davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I opened an account at Capital One Bank in XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX in XXXXXXXX XXXX during this time I had a lot of issues with this bank including mailing out debit cards to different addresses in XXXX  and not being able to access my accounts as well as fraud and possible identity theft with my deposits and withdrawals and unauthorized transactions. They closed my account without informing me no explanation at all Also they still have an account in my name XXXX XXXX as a XXXX XXXX XXXX now living in XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I believe this bank along with whomever is accessing this accounts under false pretenses and using said accounts to receive Federal Benefits in the state if XXXX  XXXX, XXXX, XXXX, XXXX, including XXXXI I would like this investigated. thank you my names or names these accounts are or possible under are XXXX XXXX or XXXX XXXX I currently receive XXXX benefits or even XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX -- The status of this report is incorrect, please change it XXXX XXXX  XXXX XXXX  -- This Information is Incorrect. please remove this inaccuracy from my report XXXX XXXX -- This Information is Incorrect.please remove this inaccuracy from my report XXXX The following personal information is incorrect. 
Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2023-11-13
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. (PA)

XXXX XXXX XXXX -- The status of this report is incorrect, please change it XXXX XX/XX/XXXX XXXXXXXX XXXX  -- This Information is Incorrect. please remove this inaccuracy from my report XXXX XXXX -- This Information is Incorrect.please remove this inaccuracy from my report XXXX The following personal information is incorrect. 
Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-11-13
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. (ID)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The CRAs did not get back to my request to send back ( within the allotted time ) how they verified the information on the credit report. On XXXX XXXX I sent in letters asking them to verify their methods or how they verified accounts and they never responded.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

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.

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 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 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 2024-04-05
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. (TX)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (IN)

A bankruptcy was inaccurately reported on all 3 credit bureau reports, after disputing several times it was finally removed by one, both my XXXX and Equifax credit reports have continued to show the bankruptcy regardless of agreeing that the information was in fact reported incorrect for over XXXX, now XXXX years. Equifax momentarily removed it, only to add it again, requiring me to submit yet another dispute. Because bankruptcies are so hard to dispute with any bureau, they first repeatedly declined my disputes, regardless of the dates, court, and filing number being incorrect, relying solely on XXXXXXXX XXXX and not the factual information provided by the state of Indiana. I have worked so hard to rebuild my credit and these are fights that they refuse to legally partake in, resulting in 6 years of harmful credit damage.
Consumer complaint received 2023-11-14
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My XXXX XXXX account # XXXX continues to NOT be reported to any of the XXXX Credit Bureaus. 

I originally contacted XXXX via phone around mid to late XX/XX/XXXX to report this issue. I was told on the phone that XXXX needed 30 days to investigate. I received the attached letter dated XX/XX/XXXX notifying me that XXXX thorough investigation has been completed and that XXXX is able to confirm that the account was reported to the XXXX XXXX XXXX ( CRAs ). 

XXXX made a hard inquiry of my credit and is recorded on my report as of XX/XX/XXXX. 

My XXXX purchase was completed XX/XX/XXXX. 

The first payment was due and made as of XX/XX/XXXX. 

I have made XXXX on-time payments thus far. None of these payments have been reported and are not reflected in my credit report as of XX/XX/XXXX. 

Having the hard inquiry on my report without evidence that the loan was provided is affecting my credit negatively.
Consumer complaint received 2023-11-13
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. (GA)

I have disputed a charge off on my credit with XXXX several time only to be told its verified, this account information is being reported as verified when you can clearly see that it does not match other credit bureau information, I would like for this item to be removed, it has been weeks since I ask for my old addresses to be removed and yet they still remain acct XXXX XXXX, the high credit amount has been reported inaccurate which is a violation, delete account
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MD)

In accordance with the fair credit reporting act, 15 USC 1666b ( a ), A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted regional procedures designed to ensure that each periodic statement including the information required by section 1637 be of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. My rights were violated because I did not receive such notification
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX I had submitted an extended equifax data breach settlement claim that included 9 pages of information that I had continued to gather when time permitted. I had identity theft for my XXXX income taxes and someone filed my taxes under my name and received my refund. This was a whole long process to go through with countless hours of verifying my identity with the IRS via phone calls and letters from the IRS. Problems with trying to unfreeze my credit with XXXX and Equifax when applying for a mortgage. In XXXX of XXXX I was scammed out of {$5000.00} from my checking account due to a credit repair company who I had given my information to not knowing it was a scam. The bank did not reimburse me. Most of the transactions were in XXXX the bank told me. My total losses were {$9200.00} which included time spent and the money I was scammed out of my bank account. I had attached all of this information to my equifax claim so it was easy to understand. Equifax had sent me a {$14.00} check two different times when I had started my claim in XXXX due to inaccuracies on my report, but I was not finished with my claim. It took me a long time. The only response from Equifax is them emailing me saying I would have to prove it was from the equifax data breach and they will happily reissue my check for {$14.00}. My name is under the search bar on equifax site showing I was part of the breach. 

I would sincerely appreciate any help you can assist me with regarding this matter. Feel free to contact me if you have any questions. 

Thank you.
Consumer complaint received 2023-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (GA)

This medical debt is not supposed to report on my credit and this alleged debt did nit give me any notification or receive permission from me. They have violated under tile 15 of the FDCPA guidelines. This alleged debt was removed now reinserted without my permission
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

Im trying to transfer my points from chase rewards to XXXX and they dont allow me. Ive called chase more than once they said it has to be done by a specific department manually and its been over a week and nothing happened! Ill probably going to lose the opportunity to book the XXXX XXXX  with points all because of this delay coming from chase. Terrible customer service.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Good morning on XX/XX/2023 I requested an investigation for my consumer report because I noticed an account that was reported inaccurately. XXXX is furnished with data that does not match across all the consumer reporting agencies. I also received a response from the bureaus refusing to complete the investigation. This has caused extreme damage to my reputation. I have evidence that I am not responsible for this account and I can also prove that the courts determined the party responsible for this item. According to the FCRA 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information the item must promptly be deleted from my consumer report based on the results of the reinvestigation.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Coastline Capital Fund Management, LLC (FL)

In 2019 I was granted a loan modification on my home. But due to an error. My loan went to a limbo, until Coastline Capital Fund 6 , LLC, bought my loan. I discovered through an investigation that this company " cherry picks '' homeowners. I was forced to file a XXXX XXXX in order to keep my home. In the XXXX the investor did not accept my loan mod and my payments went from {$1500.00} to {$3200.00} a month, after that I was force to come up with almost {$8000.00} within 40 days. Now I'm paying attorneys to defending and once again.
Consumer complaint received 2023-07-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-11-13
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. (NJ)

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. Account name : Account Name XXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX  XXXX {$600.00} 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 written instructions. 15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( XXXX ) 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 2023-08-21
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: EQUIFAX, INC. (MI)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2023-09-11
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)

In XX/XX/2015 somebody used my social security number to set up a credit account using the name XXXX  XXXX. I want to get this fraudulent account taken off my credit reports and to have all collection attempts seized and dismissed.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

That problen is small but the Bank Citizens is bed I try take XXXX the day thursday XX/XX/XXXX  but dont ' take XXXX for my Card enroled XXXX is Declaim I have plany many but for rezon the bank decline. I go to online see my acount online and see the bank aplide two time {$9.00} this thay I call a citizens Bank end try to Help and bank say we need to weigth 10 minutes I realy way 40 minuts and hand up the call no XXXX  the bank is incredible this happen 5 XXXX  we have same problem and today is the las day I call and hapend same I don't no wath I nedd to do Please Help me in this problem This is the XXXX  I call XXXX ( XXXX ) XXXX thank you.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.