davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2023 a payment posted to my bank account for XXXX dollars to Capital one credit card that I didn't not authorize. I contacted Capital One for a refund and to address this unauthorized payment and they refused to refund me and stated that I made this payment online myself ( which I did not ). I am not set up with autopay. I had to close my account because they refuse to rectify this issue and continued to say that I was the one who made the online payment, even though I repeatedly told them I did not. This is theft!
Consumer complaint received 2020-04-01
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. (CA)

I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment 9 XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT
Consumer complaint received 2023-01-04
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. (TX)

Experian is obligated by the FCRA to report accurate accounting. Consumer has advised ALL INQUIRIES AND ACCOUNTS reported was fraud, and SAID company is required by law to remove Such items within 4 days, FTC fraud report was filed on behalf of the consumer, Consumer is requesting EXPERIAN to provide documentation used to determine the inquiries and accounts where authorized by the consumer, EXPERIAN has 10 days to provide me with the names of the family and neighbors or person spoken to, documentation used, signed application with consumer wet ink signature, comsumer is not asking for an E-Oscar report. If EXPERIAN can not provide documentation to show these accounts and inquiries was in fact authorized by the consumer account must be deleted immediately. Said company is liable under the SEC to follow certain rules I HAVE EXPERIAN COMMISSION NUMBER address and what company your company use to trade securities, I will be filing XXXX to audit consumer account. EXPERIAN is securitizing consumer data yet refuse to provide consumer with their CONSUMER FILE NOT CONSUMER REPORT FTC REPORT is uploaded
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AC AutoPay LLC, Denver, CO Branch (MN)

I am writing this letter to express my extreme dissatisfaction and disappointment with the recent experience I had while dealing with your company, Auto Pay. The events that transpired during my interaction with your agents have left me frustrated and concerned about your company 's integrity and professionalism. 

Before I submitted my application, I had a conversation with one of your agents who assured me of a two-step approval process. The first step would involve a soft credit pull by Auto Pay to assess the likelihood of approval, and the second step would entail a hard credit check by the lender for final approval. I agreed to these terms and submitted my application based on this understanding. 

However, my experience took a disheartening turn when I called back with additional questions after submitting my application. To my shock and disappointment, I was informed that my application had been denied, and even worse, a hard inquiry had been made on my credit report. This was in direct contradiction to what I had been told initially, and it left me deeply concerned about the repercussions on my credit score. 

Upon raising this issue with the agent I spoke to, they acknowledged that it was a mistake and assured me they would note that the unauthorized inquiry needed to be disputed. I requested an official letter or email confirming this, but I was inexplicably directed to " customer service '' and connected with an agent named XXXX XXXX. 

My interaction with XXXX XXXX was nothing short of frustrating and unprofessional. She not only displayed a lack of empathy but also contradicted the information provided by the initial agent. XXXX informed me that Auto Pay operates as a broker and does not follow the two-step approval process I had been promised. When I requested to speak with a supervisor or another agent, she outright refused and even hung up on me. This behavior is wholly unacceptable for a customer service representative. 

After multiple attempts, I was finally able to speak with an escalation agent who promised to review the situation and follow up with me. However, the ordeal I went through has already caused me significant stress and XXXX 

I believe it is crucial to take these grievances seriously and rectify the unauthorized hard inquiry on my credit report promptly. I intend to file a complaint with the CFPB regarding this matter, and I trust that you will cooperate fully to address this issue. 

I look forward to a swift resolution to this matter and expect a formal response from your company within a reasonable time frame. In the meantime, I request a written confirmation that the unauthorized inquiry will be disputed and removed from my credit report. 

Your prompt attention to this matter is appreciated, and I hope that we can resolve this issue to my satisfaction. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (NC)

I received a letter today from Associated Credit Services for a debt from XXXX XXXX XXXX XXXX account number XXXX that was sold to them from XXXX XXXX XXXX from XXXX all of this is on the letter. in the amount of {$10000.00} this debt is not mine nor have I ever had an account with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and found out this a account from a restaurant XXXX XXXX that is no longer in business and this was an business account. Nevertheless the account does not belong to me. I have asked them to send me the contract to no avail they claim to not have it yet these companies keep contacting me for an account that isn't mine. Until you can send me a contract showing that I had an equipment order purchase for a restaurant like the rep tried telling me at XXXX XXXX then stop contacting me. I have a right to see any and all contracts that you claim to be in my name as proof of debt which I have asked for over the years on numerous occasions.
Consumer complaint received 2023-06-07
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. (SC)

i have contacted XXXX XXXX in regards to a late payment reported on my credit i have not gotten remedy 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (FL)

I had my credit report pulled from the credit bureaus, to see what was on my report as I was in the beginning stages of a homeowner program. I noticed that there was a collection debt reported by a Company called Ability Recovery services for the amount of {$1000.00}. I have no knowledge of this debt so I sent Ability Recovery a validation of debt letter, this letter was sent to them on XX/XX/XXXX and I waited 30 days and received no response from them, regarding the validity of the debt. I again sent out validation of debt letters again on XX/XX/XXXX and XX/XX/XXXX, with both resulting in no response again from Ability Recovery Services in regards to the validity of this debt. The homeowner program advise me to send a admission of silence letter to them, which was sent on XX/XX/XXXX and they did not respond to that letter either. However they continue to report this debt to the credit bureaus as verified while they have repeating violates my request for proof of validation of this debt. I would like Ability Recovery Services to remove this debt from my credit report since they have denied me my right to receive proof of validation of this debt.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT ; THOSE LISTED ACCOUNTS AREN'T MINE. Please block these informations from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

SINCERELY, XXXX XXXX
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (NY)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-26
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: EQUIFAX, INC. (LA)

I am writing to dispute the following accounts that have been fraudulently opened in my name due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as these were also opened fraudulently. 

I reported my identity theft in XXXX, and this is on record with both Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to have these fraudulent accounts removed from my credit report. 

I expect a response within 30 days, confirming the removal of these accounts from my credit report. If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-08
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. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, REMOVE the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-01
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. (GA)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but it was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to REMOVE them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I was given incorrect information from MOHELA regarding if I should consolidate my student loans to get the highest payment count to have all of my loans forgiven. 

I had a total of XXXX direct loans with different payment counts ranging from XXXX. I questioned if I needed to consolidate my loans in order to have all of them forgiven because I was concerned about XXXX of the loans having only XXXX payments. 

During a call with MOHELA in XX/XX/XXXX, I was told since all of my loans are Direct Loans they would receive the highest payment count. I also addressed the issue again with a supervisor in XX/XX/XXXX whom I never heard back from after he needed to get my files from XXXX XXXX. 

On XX/XX/XXXX, XXXX out of XXXX loans got discharged after reaching the XXXX-payment requirement. The loan that didn't get discharged only had XXXX payments. I had already left my qualifying employer ; therefore, I was unable to get the additional XXXX qualifying payments to have the remaining {$3500.00} forgiven. 

I paid the balance, but had I been given the correct information from MOHELA, I could have consolidated the loans to get the highest payment count tp get the {$3500.00} forgiven with the other loans.
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Tesla, Inc. (FL)

I bought a car on XX/XX/2022, on the very same date the car price dropped by XXXX $ as I have the cashier check the dealer said once the check has been cashed they will mail me a check of XXXX $ but it's been 6 months I haven't got any money from them went to the dealer 4 times every time they will come up with a new excuse and they will make me wait in lobby for hours without any proper response. As I took Auto loan I am paying interest for this XXXX $ dollars and it's been 6 months. 
They keep saying check has been mailed and it has been more than 2 months and I havent received the check no courier such a long time
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to file a formal complaint against Equifax and XXXX Credit Bureaus, a credit reporting agency that has reported negative and inaccurate accounts information on my credit report. The status of accounts appeared as inaccurate and fraudulent. I believe the accounts information are inaccurate, such as incorrect balance nor wrong account status. I have previously disputed these inaccuracies with the credit reporting agency or the creditor. With that, I am requesting that the credit reporting agency would promptly investigate and removed the inaccurate accountsand personal information on my credit report. Additionally, I request for the removal of negative items that are inaccurate or outdated. I believe that the inaccuracies and negative accounts information on my credit report are causing undue harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX XXXX  XXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$360.00}.
Consumer complaint received 2022-11-10
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)

Equifax and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Equifax so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX  XXXX