davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear CAPITAL ONE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws under Florida Statutes Chapter 817.

It has unequivocally come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law under Chapter 817 emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Specifically, Florida Statutes Section 817.568 criminalizes the fraudulent use of personal identification information, underscoring the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Florida Statutes Chapter 817. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Florida state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title 15 of the United States Code.

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The CCPA further regulates the collection, reporting, and use of consumer credit information.

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the CCPA, which require that credit reporting agencies like your company provide accurate and complete information.

Additionally, under Section 605B of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA. 

Moreover, the Electronic Fund Transfer Act ( EFTA ) and the Truth in Lending Act ( TILA ), both of which are contained in Title 15 of the United States Code, provide additional protections to consumers. The EFTA requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the TILA requires lenders to provide accurate and clear information about the costs and terms of credit. 

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the EFTA and TILA. Failure to do so may result in further legal action and complaints to the CFPB. 

Thank you for your attention to this matter.
Consumer complaint received 2023-08-31
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. (WI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (MD)

On XXXX I went to Discovers website to apply for a personal loan for personal, family, and household purposes. 

I provided my personal information and my social security card # ( or credit card pursuant to the Truth in Lending Act/Regulation Z ) which allows me to extend my credit to the company to obtain financing for personal, family, and/or household purposes. 

The attached document shows the definition of credit in the Federal Code of Regulations, any violation of this code constitutes fraud and illegal activity ; which this company would be responsible for civil and/or criminal liability for violating any of my federally protected rights as the consumer in this transaction. 

After submitting my information on the credit application, which Discover accepted and proceeded to pull my consumer reports. 

Discover then denied my application for an extension of my credit on the basis of me having an existing account with them as well as my consumer reports. 

Consumer reporting agencies like XXXX, XXXX, XXXX, XXXX and others have an extensive history of having inaccurate reporting, this is proven by their many data breaches and complaints on the CFPB. Which is why the Fair Credit Reporting Act was created. The credit score is a made up number based on inaccurate information that is being reported on consumers, without their consent, which violates their privacy. 

This company can not use a credit history or a consumer report to deny me access to an extension my own credit pursuant to Truth in Lending Act without offering a counter offer. 

According to the Equal Credit Opportunity Act, a company can not deny a consumer access to credit for any discriminatory reason. It states that Credit is a right, which can not be taken away for any reason when a consumer extends their credit card ( or social security XXXX ) in good faith to obtain financing for personal, family, or household uses. 

In using my credit history or consumer reporting as a basis to deny me my right to credit, Discover is violating my federally protected right credit as the consumer in this transaction.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

I opened an credit card account with discover bank in XX/XX/2022, the card was received, but I never called to activate it, I still have my card with the XXXX XXXX XXXX. 
The credit card was used and spent {$8300.00}, I never received a statement to my address in which I am living for more than 40 years, after 9 monts I received a phone call from Discover Bank stateting that I owe the that amount of money, since them I have been trying to get my statements because I received citation form XXXX XXXX XXXX but the discover bank told me they can not provide the statements because they already send them to the XXXX XXXX XXXX XXXX XXXX. I send email to the attorney and they have not provide the statements either. 
Please helpme because I am a fraud victim. the address the bank have on file for the amount owed is different from mine.
Consumer complaint received 2023-04-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

I had 3 loans for my XXXX kids who attended XXXX XXXX with Fed Loan Serv between XXXX, during that time I had a late payment. After my son graduated, he went to the XXXX and paid off all loans. This was over 7 years ago, which should have been removed from my credit report by now. I've tried numerous times to dispute this account with the credit bureaus but each time, they come back saying the dispute is completed without any change. If this agency no longer exists, how can I make sure the negative credit reporting from 2013 is removed?
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (CO)

In the summer of XXXX I received notice from ECMC that they were the new servicer of my loans. I had previously requested economic forbearance due to my ability to maintain payments beyond XXXX. I was surprised to learn that they had an additional XXXX dollars added to my original XXXX. I had consolidated in XXXX at an extremely low interest rate. The loanvis listed separately on my account because I never consolidated it because I never borrowed the money. ECMC said there was no forbearance although I had received correspondence it was in place. They called me and threatened me several times a day for 6 months starting in the fall of that year. I was nervous to take promotions or attempt to work due to the constant threats. I found out that XXXX XXXX was the under writer for the loan which had ballooned to an additional separate XXXX dollar loan these were explained to me as service charges. In XXXX I reconsolidated and with XXXX  and ECMC allowing me an IDR option that started as a 10 year plan but due to a compromise I was lost in the system. In XXXX someone changed my contact info from XXXX to XXXX on my contact area code and changed the spelling of my email to XXXX from XXXX. This was affected at my job my bank at studeng loans and locally the XXXX XXXX has it incorrect as well. I was notified earlier in XXXX that I was part of the affinion breach in XXXX from XXXX XXXX and the XXXX and possibly the XXXX XXXX XXXX breach
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I submitted a XXXX form on XX/XX/XXXX and an IDR on XXXX. As of XX/XX/XXXX, neither had been processed, so I called to inquire. Instead of processing my applications, the XXXX cancelled both documents which is NOT what I asked her to do. She listed my XXXX form as a duplicate which is 100 % untrue and cancelled my IDR which is NOT what should have happened. Im required to recertify my IDR for XXXX.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

The credit bureau needs to be investigated due to damaging credit, because I didn't accept ridiculous high interest rate loan. I just finished paying a {$16000.00} loan for a {$9000.00} vehicle in which I paid off on time every time. The predatory loan was paid off.now I wanted to use my excellent credit for a mortgage. But the credit bureau has credit me as poor. I'm sure I am not the only one. Please investigate.
Consumer complaint received 2023-05-12
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. (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. 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. Please be aware that failure to comply with my request may result in legal action to protect my consumer rights and seek appropriate remedies as provided for under the FCRA.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX, I submitted an online dispute when I realized my credit report had dropped by XXXX points, and during my investigation, came to find my twin sister 's information was listed under my account through TransUnion. It had her name, social, and address listed, with my name listed as " AKA '' and my phone number/address listed as a secondary address. After waiting 30 days, when attempting to check the finalized report on XX/XX/XXXX, TransUnion only had " information unavailable, please call during these times. '' I was unable to access the dispute, nor was I able to create another dispute, considering TransUnion had found the information I disputed to be " factual ''. The first call I made was to find out why I could not access my report, to which I was told to get certain information and send it via mail to regenerate an entirely new report. That would have been the week of XX/XX/XXXX, to which I have not received any reply or confirmation as to the status of this " regeneration ''. My twin sister has not been able to even create an account. I attempted to call TransUnion again over the week of XX/XX/XXXX, and an employee attempted to change the information under my account for me. I was also transferred to another employee for the status of my dispute/regeneration. This employee attempted to create a new account for me. I was disconnected from the second call without the new account information, and received another call today XX/XX/XXXX to which I was unable to take due to working. Now, I am unable to access ANY of my information under my current account, and have no access to the account the employee was attempting to create for me. I have received nothing via mail regarding the regeneration.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (UT)

XXXX is reporting a debt on my file along with Cavalry Portfolio for a debt I don't recognize. I think they are the same debt and I ask you please validate the debt for me as I have no idea what it is.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased some yoga classes that were supposed to last 6 months from date of purchase ( purchased XX/XX/XXXX & XX/XX/XXXX ) for the total amount of {$490.00}. ) After taking a class on XX/XX/XXXX I had a customer complaint with how class is conducted with the owner. Later than evening the owner sent an email stating my classes are canceled and I am not welcome there anymore. I did not receive a response from the owner when I asked for a refund. I filed a dispute with my credit card company Capital One and after 30 days in the dispute process they sided with the merchant. I attached .XXXX  documents with the email from the studio stating they are the ones canceling services. This is not moral, or ethical, and it is potential criminal to take money from someone and just decide on your own free will to not offer services. I am surprised at this outcome and seeking help.
Consumer complaint received 2018-12-26
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: Experian Information Solutions Inc. (FL)

Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   also credit cards inquiries from XXXX XXXX, XXXX  XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft
Consumer complaint received 2024-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

On XX/XX/2024 I received XXXX phone calls from Navient during work hours regarding my account. The supervisor states they are required by federal regulations to " reach out '' if a borrower is behind on payments.Repeatedly dialing someone's private number is not " reaching out '' but instead constitutes harassment and violates federal debt practices. 
A debt collector is prohibited from harassing a borrower, and causing his means of employment to be jeopardized by the repeated calls. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

This debt belonged to my XXXX  husband over XXXX ago. I contacted the company less them a yr., explain situation, they told me it wld ne settled in 30 days. Nothin has changed. Plz, I beg u to help me resolve n remove them from my report. My husband is XXXX, n im not responsible for this. I'm tryin to buy a home for wht remains of my family n they r not helping me. Please, plz help me. Thank u
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The FCRA requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy when assembling credit reports. Maximum possible accuracy ensure improved data accuracy for users of credit reports e.g. banks, government agencies etc who rely on accurate data to make critical decisions every day about loans, government benefits, and other important matters. 

Lenders need accurate data to perform sound risk assessments, provide terms tailored to the borrowers appropriate risk level - having the most reliable and accurate data helps CRAs maintain good consumer relationships and focus on investing in new products and services to help consumers. 

Per FTC, PERC, CFPB inaccuracies are not good for business. Having an accurate credit ecosystem will prevent duplicative information, and stay in compliance with FCRA and promote the oversight of furnishes, and enhancements to the dispute resolution function. 

To best serve me in this complaint, I need addresses to be accurate in the credit reporting system. Any potentially material errors in my credit file makes me look riskier than reality. Lenders respond to incorrect data by offering higher interest rates, less favorable terms, or denying credit if the error makes me look too risky. 

There is no liability structure for inaccurate data or incorrect information. The credit bureau check with the provider of the information that there is a claim. There is no penalty for those who repeatedly provide inaccurate information. There are no actual investigations- even if a percentage of complaints were investigated, an investigation along with penalties from providing inaccurate information would incentivize data providers to do the right thing. Credit reporting systems should effectively support the economy- it should be safe, efficient and fully supportive of data subjects and consumer rights. The value of CRAs service is in direct proportion to the accuracy of the data it provides. Higher quality data is important moving forward so that credit can better flow to those who need it. 

My vehicle as vandalized and I am currently in the market for the new auto loan. I need all information to be accurate.