davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2022 I stopped at a gas station and my card was declined so I logged into my online account to learn that my funds were unavailable. I then called the number provided and was getting a message stating for me to leave a message and that they would get back to me within XXXX business days. I proceeded to call because not only is my rent due tomorrow but other bills are scheduled to come out of my account and I have a planned vacation out of the country for XX/XX/2022 and no access to my funds. I missed half a day of work on the phone with the bank and at their cafe branch located in XXXX WA. trying to get help with getting my funds before I leave. I was able to obtain {$2000.00} of my balance but had to pay {$20.00} to get the remaining balance mailed to me. Which I still may not get until after I am already gone on my trip. I was told when I was finally able to reach someone that an internal investigation happened and that they decided not to allow me to have an account with them any longer. I have been a bank account holder with them since ING Direct was the initial banking institution. How I have been treated and handled with all of this seems very retaliatory. Furthermore, I have a direct deposit that was scheduled to hit the account on XX/XX/XXXX and have had to try to stop that, and now I have to possibly wait XXXX  days for a check to be sent to me if they don't reject the direct deposit. Either way, I will not get my paycheck as I expected the day of my trip and have to wait with the hope that I receive the check with the remainder of the funds before I leave. I can not get a refund on my ticket for my flight or hotel room nor can I change it. That being said I am not going to get paid on Friday which is my pay date and I am at their leisure when it comes to when the rest of my funds will be received.
Consumer complaint received 2024-03-01
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. (GA)

My personal information was lost during a relocation in 2019. I begin to monitor my account and have noticed accounts I have not authorized nor have any affiliation with. I see that someone has obtained lines of credit with my information. There are accounts and credit inquiries that I have no knowledge of. The credit inquiries also include : Experian, XXXX XXXX, XXXX, XXXX, XXXX. I have no idea who these creditors are.

I've contacted the credit reporting agencies notifying them of the issue as well requesting verification of these accounts with no formal response, these accounts are not verifiable.

I have the right to privacy and furnishing these accounts without my written consent is in violation of 15 USC 1681B Furnishing information in direct result of identity theft is in violation of 15 USC 1681 C-2. 
I requested that the invalid addresses are removed from my profile, this is also causing accounts to be placed on my profile. These accounts being furnished to my account is affecting my ability to obtain credit
Consumer complaint received 2023-05-26
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. (NJ)

I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-24
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: OneMain Finance Corporation (MO)

I would like to have One Main removed from all three credit reporting bureaus. Not only was this account opened due to my identity being compromised, but they have also opened duplicate accounts. I have submitted police reports and documents to support my claims, I have paid hundreds of dollars to credit companies to dispute these accounts. One Main has not tried to resolve this issue I do not know who these credit reporting companies are. They have not verified this information. This erroneous reporting has caused my life to suffer a hardship. This is also a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Also Section 611 ( 5 ) ( A ) of FCRA they required to delete information which can not be verified.
Consumer complaint received 2022-11-24
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) .as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and 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 a my file at XXXX and 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 item 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. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (WI)

This company, XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX previously sent letters stating I owed on a credit card account. They said legal action would be taken if I did not pay the debt. I requested information and to cease communication if they refused to send information. They followed with a letter stating it was my responsibility to deny the debt. I again asked for a cease and desist. One year later, they contacted me about a different credit card account they bought, presumably in my name. They filed a judgement against me. On the date of the initial appearance their attorney did state I had a cease and desist order prior to this account in reference. At no time has the company sent information regarding either account. I have court tomorrow and they've provided no documents. I also do not owe what they say but I cant afford an attorney and may likely lose the case.
Consumer complaint received 2018-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pendleton Capital Management (MO)

Called numerous times saying they were going to come to my house unannounced and to be ready for them when they get here and serve me papers and notify the authorities and my family and employer. Did some research and they are a scam collection company working off a PO Box at the XXXX store.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. 

I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. 

There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by midland mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that midland had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to me.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (PA)

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 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 2023-05-26
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. (UT)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus must modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission. According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate ; I can go on and on. 
The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Consumer complaint received 2022-11-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance : {$670.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Consumer complaint received 2020-04-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC (GA)

Omni Military loan reported the same collects twice on my credit. I tried to call them but the call sent me to sunrise bank. I explained to them what happened and they told me they cant do anything about it. I asked to speak with their manager and they told me they cant give me his number only email. I emailed the manager proof and explained to him that it is the same collection and amount on both accounts. I only owe one balance of {$2000.00} not two. With XXXX and XXXX they have a complete account number. With XXXX they have reported it without the XXXX Infront of the account number. The manager told me they will not remove anything. The next morning they called me back to arrange payments. I asked them to give me the number for Omni they told me they cant give me that number. The spoke with Omni Financial themselves and they told me that Omni will not remove anything.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (GA)

Hello these company is reporting fraudulent account. Regardless of my previous written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. American Car Center XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted dispute for a credit card account on my report, that is showing " closed included in bankruptcy '', but I have my court documents showing that this account was never filed in my bankruptcy case in XX/XX/XXXX. 

I sent dispute to XXXX on XX/XX/XXXX and it was investigated and updated to my credit file on XX/XX/XXXX with the exact same information no changes. 

They said it was verified as accurate but I know for a fact it was not listed on any of court documents as part of a bankruptcy. I would like them to correct this information or delete it.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (CA)

I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I already contacted you as well for this problem but yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. 
It is XXXX XXXXXXXX XXXX XXXX XXXXXXXX loan, Date opened XX/XX/2022.
Consumer complaint received 2017-10-27
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. (VA)

I filed for bankruptcy in XXXX and then voluntarily withdrew it. The bankruptcy court did not DISCHARGE IT OR DISMISS IT. I VOLUNTARILY WITHDREW IT.I disputed with all three reporting bureaus and XXXX and XXXX took it off my credit report. Equifax refuses to and says that the information they have is correct.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Capital One XXXX XXXX XXXX  XXXX XXXX, VA XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. Washington XXXX DC XXXXXXXX XXXX XXXX  credit card trip delay coverage Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Dear Eclaimsline dba XXXX XXXX XXXX XXXX XXXX XXXX : On XX/XX/XXXX, I experienced an overnight trip delay while traveling on tickets purchased with my Capital One XXXX XXXX credit card. I incurred expenses totaling {$230.00} for 2 passengers. This card covers up to a maximum of XXXX XXXX dollars ( {$500.00} ) for each purchased ticket. 
On XX/XX/XXXX, I submitted an insurance claim of {$230.00} via XXXX with supporting documentation. 
On XX/XX/XXXX, additional documents were requested, which were provided. 
On XX/XX/XXXX, the same documents were requested, which were again provided. On XX/XX/XXXX, a partial payment of {$71.00} was issued. 
On XX/XX/XXXX, I requested payment in full, which was denied on XX/XX/XXXX. 
Now, I respectfully demand that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX pay in full my claim for {$230.00} pursuant to the benefit terms offered by my Capital One card. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-11
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: SANTANDER HOLDINGS USA, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : SANTANDER CONSUMER USA XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-11-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX