davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

Capital one has decided to stop excepting debit cards for payment and has not notified any of the customers. This is creating an extreme hardship for me as I am in the process of moving and do not have access to my banking details other than my card that I pay with every month. I am now unable to pay capital one because I dont have all my banking details handy right now. This makes me look bad and affects my credit score because they are incompetent.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-07
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)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and Equifax credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Account Balance : {$33000.00}
Consumer complaint received 2023-06-23
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 — Problem with personal statement of dispute
Company: QuickClick Loans of Illinois, LLC (TX)

The creditor is Brookwood Loans - a Balance of {$830.00}. It reports that I am 180 days past due. It is reported that I have been late 64 times. The date of the loan is XX/XX/XXXX, and the last payment was made in XX/XX/XXXX. I have been trying to get the original loan documents from this creditor. This is a fraudulent loan and was taken out by a family member unbeknownst to me. The creditor refuses to give me any documents or verify the loan. He verbally accused me of lying over the phone. This has been going on for years. I have called over the years and received no help. I asked the manager XXXX to mail the documents to me verbally and he stated, " I can't do that because I don't know if you're XXXX XXXX. '' This creditor 's inaccurate reporting has kept my credit rating in the toilet. This has caused me a great deal of stress and XXXX. I have written the creditor and asked for the original documents and the creditor responded by writing me back stating I should log onto the website to get the documents. They have been bullying me for years and refuse to verify this debt. I have called just to be insulted and dismissed. By not knowing my rights as a consumer, I could have filed a complaint against them. XXXX has failed to help me as well. I have been discriminated against and I would like to file suit against this creditor.
Consumer complaint received 2023-02-11
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. (MA)

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 2023-10-04
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. (FL)

My credit report is showing late payments to XXXX - CARD SERVICE  XXXX and XXXX  - CARD SERVICE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX CARDs customer service representative.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (DC)

Dear Navy Federal, I hope this message finds you well. I am writing to address a concern regarding my account, as I believe there may have been an error on your end. Last year, I initiated a pledge loan for {$30000.00}, and at the time, the funds were present in my checking account. However, I have since noticed that the {$30000.00} has been debited from my account, and the pledge loan has been removed. 

According to your records, I now purportedly owe {$13000.00} to settle this debt. Given that I frequently engage in substantial financial transactions, including trading in cryptocurrency and stocks, I possess a documented history of such activity. I am uncertain as to the origin of this discrepancy. 

I am kindly requesting a comprehensive investigation into my account pertaining to the missing {$30000.00}. Should this matter not be resolved in a timely manner, I may regrettably be compelled to pursue legal action against Navy Federal in order to reclaim the funds owed to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-09
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. (CA)

XXXX XXXX Account # XXXX Date opened : XXXX Identity theft : Remove Account and items reporting Amount Reporting {$3700.00} Multiple Attempts to delete Account information
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE SENT SEVERAL LETTERS SINCE 2022 FOR INQURIES THAT ARE ON MY CREDIT REPORT FROM TRANSUNION. AND ALSO THIS YEAR FOR COMPASS LEASE XXXX, XXXX XXXX XXXX XXXX XXXX .I HAVE YET TO GET A RESPONSE .THIS HAS COSTED A GREAT DEAL OF STRESS IN MY LIFE, AS WELL AS A HINDERANCE TO MY LIVELYHOOD. I HAVE BEEN TRYING TO BUY A HOME. I HAVE LOST JOB OPPORTUNIES AND MUCH MORE. THIS IS A DEFLAMATION OF MY CHARACTER AND AGAINST THE LAW. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XX/XX/XXXXAccount # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from XXXX Mail for XXXX
Consumer complaint received 2024-03-13
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. (TX)

I am requesting assistance from the CFPB concerning the violation of my rights as a consumer. I was a victim of ID theft, I noticed the credit bureaus of the fraudulent account and inquiries posted on my credit report that needs to be blocked and removed immediately per federal law FCRA fair credit act section 609 and section 609 ; also federal law 15 U.S.C 1681 C-2. I have provided copies of official police report and Federal trade commission Idenitity theft affidavit along with my social security card Drivers license and utility bill. The following information I am demanding be blocked and removed immediately per federal law : FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$6900.00}. 

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IA)

3 years ago purchased a PC from Best buy when I was ready to pay the sales person told me that I can save 15 % if I used their credit card. I agree got home and cut their credit card, two weeks latter they send me bill for the PC, I paid the full amount with my credit card that I have for more than 10 years. Last year when I was overseas  keep getting messages that I was late in my payments to Citibank I keep ignoring it because I never had any purchase with their card since I don't have a credit card with them. At my return went to Best Buy and complained of the charges from Best Buy that I never had, the attendant went to talk to someone an at his return he said do not worry they think it is a scam. 
Thank you XXXX XXXX XXXX. 
The collecting agency is XXXX XXXX XXXX XXXX, CA XXXX Ph ( XXXX ) XXXX REF XXXX
Consumer complaint received 2022-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

The Credit bureaus assured me my account was accurately investigated. I find this hard to believe because the accounts are still reporting inaccurately. The open date is still inaccurate, The date last active is inaccurate, and the date last reported is not correct. What was the process used in the investigation into the validity of so-called accounts? I also requested an address update that's and to delete outdated addresses to no avail. This is grounds for removal. They also violated my rights under : 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 an account without my written instructions A. Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # and company name XXXX XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated : XXXX/2022 XXXX. XXXX XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated : XXXX/XXXX/2022 XXXX. XXXX XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated : XXXX/XXXX/2022 XXXX. EQUIFAX : tracking # - XXXX XXXX XXXX XXXX XXXX dated XXXX/XXXX/2022 XXXX. XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated XXXX/XXXX/2022 XXXX. XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated XXXX/XXXX/2022 XXXX. XXXX XXXX  : XXXX : dated XXXX/XXXX/2022 and XXXX : dated XXXX/XXXX/2022 ITS THE DUTY OF THE CREDIT BUREAU to report 100 % accurate information or to give a cure. I do not wish to be part of any fraud
Consumer complaint received 2023-03-13
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. (VA)

XXXX XXXX has a loan on my credit report that I never opened. The loan is for almost {$3000.00} says that I am past due for the payment. I've contacted XXXX XXXX they couldn't give me any information on the account because they couldn't find it. From what I see on XXXX XXXX the account was opened on XX/XX/XXXX of XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was made an authorized user on a XXXX XXXX XXXX XXXX with a {$25000.00} limit that is not being reported on my credit report. I reached out to the company for them to rectify this issue and was told they only report for spouses. This is inaccurate reporting on my credit report.

15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1611- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

XXXX XXXX XXXX XXXX willfully and knowingly are aware of the fact that I am an authorized user on the account and are not reporting it to the credit bureaus which is false and inaccurate reporting. By not accurately reporting they are impacting my XXXX XXXX since a {$25000.00} limit is not present it affects XXXX out of the XXXX factors of the XXXX credit reporting criteria. 

Not Reporting a card with a {$25000.00} limit affects : 1 ) The percentage of credit utilization 2 ) Payment History ( the on-time payments of the primary account holder that should reflect for the authorized user each month ) 3 ) New Credit Mix 4 ) Length of Credit History ( which should have been extended based on the length of time the primary user has had the card ) 5 ) Amount Owed I am requesting that you rectify this issue and start to report on my credit report the accurate information necessary to avoid directly impairing the efficiency and the public confidence of the banking system.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Around the beginning of XXXX my father past away and I was in the middle of changing insurance companies. I requested a quote from XXXX and I let the representative it was too expensive. I rudely responded thank you for wasting my time. I ended up going with XXXX XXXX. The representative from XXXX fraudulently activated my quote in XXXX. I've tried to contact all state and the debt collection agency to get this resolved to no success.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited cash of {$5900.00} on XX/XX/23 and the money has not reflected on my account for over XXXX months. When I ask the bank customer service and bank branch they say they are not able locate the funds and gave me no reason to where my money went. I have tried them many times and have received to positive response. The money was deposited the financial institution that Bank of America at Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2023-10-06
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. (AZ)

XXXX XXXX XXXX XX/XX/1996 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the accounts listed be removed immediately : - XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXXXXXX XXXX XXXX Balance : {$93.00} ; XXXX XXXX XXXX  Balance : {$3000.00} ; XXXX XXXX XXXX  Balance : {$190.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-03-14
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. (TN)

To Equifax, XXXX, and XXXX. I am writing this letter asking you all will you please delete all inquiries off my credit repot so that my Credit will go up into the 700 or 800 please. My name is XXXX XXXX. These inquires has pulled my score down alot. Can these inquires be moved ASAP. These inquires have stopped me from opening up credit. Thanks
Consumer complaint received 2022-12-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (IN)

Commenity Bank has contacted several individuals of my family, including extended family, in regards to credit card debt owed and on at least 3 occasions disclosed specific information in regards to the debt. 

On XX/XX/XXXX Commenity contacted my sister and gave her specific information on my debts owed and disclosed that there was a balance of {$4000.00}. It is believed that they were under the impression that it was my wife they were speaking to as they only used " XXXX '' and our last name. Regardless, my wife is not authorized for information on this account either. I am the sole owner of the debt. 

This is the second time Commenity has corresponded with my sister and has given specific information ; however, the first date was not documented by me personally but it is believed to be in the XXXX timeframe. 

They have also contacted my step father as well. Both of those individuals had disclosed balances and personal information in regards to my account.