davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (FL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-08-09
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. (TX)

After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. Remove these fraudulent accounts that do not belong to me from my credit report. These accounts are not mine.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc. (MD)

On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX I received an image via text with the following message : FROM : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt-collector. 
Call us at XXXX or visit us online using reference number XXXX at fncbinc.com. Reply STOP to stop texts. 

I also received the following text message : Call us at XXXX or visit us online using reference number XXXX at reminder.fncbinc.com/fncb Reply STOP to stop texts. 


I received these messages on other occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I received these messages from the number ( XXXX ) XXXX. On XX/XX/XXXX, I received these messages from ( XXXX ) XXXX.
Consumer complaint received 2022-10-19
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. (LA)

n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX This act states that I have a right to privacy and that a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2023-08-09
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. (FL)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX, chair of the House Select Subcommittee on the Coronavirus Crisis, asked the CFPB to investigate Experian, XXXX and XXXX for allegedly failing to address consumer disputes during the pandemic. The select subcommittee said it found evidence that the agencies discarded disputes without investigation. 
XXXX said the credit raters potentially violated the Fair Credit Reporting Act. Experian is violating the FCRA by discarding my dispute letters and refusing to remove the following accounts. Although I've provided Experian with a FTC report they are discarding my dispute letters and refusing to delete inaccurate information. 

XXXX XXXX XXXX, Unverified Account DEPT OF XXXXNELNET, XXXX, Unverified Account XXXX XXXX BANKRUCPTY-DISCHARGED, Court : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX CFPB reported then that 4.1 % of complaints were resolved in XXXX, compared with nearly 25 % of complaints in XXXX, before the pandemic. Experian corrected about 52 % of the disputed late payments or other bad data. The subcommittee partly credited the pause on student loan payments and an increase in pandemic-related identity theft to credit reporting errors. Yet according to evidence obtained by the subcommittee, the credit raters discard millions of disputes a year without investigation. At least XXXX XXXX were thrown out between XXXX and XXXX, the subcommittee found. 

Discarding disputes violates the fair credit laws if any are submitted directly by consumers to authorized representatives.
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland XXXX put a hold on my personal daily checking account for XXXX when it only had about XXXX. This amount doesn't go thru my account in 2 or 3 mo. This debt must be at least XXXX old.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My loan payments were always sent on time. I keep explaining this to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX
Consumer complaint received 2018-12-06
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. (TX)

My loan payments were always sent on time. I keep explaining this to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX
Consumer complaint received 2023-08-09
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. (FL)

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 Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$59000.00}. 

XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I couldn't apply for any loans because of the negative items list on my report that shouldn't be there.
Consumer complaint received 2023-07-20
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. (NJ)

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 ( Original Creditor : XXXX XXXX ) : Account number XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : Account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXXXXXX has violated my rights. 

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 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.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

" I've noticed several attempts to obtain credit and loans in my name, all within a single day, despite not being responsible for these actions. It appears that someone has fraudulently used my identity to apply for financial products without my consent. I'm deeply concerned about this unauthorized activity and would like to take immediate steps to address and rectify the situation. '' XXXX this occurred inquiry XXXX I noticed it
Consumer complaint received 2023-11-10
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: SYNCHRONY FINANCIAL (FL)

This is to confirm that a timely billing dispute was filed on XX/XX/2023 utilizing the Venmo Visa Credit card support number at XXXX. Specifically, this is for the merchant XXXX XXXX XXXX  in the amount of {$5200.00} dated XX/XX/2023. The purchase was an initial down payment for my other half XXXX XXXX concerning the merchant obtaining XXXXXXXX XXXX XXXX watches from the vendor. However ; 36 days after the initial posting of the charge, the merchant has not been able to provide a solid concrete date or very close estimate of when the merchandise will be acquired. Attached is email proof sent to the merchant on XX/XX/2023 at XXXX XXXX  and XXXX XXXX  requesting that the merchant cancel the order. Additionally, attached is the merchant return policy taken directly from the merchant website. In conclusion, no merchandise was ever shipped by the merchant, thus, no return policy is applicable. The only response received from the merchant is in the attached email dated XX/XX/2023 at XXXX XXXX  in which the merchant stated : " Hi XXXX, can I call you ''?
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My loan payments were always sent on time. I keep explaining this to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX
Consumer complaint received 2018-12-06
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. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2022, i used Capital One ATM to deposit {$790.00} into my checking account via my debit card. ATM is an official Capital one atm that is attached to their branch in XXXX, MD. Upon deposit, the atm malfunctioned and turned off. It then reset itself after XXXX seconds. My deposit and transaction was cancelled and my funds were not returned. I entered the branch and notified the branch manager. She provided document for me to call Capital One Claims line. I filed the claim and received the claim number. I was advised that my issue with be resolved in 3-5 days. 

After 5 days, I called Capital One claim line for an update. I was told that I would not be provided a provisional credit until after 10 days as that is required by law. I advised that I am in needs of the funds to pay my bills and do not have luxury to wait for more days. I received rude customer service and customer service representative hung up.
Consumer complaint received 2022-10-19
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (CA)

I am writing to bring to your attention a concerning issue regarding the conduct of XXXX, a telecommunications company, regarding their handling of my debt. Despite my explicit instructions to cease communication under the Fair Debt Collection Practices Act ( FDCPA ), XXXX continues to engage with third parties and disclose information about my debt. This includes selling my personal information to collection agencies, resulting in repeated attempts to collect the debt and potential harassment. Such actions not only violate my rights under the FDCPA but also jeopardize my privacy and security. I am deeply troubled by XXXX 's disregard for my lawful request to cease communication and their apparent willingness to compromise my personal information. I urge the CFPB to investigate this matter promptly and take appropriate action to ensure XXXX 's compliance with consumer protection laws.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

in XX/XX/2022 i checked my balance witch was XXXX dollars and change i payed the full amont on that day with my debit card checked my balance days later and now they say i owe XXXXand change for intrest on purchaces witch i have not used the card in almost two years
Consumer complaint received 2022-10-19
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2023-05-29
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (FL)

After performing a credit swap with XXXX XXXX XXXX on XX/XX/2022, which involves me providing my security instrument containing material information to secure all future payments, threatened jail time if I didnt make any extra payments after my security instrument in fact already secured such payments I was manipulated to be responsible for. 

When performing an actual credit swap XXXX XXXX at no point disclosed to me that a security is required ( by law ) for consideration under the agreement/contract. 

Auto Boutique never disclosed to me that I created a security instrument under the agreemenXXXX XXXX XXXX  never disclosed to me they received my security instrument as a cash deposit onto their account ( XXXX ) /ledger XXXX  XXXX never disclosed to me at ANY point my security instrument funds the credit for VIN # XXXX At no point did XXXX  XXXX disclose we were engaging in a credit swap. I funded them-they funded me transaction. 

XXXX XXXX  then INCREASED the total sale price by 300 % from XXXX to XXXX, after explaining to me I couldn't receive the vehicle unless I made a cash diem payment which is pursuant to 15 usc 1605, in regards to the law the {$5000.00} down payment and ALL OTHER PAYMENTS made on a monthly basis to XXXX XXXX collected were all illegal finance charges and a violation.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-10-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have been lied to, misguided, and misled since Navient became my loan provider. First of all I was told my loans were direct loans and would qualify for Public Loan forgiveness which they are not. I was told that I was close to making 120 on-time payments. Then I was told I make to much money and that I would satisfy the balance before the 10 years.

Then when I was told they were wrong about that and they consolidated my loans in to what was then supposed to a direct loan and my payment were raised and supposedly based on my income. ALL which are lies. All which will cost me 1000 's of dollars. I have been paying these school loans for over 10 years. I could not be  more upset at a company for XXXX with my livelihood.