davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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. (VA)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that is not 100 % accurate. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
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 belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX You are in direct violation of fair credit reporting act. XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

XX/XX/2023, I sent letters to Experian, XXXX and XXXX about the following fraudulent accounts and they have not yet to follow CFPB Laws our rules. 
XXXX {$0.00} ACCOUNT # XXXX XXXX XXXX XXXX {$800.00} ACCOUNT # XXXX /XXXX XXXX XXXX {$850.00} ACCOUNT # XXXX /XXXX XXXX XXXX XXXX$1400.00} ACCOUNT # XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

To whom it may concern Maam/Sir, I am writing to complain and request that all debt collectors listed below cease further and all communication, to all three credit reporting agencies XXXX, Equifax, and XXXX per the provision in 15 USC 1692c ( c ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cont 'd attempts to collect debt not owed Thank You
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, 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. (NC)

I have filed a dispute with Equifax INC many times concerning this matter.I have spoke with the Equifax fraud department many times concerning unauthorized inquires from XXXX XXXX  XXXX that was placed on my Credit Report.I have asked Equifax to remove the unauthorized inquires from my report, but they refuse to do so, they told me that I need to speak with XXXX XXXX  about the inquires.Well I spoke with XXXX XXXX about the inquire which they are showing that I never had an account with them.They all so send a letter to Equifax and myself showing that the those inquires need to be suppress from my Equifax Credit Report.I have resent the letter that send to me but Equifax still refuse to remove them from my Equifax Credit Report which is outrageous that Equifax is allowed to do this which can harm people lively hood and creditably on their jobs.I will be attaching the letter that was send for verification to all three credit Reporting Agencies.
Consumer complaint received 2023-08-05
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. (CA)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I REVIEW MY CONSUMER REPORT AND NOTICE THAT I HAD A LATE PAYMENT ON AN ACCOUNT. AND IT THE CONSUMER REPORT AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURACY. THE LATE PAYMENT CAN NOT BE USE and by my knowledge this report is inaccurate do to the fact of 15 U.S. Code 1681a - Definitions ; rules of construction a LATE PAYMENT IS NOT INCLUDED IN THIS CONSUMER REPORT AND BY MY KNOWLEDGE A CONSUMER REPORT DOES NOT INCLUDE TRANSACTIONS I PAYED A LATE FEE THAT BEING A TRANSACTION MAKING THIS REPORT INACCURATE PLEASE INVESTIGATE SELF / LEAD AND HERE IS THE ACCOUNT XXXX XXXX XXXX Experian XXXX XXXX XXXX THANK YOU AND HAVE BLESS DAY
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a XXXX XXXX XXXX store credit card that is issued and managed by CapitalOne. I have receiving alerts ( nightly ) for months which state that I have been locked out of my account, when I have made no attempt to log in. I have spoken to XXXX XXXX XXXX representatives who have passed me onto CapitalOne. I have spoken to CapitalOne representatives who have advised me NOT to log into my account while they attempt to resolve the issue. It has been an on-going issue for several months and it has not been resolved. I have been promised call-backs and have not received any calls back. I was advised that they were going to have their IT Dept delete my user ID ( aka " scrub '' by account ) in order to resolve the issue but that has not been done. I am very fearful that someone is attempting to hack into my account and will ( or may already ) have accessed personal security information which puts by identity at risk. CapitalOne has been given ample time to resolve this issue and has failed to protect my identity or properly service this complaint. I am now turning to US authorities for assistance.
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

I had a loan with welsfargo auto and they charged me for comprehensive collateral insurance just before I finished paying the note off. I proved that I continued without fail to have auto insurance by having a notary signed document submitted by XXXX XXXX insurance and they refused to take the fees off and sent someone to get the vehicle. I was later sued by XXXX XXXX and XXXX for damages on the same car. I won that case by submitting the original answer about the documents sent proving I had insurance and they had no right to charge me fees. I saw about the lawsuit and want to know if I am eligible.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

I'm on the new XXXX plan and making all my payments ( {$0.00} ) so my balance is not supposed to go up, but MOHELA is still reporting it to credit BUREAUs as going up and this is making my credit score go down. They also removed the note " XXXX loan - payment deferred '' from my credit report and I don't know why. I've asked many times why this has happened to my credit reports and they don't respond. I've asked them to cease reporting this to credit bureaus as I'm on the XXXX plan, but they are still doing so
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am part of a XXXX XXXX called XXXX XXXX. It's a private group that has XXXX members. On Monday, XX/XX/XXXX I posted that I was searching for a pair of sandals and a user " XXXX XXXX '' messaged me and said they had the item in hand and agreed to send them to me after a XXXX " friend/family '' payment was made in the amount of {$920.00}. I checked their references and all seemed to be legitimate. Payment and address was sent and they said they would ship it the next day ( XXXX ). On XXXX, they messaged asking if they could send the next day and I agreed. On XX/XX/XXXX, they asked for my shipping details again which I sent and they then sent me tracking information. I was a bit skeptical as they were using a delivery company I'd never heard of " XXXX XXXX XXXX ''. There is a website and it provided shipping info but said the delivery was " pending ''. This morning, XX/XX/XXXX, they messaged me at XXXX PST asking if I received my item and told me to email the company if I hadn't. That raised reflags and that's when I discovered that this person was posing as a legitimate/trusted buyer/seller XXXX XXXX. They created an account with the same profile picture and information, but the username IP was different. I now realize that I should have used my better judgement and now trying to see if there's any way to get my money back. In the meantime, I don't want this to happen to anyone else. 

The delivery website now appears to be fake as well. 
https : //swiftlines.delivery/track-shipment/? XXXX Email they had me send payment via XXXX : XXXX XXXX Other names, aliases, and emails used : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

On XX/XX/2024 Berlin Wheeler Inc Places a collection account for {$610.00} on my XXXX. And XXXX  credit report I Reached out to. Berlin Wheeler on XX/XX/2024 and sent them a verification of Debt And Berlin Wheeler have not respondedTo my request. So I reached out to.Berlin Wheeler to see Why they have not remove the collection account from my credit report? I spoke to one of the representatives. They asked me to do a XXXX And they reply once they receive The response they will delete the collection account immediately.from my XXXX and my XXXX  credit report I did the report on XXXXwith XXXX And the response came back on XXXX XX/XX/2024 with XXXX XXXX XXXX Report number # XXXX That I did not have any XXXX XXXX account with them and I sent a Police report to Berlin Wheeler Inc And they still refuse to remove this collection account from my credit report. 
So that's why I'm reaching out to CFPB to resolve this matter. Thank you.
Consumer complaint received 2024-02-13
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. (CA)

XXXX, XXXX, and Equifax continue to report that I owe a debt that I do not. This alleged debt has been paid since day XXXX by the note that is being used. The credit bureaus knows this but are paid by XXXX XXXX to furnish this information. The credit bureaus also sells my information to other businesses this puts me at risk of identity theft and other cyber attacks. Furthermore the credit bureaus are not allowed to furnish anything I have note validated or verified as accurate as this is my consumer report that they are furnishing.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

A card was opened in my name and the person proceeded to spend {$800.00} on it, maxing it out. The {$800.00} was spent in the form of ( XXXX ) {$200.00} gift cards. I called Kohls and they proceeded to cancel the card and claim it as fraud.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

I had a legal name change in XXXX, and in order to update my name with Equifax, I had to File a Dispute through myEquifax.com, and so I did. I created an account and uploaded copies of the court order, my driver 's license, birth certificate, and social security card on XX/XX/XXXX and I received confirmation that my name was updated on XX/XX/XXXX. 

It was at the time I noticed that my address wasn't updated from a previous address. I tried to call them to update my address and was given the following instructions : send a copy of your Driver 's License, social security card, and a COVER LETTER to a XXXX XXXX XXXX Georgia. 

My complaint involves this lapse of logic that Equifax is pushing on me. How am I more easily able to update something complex like my name, by way of uploading documents through myEquifax ; while simultaneously having to go through the trouble of printing paper, buying postage, and sending a letter through USPS for something as simple as a change of address?! 

Further, WHY was I forced to create a myEquifax account to change my name when I'm unable to change other things such as my address through the same account? XXXX and XXXX both allowed me to update both my name AND address through their online portal and/or over the phone, but it feels like Equifax is being deliberately obtuse in updating the most basic of information on my credit file. And don't get me started on how LLCs can have such control over credit without consent. I'd forsake Equifax in a heartbeat in favor of XXXX, if for no other reason than the XXXX data breach that is likely the cause of this nonsense I'm complaining about. 

I doubt the CFPB can enforce anything requiring Equifax to be consistent with their processes, but I'm submitting this complaint regardless with the slim hope that maybe something beneficial will occur to prevent others from having to deal with this indiscriminate nonsense ( I'd prefer a different adjective to describe this, but that word would likely cause this complaint to be rejected or ignored. Rest assured it is quite profane ).
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-04-12
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. (NV)

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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MD)

I have called XXXX and GM Financial to dispute the late payments on file as they are inaccurate. I have mailed out letters trying to dispute this inaccurate information as it is holding me back when it comes to purchasing major items. XXXX keeps telling me that the information provided by GM Financial is correct and has not shown me proof. I have submitted proof of payment and still to no avail they have not removed it from my credit profile. I am trying to purchase property and this is really hindering me from doing so I am asking CFPB to look into this and I will also be providing you proof of payment.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recovery Solutions, LLC (NY)

TCPA Violations ( 47 U.S.C. 227 ) : The claim of " passthrough consent '' is indeed a robust defense, provided that the consent was specific to the type of communication used. I acknowledge XXXX 's assertion that they do not use an ATDS or prerecorded messages. However, under the TCPA, it is imperative that I receive evidence of manual dialing processes. The burden of proof lies with XXXX to demonstrate compliance with TCPA regulations. As the account was sold to a third party, the nature of consent may change, and thus, the specificity of consent must be established. 

FDCPA Violations ( 15 U.S.C. 1692c ) : The FDCPA 's provisions regarding third-party communications are clear and must be adhered to strictly. Even if no statutes were overtly violated, the frequency and content of communications with third parties must comply with the FDCPA. While XXXX may be unwilling to provide recordings to the consumer directly, should an official investigation by the CFPB or another regulatory agency commence, XXXX will be obligated to comply. The absence of a violation request does not negate the right to confirm compliance. 

GLBA Non-Compliance ( 15 U.S.C. 1681 ) : The use of multiple numbers and any practices that could potentially mislead or confuse the recipient must be justified in detail to ensure they are not deceptive or misleading, which would be contrary to consumer protection laws. The initiation of any communication by XXXX constitutes contact, and as such, a notice of debt validation should have been sent within XXXX days. The " Cease and Desist '' status does not exempt XXXX from past alleged violations or potential statutory damages. 

Regarding statutory damages, while they are indeed subject to actual violations occurring, the allegations here warrant a thorough investigation. If violations are proven, statutory damages of up to XXXX  per violation under the FDCPA are warranted.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I do not recognize this acount on my credit report, I also have been disputing this account for months and is still reporting inaccurate which is not under FCRA compliance. please remove this account from all credit reporting agencies immediately.