davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

VIOLATIONS In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-30
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. (IL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am submitting a complaint today to report that I have been a victim of fraudulent activity. Following thorough research on the process to rectify the situation, I discovered that it is necessary to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies ( CRAs ) are mandated to remove any items listed in an identity theft report, with reference number XXXX. Attached, please find documents supporting the removal of unauthorized accounts and inquiries from my credit report. The following items were opened without my consent : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX =========EQUIFAX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), I request the immediate removal of these accounts and inquiries associated with identity theft. Additionally, I request that necessary warnings be sent to all data furnishers.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

Sometime in the Month of XXXX we called Citi Card to see how many Thank You points we had. At that time we were thinking of taking our kids to XXXX XXXX for a night. When we called we were told we had no points available. We requested to be transferred to the correct department for explanation. We were told that due to our delinquency we could not use our points. We informed them that we had not received a bill and that is why no payment had been made. After being transferred 5 or more time we finale were told that we did not receive a mail statement because the account was changed to email statement. 
At NO time did we ever requested our statements to be switched since my husband does not pay the bills ( I pay all of bills via paper ). After hours on the phone they were unable to tell us WHEN or HOW this happened. We requested that the error be corrected before it was to be sent to the credit bureau and to switch us back to mailed statements. After that call we we took all our money off of Citi Card and transferred it to XXXX. It was the most horrible experience. At this time we had sold our home and were living an apartment and we knew we could not have anything on our credit report due to our upcoming house settlement. We were notified on XXXX by our mortgage company that our credit score had dropped over 100 points due to Citi Card reporting one missed payment. Since then we have called and spoken to  several employees who have lied and not documented the conversations. We were told that a letter was being mailed of to us and it never was. The letter was to state that they will be contacting the credit beauru and making the correction to our credit. We called back two days later to see if it was mailed and we were told nothing had been done or documented regarding this request. All our mortgage company needs it this letter so we can settle on our home on XX/XX/24. Due to their error, lies and incorrect and NOT documenting our calls we may lose our home!!!!
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau Dear Sir/Madam , I hope this letter finds you well. I am writing to formally bring to your attention a concerning matter regarding my interactions with Capital One Bank, as detailed below. 

On Thursday, XX/XX/year>, at approximately XXXX XXXX Eastern Time, I spoke with Supervisor XXXX, who informed me that an investigation concerning my account had concluded on XX/XX/year>. Regrettably, I was not informed of this conclusion. To my surprise, on XX/XX/XXXX and XX/XX/XXXX, Supervisors XXXX, XXXX, XXXX, and XXXX had all indicated to me that the investigation was still ongoing. Supervisor XXXX further conveyed that Capital One often fails to adhere to its own outlined processes, as documented in their email communications. 

Throughout this ordeal, I have engaged with over 50 customer service representatives and 10 supervisors, none of whom informed me that the investigation had been completed. This lack of transparency and inconsistent information has left me deeply concerned and frustrated. 

Given my current health emergency, I urgently request Capital One to either grant me access to my account or transfer the funds to a linked account, as explicitly stipulated in their correspondence. Their emails have assured me that deposits could continue to be made, yet I have been denied access without justification. 

Additionally, I must highlight that due to both health concerns and the evident disregard for transparency by Capital One, I am hesitant to visit a branch in person. The repeated misinformation and apparent mistreatment have not only jeopardized my financial stability but have also compromised my dignity. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene on my behalf. I believe that Capital One 's actions have been unjust and have caused me undue stress and financial hardship during an already challenging time. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue swiftly. 

Very respectfully, XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter off on XX/XX/2023 To remove information that I don't not want on my credit report. According to the fair credit reporting act 12 usc1681. I have the right to privacy also according to 15 usc 6802.No financial institution is not suppose to share my information to third party people. 

This are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX AL XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX PA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXXXXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available XXXX XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Address XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Information Address XXXX XXXX XXXXXXXX, PA XXXX Phone ( XXXX ) XXXX XXXX - XXXXXXXX XXXX XXXXXXXX {$0.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX XXXX XXXXXXXX {$0.00} - - -No Data Account Information Address XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX
Consumer complaint received 2023-12-12
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. (NY)

THE BANKS LISTEN BELOW HAVE INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

I'm REWRITING to complaint to ONEMAIN about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Consumer complaint received 2024-07-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

Sunrise has called multiple times per day and at extremely inopportune times, such as early mornings and late into the evening. When speaking with the representative over the phone he kept trying to have me pay off a debt that was the wrong amount without hearing anything I had to say. Extremely predatory and ridiculously unprofessional.
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (NY)

I recently received a collections on my credit report for {$380.00}. I do not know who this is or what the amount is for. I am XXXX XXXX and I will seek any remedy available. I have been receiving harassing calls from XXXX.
Consumer complaint received 2024-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have XXXX hard inquiries that I have no idea what they were. I bought a car at XXXX and that's the only one that makes sense. After that there was XXXX more inquiries AFTER already purchasing a car. Please help I did NOT do this or authorize this. I will attach a screenshot
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/year> Chase Cardmember Services received a registered security interest coupon sent by me as a tender of payment to set off my credit card account in the amount of XXXX. XX/XX/year> I received a letter from Cardmember Services stating they received my note but do not accept my endorsed note a form of payment as well as a letter from Cardmember Service on XX/XX/year> further letting me know they scanned and destroyed my note to prevent misuse. I again tried to send off a registered security interest coupon to CEO XXXX XXXX which an individual received on XX/XX/year> a day before notice of Chase closing my account due to non payment and the very next day again a refusal of my performance to tender payment on my credit card account to be set off. I have not received any response yet.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (OH)

Back in XX/XX/2022 I filed bankruptcy and XXXXXXXX XXXX XXXX was included in that bankruptcy. XXXX are still showing my account as being open with XXXX. They need to contact XXXX to let them know my account was closed back in XX/XX/2022 and add a remark to that account on my XXXX report showing the account as closed and no late payments.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TN)

Citi and their subsidiary XXXX XXXX have violated FDCPA by calling with the intent to harass and intimidate. I have requested on numerous occasions through the CFPB complaint process, and the information requested has not been provided nor has it even been addressed. I would like to have this information provided and to have the CFPB actually investigate this. Citi has corresponded and stated they played cease and desist notations on my accounts, but they have still failed to address one of my accounts that they are still contacting me regarding.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-04-07
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. (PA)

online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (VA)

It appears in the concern regarding my professional license, Wells Fargo did not confirm that the check sent to the Virginia Board of Nursing XXXX Treasurer of Virginia had been cashed as stated by my personal bank but instead asked me for the account number. I, XXXX XXXX XXXX ( XXXX XXXX ) does not have anyone 's banking information other than my own and I specifically stated my personal bank confirmed the check had been cashed but the Virginia Board of Nursing has not provided me with a license or scheduled a hearing, updated orders, etc. I, XXXX XXXX XXXX ( XXXX XXXX ) further stated that the revocation of my license is due to my refusal to give up property ; specifically my property in XXXX XXXX XXXX XXXX, VA as well as heirship property in XXXX XXXX, VA. In regards to the XXXX XXXX XXXX, Wells Fargo asked for an address that has been updated to match the name of XXXX XXXX and XXXX XXXX but again tried to place blame that XXXX XXXX XXXX did not disclose this information. However, XXXX XXXX XXXX did disclose during the application process that lasted months that she had heirship property in XXXX XXXX, VA and that was her original site to build. Even if she didn't disclose this, it is the responsibility of Wells Fargo and others to do a title search at their expense to determine ownership. Wells Fargo concluded that they were not going to help get the license of XXXX XXXX XXXX XXXX XXXX back and that is the reason for the initial complaint in the first place due to the use of force by agencies to take property and license when XXXX XXXX XXXX refused to give them up. XXXX XXXX XXXX ( XXXX XXXX ) filed an insurance claim against her homeowner 's insurance policy to recover both her land and money as well as loss wages that Wells Fargo is either denying she has a right to or that they allegedly did not receive pre-petition, during petition, and post petition bankruptcy.
Consumer complaint received 2024-07-09
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The CMI Group, Inc. (PA)

credit management has called several times, ive returned call and aked for validatin of claim numerous times, asked not to call and send all info to address on file and they persist on calling and leaving messages, from XX/XX/year> i have recieved over XXXX calls and messages and they were instucted not to call again i have phone proof just in case they deny
Consumer complaint received 2018-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA (MI)

Mohela is refusing to supply me with information of a loan, however they are continuing to report false information onto my credit report. The loan has since been moved and in good standing with a new provider ( XXXX ). I spoke with a supervisor name XXXX and he refused to provide verification and validation on a account from 2004 ( which is still reporting on my credit ). I would like for this account to be removed from all 3 credit agencies. They have changed the dates so that it fits int the stautue of limitation and this is completely fraudulent on Mohela 's behalf.
Consumer complaint received 2018-08-14
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kashia Services (WA)

I am the XXXX  " " the garnishment I received via email on XX/XX/18 ; for an employee, did not appear to be standard ( signed by a judge or court officer ) I contacted our attorney who then referred me to you to report this. I have all emails and paperwork sent to me by XXXX XXXX XXXX.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (OK)

I believe my sister used my social security number to obtain student loans from XXXX XXXX, and then in 2014, XXXX XXXX sold them to Navient, so now I believe I am paying for my own student loans as well as my sisters
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I took action on XX/XX/2023 to dispute the delinquency reported on my credit report because I paid the car off early. I paid off a 60 months loan in 22 months. 
My payments were {$130.00} a month and my last XXXX payments were {$4000.00} and {$860.00}.