davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

Hello, so apparently us bank decided to close my accounts for whatever reasons and they have not refunded me the funds that were left in my accounts. Its been a few weeks now and i really need my money. Can you help expedite the reimbursement of my funds pelase?
Consumer complaint received 2023-08-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I tried opening an account with XXXXXXXX XXXX  and while opening it, they restricted my account before i could use it at all. I called to see what the issues were and they transferred me to XXXX XXXX XXXX so i could find out what's going on and what's the reason for this to be happening. XXXX XXXX XXXX sent me a disclosure on the reason why I've been restricted to my account and as i look at the report I'm very furious, upset, and mortified at such thing I've been a victim of fraud and identity theft i don't recall opening that many accounts and I would never do such a thing. The account that i don't recall opening that's showing on my report are BANK OF AMERICA, XXXX XXXX, BANK OF AMERICA GEORGIA, XXXX XXXX XXXX, and. Now I'm stuck with this outrageous problem that will probably cause me some trouble in the future. Could you guys please give me a call back at ( XXXX ) XXXX please and thank you because i really need to get this mess resolved immediately.
Consumer complaint received 2023-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Recovery Corporation (CA)

I sent a debt validation to this company on XX/XX/23. I sent this via XXXX certified mail and it was delivered XX/XX/23 at XXXX. I asked for a debt validiation within 30 days and have no heard back from the company with any communication.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (KY)

RESURGENT CAPITAL SERVICES OBTAINED AND BOUGHT A XXXX XXXX ACCOUNT WHICH WAS COVERED UNDER A BANKRUPTCY COURT ACTIONS SO FILED WITHIN THE XXXX KENTUCKY DIVISION OF THE UNITED STATES BANKRUPTCY COURT, REFERENCE ID # XXXX, ACCOUNT NUMBER ENDING IN XXXX ; ORGINAL CREDITOR WAS XXXX XXXX, THE CURRENT OWNER OF THIS OLD DEBT ACCOUNT WAS PINNACLE CREDIT SERVICES FOR A BALANCE OF {$1200.00}, THE ORGINAL ACCOUNT OWNER WAS XXXX XXXX XXXX. THIS ACCOUNT UNDER PENNACLE WAS DIS-CHARGED IN A BANKRUPTCY ACTION AND DUE TO KENTUCKY LAW OF LIMITATIONS THEY CAN NOT OBTAIN ANY FUNDS FROM ME TO PAY WHEN IN FACT THEY ARE NOT ENTITLED TO BRING A LEGAL GROUND FOR DOING SO, THEY ONLY INTEND TO RIUN MY CREDIT AND REPORT AGAIN AN OLD DEBT TO ALL THE CREDIT REPORTING AGENCYS SUCH AS, XXXX, XXXX, XXXX, THEY IGNORED A WARNING LETTER AND A CEASE DESIST LETTER AS WELL, THEY CONTINUE TO HARRASS ME AND MY FAMILY MEMBERS WITH CORHESIVE TATICS
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-03
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: WELLS FARGO & COMPANY (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under XXXX USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple filling errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; Delete THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 

REMOVE THESE INQUIRES AS THEY NEVER RECEIVED PERMISSIBLE PURPOSE TO FURNISH THIS INFORMATION IN PURSUANT TO 15 USC 1681B THEY ARE IN VIOLATION OF FEDERAL LAW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WFDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand a validation of debt in pursuant 15 USC 1692g If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights reserved without Prejiduce UCC 1-308
Consumer complaint received 2023-08-02
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: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX, I applied to XXXX for an upcoming dental appointment, and they approved a credit line of {$2500.00}, the amount I requested. There is an account number I can provide if necessary. I had the XXXX appointment on XX/XX/XXXX. The dental office gave me a paper with a QR scan code with Care Credit. The offer was up to 24 months without a finance charge. I wanted to take advantage of this offer. Plus, I learned the cost had increased, and I now needed XXXX instead of the XXXX I initially asked for when I applied on the XXXX website. I called the customer service number listed for Care Credit on XX/XX/XXXX and spoke to a gentleman. I explained I had put the " cart before the horse '' by applying the day before. I needed a higher credit limit and wanted the no-finance charge offer. I asked if I could stop the pre-approved account and re-apply with the QR code from my dental appointment. I specifically asked if it would create an issue, and he said it wouldn't cause a problem ; he would cancel the pre-approved account, and I could re-apply immediately. Well, I've been re-applying ever since and keep getting denied. The reason on the denial letter states, " Your request was denied for the following reason ( s ) : Previous application approved. '' I've called multiple times and need help finding someone at Care Credit or Synchrony Bank, the finance company for Care Credit. The most recent phone call told me I was " given the incorrect information '' when I called on XX/XX/XXXX. The problem is, I need my orthodontics. Care Credit/Synchrony Bank is reporting I have a credit account, but when I call them, they can not find an account, and I do not have access to the credit. How can they report me as an open account without giving me access to the funds?
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

My ordeal began with the {$5400.00} purchase of a defective XXXX XXXX  online on XX/XX/2023, which XXXX subsequently refused to replace. In seeking a resolution, I contacted Capital One to assist with the replacement and halt the payment until the issue was resolved. Despite multiple follow-ups with both XXXX and Capital One, including direct communication with XXXX XXXX XXXX, XXXX XXXX, the replacement has not been provided by XXXX. Instead, Capital One started to charge me a late payment of the defective computer. 

I believe that Capital One 's failure to protect my interests in this matter constitutes a serious breach of their responsibility, particularly concerning fraud protection. Rather than standing by their customer, their actions appear to support the fraudulent conduct by failing to intervene appropriately.
Consumer complaint received 2023-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023, I made a complaint to the CFPB regarding Experian 's persistent refusal to correct inaccuracies on my consumer report regarding the inaccurate dollar and cents amount owed on my XXXX XXXX credit card account. Experian continues to be reckless and negligent in fixing the error ( See Attachment ). Additionally, XXXX  XXXXXXXX credit card ALSO is in violation of 15 USC 1681e by reporting inaccurate balances to Experian because they are missing the dollars AND CENTS amount. Thus, BOTH Experian AND XXXX XXXX are in violation of my federally protected rights under FDCPA, FCRA, UDAAP, 15 USC 1681a, AND 15 USC 1681e. They MUST ensure ACCURACY of the account on BOTH my consumer report AND credit file. BOTH XXXX XXXXXXXX, the furnisher of the information AND Experian, the consumer reporting agency are LIABLE for these continued violations of laws!
Consumer complaint received 2023-08-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2023 I sent correspondence to Equifax in regards to myself being a victim XXXX XXXX this reporter agency had four days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that the company, Equifax, are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family, they are clearly in violation of federal law, and as federally protected, consumer, I demand the action to be taken and corrections to be made this is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interest. Please assist me in obtaining believe I shall. I shall be reaching out to federal authorities and plan to request a full Audit against the company for being accomplices to my pain and suffering, as I attempt to move forward with my life.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Kohl 's Charge account from Capital One Finance is reporting incorrectly. 

I initially called in XXXX to Kohl 's ( who handles the customer service on these accounts ) and was advised a XXXX was issued on my account and the debt was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address.. Weekly, I was told it was mailed. Never received. 

At the beginning of XXXX, I finally received it and the Kohl 's CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. Kohl 's blames Capital One. 

After multiple calls with representatives who couldn't advise on the issue, they told me I would receive a fax stating the error and that my account was issued a XXXX forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. This is Kohl 's customer service. 

Taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blame it on another department or on Capital One. 

I am filing this complaint against Capital One, as they need to provide accurate information. 

Since I have disputed the error ( s ) with the credit bureaus, and you obviously verified them, I am very curious as to what kinds of records you may have for this alleged account. 

Under the FCRA, you are required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation you may have verifying the legitimacy and accuracy of your verification and reporting of the account as stated above. This has not happened. 

Remove this account from my credit report so that I can be done with this mess of customer service and incorrect data and reporting. This account is over 5 years since charge off and I will proceed with litigation if this is not resolved.
Consumer complaint received 2020-01-15
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 (TX)

XXXX XXXX a avp at XXXX Mortgage in XXXX of 2019 Accessed my bank account, credit cards, and rent using stolen accounts from people applying for mortgages at XXXX. I stopped working for the company back in XXXX and starting in XXXX he stole peoples information and use me and my information as a cover-up for fraud. He got into my bank accounts and credit cards doing test deposits and payments and when it cleared he went to XXXX and XXXX XXXX to commit bigger fraud. I was aware of the situation However I didnt know how bad it was until my bank accounts were frozen and credit cards canceled due to fraud. As the months went on I started getting updates from my credit report and banking institutions along with the police and feds About how deep the fraud went. I was cleared of all charges and capital one refuses to delete this credit card off my credit due to they keep confirming its my credit card which I never denied. But the fraud that was committed on my card and payments made fraudulently causing my cards to close I dont accept accountability for.
Consumer complaint received 2023-08-22
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. (CT)

I, XXXX XXXX XXXX, am verifying that XXXX XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-10-07
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. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.