davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

CAPITAL ONE violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. CAPITAL ONE has also violated the Minnesota Commerce Department ( PCFA ) by violating my right to delete, my right to opt out, and my right to limit. I provided CAPITAL ONE two ( 2 ) notices exercising my rights under FCRA, FDCPA, and PCFA and they continue to recklessly and negligently violate my rights. CAPITAL ONE also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies : namely, XXXX and XXXX. CAPITAL ONE has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, CAPITAL ONE failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. Lastly, I sent to CAPITAL ONE a properly indorsed and endorsed note, giving it value, for CAPITAL ONE to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from CAPITAL ONE. CAPITAL ONE is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Consumer complaint received 2023-07-03
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. (NY)

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under the 15 USC 1681 Section 602 states I have the right to privacy.

Under the 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 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.
Consumer complaint received 2024-04-04
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. (FL)

XXXX data breach exposed my personal information. As a result cause identity theft and fraud related to my credit with XXXX breach. 1. XXXXXXXX XXXX account # XXXX paid or Fraudulent account # XXXXXXXX XXXX XXXX XXXX Paid, Closed/Never late or Delete 2. XXXX XXXX account # XXXX -- -- -Paid, Closed/Never late or Delete Account # XXXX -- - Paid, Closed/Never late or Delete Account # XXXX Paid, Closed/Never late or Delete 3. XXXX XXXX account ending XXXX or FRAUD account # XXXX Paid, Closed/Never late or Delete 4. XXXX XXXX XXXX account # XXXX - Paid, Closed/Never late or Delete 5. XXXX XXXX XXXXXXXX or Fraud XXXX - Paid, Closed/Never late or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692 ) I will be filing a lawsuit.

I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 
XXXX XXXX XXXX XXXX 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 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 

DELETE NON WORKING ADDRESS XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX suffered damages as a result of the misrepresentation. As a result of Experian, XXXX and XXXX violations of Fair Credit Reporting Act ( CFRA ).
Consumer complaint received 2024-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (IL)

I am a victim of identity theft.

In accordance with the FCRA, EVERYTHING to be 100 % accurate. Exeter Finance stated my accounts was properly investigated but it can not be possible if the Exeter account IS NOT MINE. The addresses and phone numbers associated with the Exeter account does not & has NEVER belonged to me.

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. I have repeatedly requested a TRANSPARENT THOROUGH INVESTIGATION along with Exeter 's METHOD OF VERIFICATION. The item in question is inaccurate and represents a very serious reporting error.

I am exercising my rights AGAIN under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, Exeter Finance should provide ALL the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable EXETER FINANCE sent a letter in response to a previous complaint with the Consumer Finance Protection Bureau # XXXX. Documents attached to the complaint included my previous adresses and other supporting documents that demonstrates that I have been a victim of identity theft multiple times in the past XXXX  years. 

The letter was dated XX/XX/2024. 
The letter states " we received subsequent correspondence from you ... .... '' and " your renewed complaint provided no new information '' - completely contradicting themselves. Which one is it??

Instead of investigating, Exeter Finance is collecting information.

Exeter Finance has NEVER provided a method of their " thorough investigation " as requested. They have willfully violated my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ).
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The account was opened XX/XX/XXXX and closed XX/XX/XXXX. Thats inaccurate because it says last payment date was XX/XX/XXXX. Than my status was update XXXX as a charge off. Also shows inaccurate information through other credit bureau. This inaccurate information falsely manipulates my credit worthiness and hurting my ability to obtain credit. Experian failed to investigate this account properly after repeatedly asked to have this account updated. Your neglect has once again violated my consumer rights. Im demanding a deletion of the following account XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

I received a notice from Medical Data Systems a medical debt collection after it was already being reported to all three major credit reporting entities. I requested validation of this debt by mail, never received a reaponse, yet it is being reported. Medical Data Systems stopped sending notices as well, but still continues to report the debt.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (IN)

Contacted XXXX because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. 

Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days Department/XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. 

XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating letter
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (FL)

I hold XXXX accounts with Synchrony Bank. XXXX are XXXX XXXX XXXX. They closed XXXX out do to non and never even sent me notification. All my accounts are in good standing and not once was I ever late with any of my accounts. DEALING WITH THIS BANK IS EXHAUSTING, TIME CONSUMUNG, UNSOUND BUSINESS PRACTICES, No one knows what they are doing. XXXX agent is proving me a phone number to send request a subpoena! This company takes XXXX accountability for their incompetence, unsound business practices, negligence, the lack of knowledge the people this bank hires. 
I email XXXX XXXX who is a high official at Synchrony Bank thinking this would help me resolve the issues I did not create and brought this to his attention and my emails went ignored until I added XXXX XXXX who is the former CEO. Now XXXX XXXX. 

I was very detailed and provided ample proof to XXXX XXXX by email. My emails were not taken seriously and ignored. I called XXXX XXXX in the " office of the president '' There is no office. Everyone works from " home '' XXXX XXXX never looked into my valid concerns. I even left her a voicemail with my account numbers. She tried to lie and finally admitted she did not look into anything. It is horrible that I am going through these matters. I spoke to endless people. I applied for a Lowes card and a XXXX XXXX showing I was approved and my credit was pulled which I was aware of. My credit was pulled XXXX times not twice with XXXX. 

XXXX XXXX from XXXX extension XXXX. She never left her extension. That was another job in in itself. XXXX advised to file the banking complaints, She did not want to assist nor look into any matter. This is unsound business practices, I assure you I have all my evidence and digital foot prints. I will seek a consumer lawyer for there dangerous business practices and putting me at risk. The calls show that. the evidence show that. This will not be tolerated as I did not nothing wrong and accountability needs to take place. They did not even have my correct address. My unit number was not listed. I have accounts with the same address, phone number. These people are careless and commit so many violations. IT JUST HORRIBLE. I TRIED TO RESOLVE BY CALLING AND BEING TOLD WE WILL RUN YOUR CREDIT AGAIN. NO ONE KNOWS WHAT THEY ARE DOING.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-04-04
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. (NY)

XXXX, XXXX and Experian is reporting a bankruptcy on my credit report and they put in the data furnisher as the XXXX XXXX Bankruptcy Court XXXX XXXX XXXX which is false. I have attached a letter from the US Bankruptcy Court of New York verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning any persons bankruptcy.
Consumer complaint received 2024-04-04
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. (KY)

disputed this account as a result of idenity theft as i was part of the XXXX XXXX breach they have failed to provide me with the deleteing of this account and or required by law how and what process was used to verifiy account XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to access my transunion free annual report I have no access to it. Their website kept saying access not available since XX/XX/2024. I have tried to get this resolved since XX/XX/2024. My social security number is XXXX My name is XXXX XXXX XXXX. It is the law to provide a federal consumer their annual report. I am required to gain access to my credit report weekly and Im being denied that access.
Consumer complaint received 2023-03-30
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. (DE)

DateXXXX XXXX XXXXXXXX CompanyXXXX XXXX AddressXXXX XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX I never agreed to this credit pull there is nothing with my signature agreeing to such DateXXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX AddressXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Request Originator DateXXXX XXXX XXXX CompanyXXXX AddressXXXX, XXXX XXXX XXXX, XXXX, OH XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX  AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX AddressXXXX XXXX XXXX XXXX, DE XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Request Originator DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX I never gave XXXX verbal or written consent for these companies to pull hard inquiries on my credit I disputed with equifax and they wont remove XXXX.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Since XXXX of 2023 I have been trying to get negative information off my credit report including inquiries. Most accounts on my report are not mines/accurate. I have been trying every month since XXXX of 2023 to contact XXXX, Experian, and XXXX about removing negative items from my report and have not gotten any results.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MS)

I don't recall having a contractual relationship with this collection company NATIONAL CREDIT ADJUST. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

I purchased a XXXX XXXX XXXX  in XXXX of XXXX for {$3300.00}. It was financed through synchrony bank. It was advertised as a 100 day risk free trial. I returned the bed within the 100 days and was refunded {$2500.00}. Apparently it is not risk free as they charged me {$260.00} for both the delivery of the bed and {$260.00} for picking it back up. I also purchased a mattress protector that was non refundable for {$230.00}. By the time I returned the bed, I had already made {$770.00} in payments to Synchrony which they confirmed by phone but refused to email me any statements or proofs of payment history. Since XXXXXXXX XXXX XXXXXXXX, Synchrony has told me I still owe {$400.00} to them. I ave disputed this with Synchrony 5 times. Everytime, they agree it is wrong, open a dispute then after 60 days, close the dispute without any communication to me. They actually owe me a refund of {$7.00}. In the last month, they have reported to every credit bureau that i am 90 days past due on a {$400.00} balance. Because of this, most of my credit accounts are lowering my credit limit to my current balance and is raising my credit utilization and destroying my credit. I have never been late on any payments ever. Once agan today they opened a dispute. They refused to give me a reference number or any documentation of the dispute. The difference in the original purchase price of {$3300.00} and the amount refunded {$2500.00} is {$760.00}. The total amount they confirmed I have paid is {$770.00}. I do not owe them anything.
Consumer complaint received 2023-08-01
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: U.S. BANCORP (TX)

On XX/XX/XXXX I discovered several fraudulent inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank XX/XX/XXXX
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (GA)

JP Morgan Chase Bank has violated my rights as a consumer. After receiving credit from them and making on time payments every month on top of being charged unnecessary fees, Chase Bank decided to pull my credit report without my permission and decrease my credit limit from a letter I got on XX/XX/2024. This decrease happened with no knowledge or request to increase my limit. Chase Bank decreased my account limit from {$3000.00} to {$1600.00}. This has effected my credit score and utilization rate making it hard for me to obtain credit. I received an adverse action letter notice on the same day line was decreased which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! Chase Bank has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for Chase Bank to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! Chase Bank willful noncompliance has resulted in identity theft which I demand to Cease and Desist!
Consumer complaint received 2023-03-28
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. (NY)

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

HERE ARE ALL INQUIRIES BELOEW THAT HAS TO BE REMOVED AND DELETED PERMANENTLY XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX