " upload '' option that they have made available to millions of other applicants both before and after me. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have a pending credit card application ( Application ID # XXXX ) with Capital One, I have sent my additional documents to them several times for them to complete my application but they claim they are not receiving them. I have recently sent my documents for a fourth time, but I was smart enough to get proof this time- XXXX XXXX # XXXX
Consumer complaint received 2023-12-19
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)

I XXXX XXXX currently have a Fruad account on my credit report and XXXX inquiries. 

Accounts 1. XXXX XXXX XXXX XXXX {$56000.00} Inquiries 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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: JPMORGAN CHASE & CO. (CA)

I have had multiple hard inquiries on my credit from XXXX XXXXXXXX, where I have never done business. I had made an earlier dispute about this same issue but I guess it didnt do anything because XXXX XXXX is still hard inquiring my credit for no reason whatsoever. Also Im now getting multiple false hard inquiries from JPMCB even though I havent had a credit card with them, or applied for any credit ever with them. I just recently last month ( XX/XX/XXXX ) got an Amazon XXXX credit card which is issued by JPMCB so I would expect one hard inquiry but I have one dated back in XXXX and another one from the XXXX of this year, both of which are completely bogus. I have also noticed soft inquires from XXXX XXXX, EVEN THOUGH I DONT DO BUSINESS WITH THEM. I dont understand how theyre still able to hard inquire my credit after the last dispute I had filed this is ridiculous. I believe someone has to be using my personal information for this to be happening. I have also filed multiple disputes with XXXX for never before seen phone numbers and addresses added to my credit report which is very worrisome for me. I am going to file a police report about this also and see if I might need legal help. I contacted XXXX yesterday and put a fraud alert on my credit and removed the fraudulent credit inquiries. I want to make sure its removed with all three of the credit bureaus, and that this doesnt keep happening. I am attaching a photo my my XXXX dispute results which shows the multiple hard inquiries and personal phone number that I had never seen or authorized.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  After reviewing my credit profile. The payment history is inconsistent amongst all 3 bureaus from XX/XX/XXXX until XX/XX/XXXX. XXXX is verifying on time payment for some months that XXXX XXXX XXXX is showing late. How was this account verified?

How can all 3 bureaus show different payment history for 1 account? This is a violation of FCRA laws and my consumer rights.\ Under 15 U.S.C. 1681i Paragraph ( 5 ) 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. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Consumer complaint received 2023-09-21
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-20
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. (CA)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-12-19
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. (GA)

To Whom It Mav Concern. 
I have recently reviewed my credit report and noticed vou have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party, provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party. 
As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) protects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in eiror, and this matter Is cOITected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR. 
In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( XXXX XXXX XXXX XXXX ). 
If you can not substantiate I authorized the release of my medical information within 30 days, and collection activity continues including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the XXXX against you and the third party debt collector. Thank you in advance for your cooperation.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

I have disputed the late payments on XXXX XXXX XXXX   XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC (OR)

Reliant Capital Solutions has repeated contacted me attempting to collect an alleged outstanding balance with XXXX XXXX XXXX XXXX XXXX  XXXX, where I was a student in XX/XX/XXXX-XX/XX/XXXX. I had resolved my balance with the school ~15 years ago. When I first received communication from Reliant about this, I requested proof of this outstanding balance. I requested a signed and notarized document provided by the school 's accounting department within the last 6 months. They only responded with an unsigned, unnotorized statement from the school dated XX/XX/XXXX, pre-dating my resolution of that outstanding balance. They have refused to take any steps to provide more legitimate proof of this debt and continue to contact me despite my formal request to them to stop.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

According to the IRS an unpaid XXXX is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX ( Cancellation of XXXX ) from the following charged off account listed below. 

XXXX XXXX XXXXAfter checking my most current report the updated information stated the account was purchased by another Lender SPRINGOAK CAP. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the XXXX form
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

After reviewing my consumer report I found a series of accounts that were opened and being used without my knowledge, consent or authorization. 
This XXXX  XXXX account is inaccurately reporting I owe a XXXX balance on a closed account. 
This is not my account delete immediately. 
I tried contacting the furnisher XXXX XXXX directly via telephone and by mail formally requesting the information be removed but nothing has changed. 
Again this is not my account, but despite communicating this to none effect nothing has changed nor have I received any notice that assures this false inaccurate information shall be removed immediately. I have filed a dispute with the FTC and also I have sent the affidavit.