davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (CT)

Due to the regulations regarding the restart of student loan payments and the new SAVE plan, my IDR recertification was not due until XX/XX/XXXX. However, because the XXXX website had not been updated, it reflected a past due recertification date, and I was unaware the covid pause extended deadlines, so I recertified through there. Upon logging into edfinancial 's page, however, I found that I had not been required to recertify for another 14 months. I requested that edfinancial deny my application and NOT use my recertification in calculating my IDR payment. On XX/XX/XXXX I received a payment schedule from edfinancial showing {$0.00} payments for 15 months. Today, XX/XX/XXXX, my account shows that my recertification was accepted despite my request. As such, my payment has now gone up significantly. Due to the discrepancy in dates between the pages, I was misinformed and I want the same benefit of an extended recertification requirement as everyone else.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (FL)

There is several wrong inquiries in my credit report, these unauthorized inquiries are wrong. I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge
Consumer complaint received 2023-09-12
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

-these inquiries are not results on any actions on my part and are fraudulent
Consumer complaint received 2022-11-04
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. (OR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-09-11
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. (CA)

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 XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2006 and a balance of {$170000.00}. 

-unable to complete XXXX exchange because of this incorrect item.
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (MN)

Dear Discover Customer Advocacy Team, Re. Case Number : XXXX I write in response to your correspondence received from the XXXX Executive Office of Customer Advocacy regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. Thank you for your attention to this matter ; however, I believe further clarification is necessary. 

With respect to your response dated XX/XX/, understanding your reference to an unchanged previously reported account history, my initial complaint raised specific concerns under the terms of 12 U.S. Code 83 and 15 U.S. Code 44. I had requested for documentary evidence connected to my account ending in XXXX, including certain documents, correspondence, financial and corporate records pertaining to my account. 

I appreciate that you have provided a contact for your Customer Assistance and Recovery department. However, this does not entirely satiate my request for proof of the original instrument of indebtedness which I am entitled to receive according to 12 U.S. Code 83. Additionally, I require a clear understanding of the funding of the account and an account payable-receivable breakdown from the date of the opening of the account as outlined in IRS Publication 583, also referred to as the XXXX. 

Your previous response didn't appear to adequately address these assertions, and I am still desirous of resolution. I submit this reinforcement of my initial complaint with the hope that we can address this matter collectively, providing me with the aforementioned documentation and assurance that my debt will be settled upon receipt of the full payment amount detailed in my initial complaint.

I understand that these are unusual requests but please understand that they are made with respect to the Law and my rights as a customer.
Consumer complaint received 2023-09-11
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. (IL)

I submitted a dispute letter XX/XX/2023 with all 3 credit bureaus. I just checked my credit report and see that the item is not listed as disputed. I do not believe that this company is following the law, because 15 USC 1692 E h states communication or threatening to communicate information to any person which is known or which should be known to be false including the failure to communicate that a debt is being disputed. 
XXXX XXXX XXXX XXXX posted XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have hard inquiries on my credit reports but I didn't give authorization for my credit to be hit 6 times and its hurting my chance of a successful credit score. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX 15 USC 1681 ( a ) ( 4 ) " Infringed upon consumer 's right to privacy '' 15 USC1b ( a ) ( 2 ) " No permissible purpose /No written instruction ''
Consumer complaint received 2023-07-07
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, XXXX XXXX U.S Code 1681c-2/ and section 605b of the fair credit reporting act 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 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these ITEMS IMMEDIATELY!

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 federal protected consumer. NO CONSENT IS IDENTITY THEFT.as a consumer I am demanding the deletion of the accounts listed immediately
Consumer complaint received 2023-07-07
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. (IA)

Previously disputed this complaint with CFPB # XXXX asking to verify or delete account immediately as I do not recall having this debt. Results came back as verified stating that account had been opened online and that my personal information had been used and billing statements had been mailed to my address and were never sent back as returned. This is NOT verification at all. 

Credit report is still reporting inaccurate showing a higher balance than credit limit. There is no way that balance is higher than what credit limit is. Account is reporting as CLOSED with payment status of Collection/Chargeoff so their SHOULD NOT be a pass due nor should their be any payment reporting especially using consecutive charge off as a payment method on a dead account. Last payment is inaccurate. This is a total mistake.
Consumer complaint received 2017-12-13
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 (IN)

CAPITALONE CANCELLED CAPITAL ONE DEBT PROTECTION PROGRAMS WITHOUT PERMISSION AND NOW MUST FORCE ARBITRATION ON SAID ACCOUNT. 

FILE A CLIAM THAT WOULD PAY OFF BALANCE OR CANCELL DEBT.
Consumer complaint received 2023-09-11
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. (SC)

Ive notified these credit bureaus Trans Union and XXXX, several times, and let them know that these specific items from XXXX XXXX financial and XXXX XXXX, XXXX are fraudulent accounts and should not be reporting to my credit report. Theyre telling me that these accounts are verified, but never send me proof. I need these items deleted from my credit report immediately.
Consumer complaint received 2022-12-08
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. (FL)

checking my credit profile ive noticed alot of invalid information only credit report that is hindering my file. I'm interested in disputing all incorrect information on my credit report. all credit reports are supposed to be 100 % accurate. please update all information asap.
Consumer complaint received 2022-12-19
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. (NV)

These inquiries do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (MA)

Chase deducted {$95.00} annual fee for safety deposit box from my checking account in XX/XX/23. I closed safety deposit box approximately 5 years ago. Chase says its still open. Their error. I live in different state and am handicapped. Chase branch says I have to come back to CT and have locksmith drill open box. I turned in key 5 years ago when box closed. Each year I got a bill I dealt with bank and the bills were credited. This year they just took out the fee from my checking account. I need my money and want them to stop billing me for something I no longer have.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (NY)

In XXXX 2012 my son opened a credit card with Discover, it was a student card. The card had a {$1500.00} limit, that summer he went to Florida and proceeded to charge an additional {$700.00} over his limit ( Discover allowed him to do this ). I am not even sure they checked his employment to be sure he could afford to pay off that kind of debt. When it came time to make payments on the card I had to get involved to help assist him with this debt, I had called Discover on his behalf and they needed approval from him for me to speak on his behalf he said that was ok. Meanwhile Discover added me on to the account as an authorized user, the way I found this out was the other day I was checking my XXXX account and they said out of XXXX payment XXXX were on time the XXXX that were late were Discover card payments. I do not have a Discover card in my name, I reached out to XXXX and XXXX, XXXX said they would dispute it for me, I could not get a hold of XXXX XXXX. I am asking for assistance to have Discover remove me off of my son 's account that I never approved them to do and to remover the XXXX late payments off of my credit report. Thank you.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One advertises two complimentary lounge visits per year as a benefit of the Capital One Venture Rewards card. However, nowhere on the website there is an explanation of how to actually use this benefit. 
I called Capital One on XX/XX/2023 and was told that, in order to use this benefit, I should use the Capital One Venture card to pay for admission to one of the partner lounges listed on the website, and I would then get a statement credit. 
On XX/XX/2023 I visited the XXXX XXXX at XXXX XXXX at XXXX airport ( XXXX  ), which is listed on the partner lounge list. I paid with the Capital One card ( they would not let me in otherwise ) and was charged {$53.00}. 
I just received my card statement dated XX/XX/2023 and there is no statement credit. I called Capital One on XX/XX/2023 at XXXX XXXX  and spoke with three different people, including a " supervisor '' and a " benefit specialist ''. All sounded completely unfamiliar with this benefit, and kept insisting that I was not entitled to a credit because I don't have a Venture X card. I repeatedly directed them to the Capital One website, where things are clearly spelled out ( the XXXX XXXX XXXX page clearly states : Eligible Venture X cardholders get unlimited complimentary access for you and two guests, while eligible Venture & Spark Miles cardholders enjoy two complimentary visits per year - see screenshot ), to no avail. Overall I was on the phone for 51 minutes for nothing, because they refused to refund me. 
Capital One failed to provide a promised benefit, which is not surprising since the company is deliberately vague about how to use it. 
Moreover, forcing customers to nearly hour-long phone calls in order to receive a promised benefit is a major deterrent to utilizing those benefits.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2020-03-05
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: CITIBANK, N.A. (FL)

Contacted XXXX  numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) XXXX XXXX XXXX 2 ) Sears/ CBNA 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I noticed on my credit report that it states an address that I never lived, nor ever heard of. The address is : 1 XXXX XXXX, XXXX XXXX XX/XX/2020 I have sent several letters to XXXX, Transunion, and XXXX upon me noticing this fraudulent address and they have ignored my request and never removed the address. I also sent them my identity and a utility bill to let them know my correct address. I am afraid I may become a victim of identity theft with this address on my file.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.