davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

( XXXX ) Experien is using email to send weekly & daily information that is not wanted. in my previous XXXX related complaints ( XXXX filed XX/XX/2023 ), I asked for a paper copy of my updated Experien Report. Company has refused to do so. 

( XXXX ) I have requested not to use email to send me marketing information or others. Company has refused. Continues to send me massive amounts of email information that is unwanted and unnecessary.
Consumer complaint received 2023-04-04
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: TD BANK US HOLDING COMPANY (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

12 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 an 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 any purpose.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

The company XXXX XXXXXXXX XXXX XXXXXXXX continues to report an alleged debt owed to them by me. I have never agreed to do any business with this company nor have I ever heard of them. I have asked for a copy of any contract or documents signed by me agreeing to do business with them in accordance with Contract Law. They have failed to produce this instead they have sent me a copy of an old bill from XXXX, this is not proof of any agreement from me to do business with this company. It was my obligation to first contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it.
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MD)

I've been reviewing my credit reports recently because I'm trying to put myself in position to get approved for a mortgage. I noticed this company Credit Collection Services reporting a debt of {$130.00}. The thing is I don't know who they are or what they are claiming I owe them. I have sent them letters to which they have not responded and I'm demanding they delete this info from my credit reports. I have never in my life done business with this company and they're reporting otherwise is harassment at the least.
Consumer complaint received 2023-09-12
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Georgia Student Finance Authority (GA)

On XX/XX/2023 I spoke to XXXX XXXX about the financial hardship on the interest. I received a bill dated XX/XX/2023 saying I still owe the interest. I called to find out why and I can not reach a supervisor.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-09-12
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-09-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NY)

around XXXX I have received a bill and a collection from from XXXX saying that I owe them about {$3600.00} and I never opened this phone line ever. what was open 2 phone lines and 2 tablets and XXXX barely helped to resolve and now im lost but i went to the local police office and that wasn't much help either they just told me to file a complaint on CFPB and I did that and I waited nothing happened but I got a collections letter in the mail trying to collect the XXXX bill but I don't know what to do after a while it hit my credit profile as Collections and I contacted XXXX and they are actively helping me right placing a fraud alert on my profile
Consumer complaint received 2024-07-17
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. (SC)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Consumer complaint received 2023-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX authorized a new credit card which I never authorized and sent it to an address which is not mine. I received a notification on XX/XX/XXXX to me email and called them to let them know that I never applied for that card. XXXX advised me they would cancel the card and XXXX, in fraud department advised me they made a fraud claim for me. On XX/XX/XXXX I received another notice from the bank that another card was processed and shipped out. When I called XXXX on XX/XX/XXXX the fraud department told me that they could not find the claim that was previously done. This was issued after I put a fraud alert on my accounts. The supervisor appolozied and said she would cancel that one too and insured me she would submit a claim. 
Failing to report a fraud claim by a bank caused my identity to be stolen.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

There are two account that are old and past seven years old. The first one is XXXX and the other is XXXX XXXX. I first did two disputes with all credit bureaus and they refuse to remove the outdated files. I then reached out to both credit lenders and XXXX XXXX agreed to remove the account. This has not happened and its been over thirty days. I reached out to XXXX XXXX for XXXX and actually spoke to a live person that stated that they no longer had my account information in their database and could not assist me any further. I then filed another dispute with all three bureaus without any results except the usual response '' please reach out to the lender ''. Both creditors have zero balances and was closed due to inactivity over eight or nine years ago. I need help in removing this outdated information. I did everything possible with all three bureaus before contacting this agency. Please help me resolve this never-ending issue.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Experian have volationed my right. I demand for them to pay in full for the statutory and actual financial damages they caused me for their non compliance. They never did a proper investigation. They are to also remove all accounts that is listed in my documents.
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. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted Bank of America because I was not receiving e-alert emails for my account activity. I had numerous calls with Bank of America about this issue, and they repeatedly told me that there was nothing they could do about this. They told me to contact my email provider ( XXXX ) about this. XXXX told me that there was nothing on their end that would prevent me from receiving Bank of America emails. Because I couldn't get Bank of America to resolve this issue, I opened a complaint with the Better Business Bureau. I was contacted by XXXX XXXX from the Wealth Management Client Care Executive Escalations Team. This complaint is in reference to a letter dated XX/XX/XXXX that I received from XXXX XXXX that made false statements about what transpired in my communications with Bank of America about this issue. He stated that I " refused to process any troubleshooting requests '' and I " refused to allow a new e-alert to be established to test if adding the email address correct the issue. '' Both of these statements are completely false, and it is unacceptable for a Bank of America employee to make false and disparaging statements like this about one of their customers. On XX/XX/XXXX I contacted Bank of America and submitted a complaint about this employee and I was told I would receive a call back from Bank of America within 48 hours. It has been 2 weeks and I haven't heard back from anyone at Bank of America about this complaint. I called Bank of America back on XX/XX/XXXX, and spoke with a supervisor named XXXX and she didn't have any explanation as to why no one has contacted me. I told her that I will close my Bank of America credit card if I don't receive a call from them by XX/XX/XXXX. Its unacceptable to be treated like this by one of their employees and for Bank of America to not even contact me regarding the complaint I made about this employee.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter
Consumer complaint received 2023-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

There was a collection on my credit report for {$660.00} from radius global solutions. It was not mine, it was for my XXXX XXXX XXXX daughter from XXXX for an XXXX visit. We contacted XXXX and they admitted their mistake because they thought my daughter was a minor. They took me off as the responsible party and they contacted Radius Global Solutions twice. I thought this would be an easy process because the bill really isnt mine. But, when I contacted the collection agency and spoke with XXXX XXXX she said that XXXX did contact them on XX/XX/2023 and removed the collection account from their office but they would not remove it from my credit because it has not been settled! WHAT?! I told her that is illegal and shady to try to collect from someone who doesnt owe the bill. They said they record their conversations so her saying that should be on record. I have also attached the bill showing that the bill is not even in my name.
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. (RI)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To : CEO/CFO/ LEGAL DEPARTMENT OF CAPITAL ONE N.A XXXX I XXXX XXXX XXXX come to you in Good faith and Honor to exercise my rights that the Law allowed me on a consumer credit transaction and rebuttal a Letter that I had received from you guys dated XX/XX/2023, With account ending # XXXX that my account been closed and copy has been download on this complain. On that letter you said reason of my account been closing without my consent, ( violation ) are because activity on this or another account are not consistent with our expectations for account usage and violates the capital One Customer Agreement. Really? What expectation? What another account? And that I still responsible for paying full amount. Really? Well like in any dispute or complain, any claim " hear said '' without any evidence contract is Void, Right? Any violation or activity that you claim under the Law or Agreement as a " CONSUMER '' allowed me to Exercise on a " CONSUMER CREDIT TRANSACTION with account ending on # XXXX if you can't prove it with the Law, " not hear said '' is null, and any balance under 15 u.s.c. section 1666d on excess of {$1.00} on account is send back to obligator after six months of account opens, by creditor in Good Faith. Now unless you can prove with the Law that I'm wrong and you right on " Subject Matter '' everything on that Letter is False and Misleading and is a Violation 15 u.s.c. section 1611 : criminal Liability for willfully and knowingly. And under 15 u.s.c. section 1681a ( k ) ( 1 ) or 15 u.s.c. section 1691 ( d ) ( 6 ) " ECOA '' " FCRA '' " TILA '' NO ONE CAN BE DENIED OF CREDIT OR REVOCATION, A REFUSED TO GRANT CREDIT TO TERMS AMOUNT REQUESTED AND A NEGATIVE CHANGE IN ACCOUNT TERMS IN CONNECTION WITH UNFAVORABLE REVIEW. At this time we request for Capital One N.A. to send us a " ORIGINAL AGREEMENT '' on the " SECURITY INTEREST '' where you claim I own you the debt. At the same time request to fixed all past, late or delinquency payment on credit report, because under 15 u.s.c. section 1681a ( 2 ) Exclusion : consumer report does not include ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. Meaning everytime Capital One N.A. Make a report as late payment or delinquency is false and misleading on someone credit report and is a violation of {$1000.00} for each violation Under 15 U.S.C. Section 1681n. Meaning as right now Capital One N.A. Has report to my credit report late payment 3 times on all 3 different credit report agency 's meaning you own me {$9000.00} because is everytime you reported. Send to my address on file with account. So if illegal to report " LATE, DEFAULT, DELINQUENCY on a Credit Report, what Im paying for if nothing is late or delinquency?
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

In XXXX of 2023, I was informed that XXXX had closed my account due to the inability to verify my identity through their verification process. I requested that my account be recovered. However, I was informed that they would not be reopening my account and that I would not be responsible for any remaining balances. After this communication, I continued to receive emails stating that I needed to make a payment to my account or they would report me as delinquent to my credit bureau. Due to being told that my account was closed and held no responsibility, I called XXXX again. I was again reassured that they closed my account and that I would not be responsible. I was informed that there would be an expedited ticket, and I would hear from a representative soon. I later received an email that I had a message inside the secure messaging portal of my account. Due to the account being closed, I can not log in to view this message. So, I called the company again. I reported the same problem and requested to be contacted directly and not through the portal due to the fact that I could not access it. I was told that a note would be made, and someone would contact me via email. Again, I received an email stating there was a message in the portal. Around the same time, I was informed via Experian that my account had been reported as delinquent due to a late payment. I called XXXX again. They stated that they were sorry about the credit report and that another ticket would be opened and expedited. However, the issue was not resolved. I tried disputing the issue with my credit bureau, Experian, and provided the emails I received stating that the account was closed and that I would not be held responsible. However, after two disputes, I was told that XXXX stated that the information was true and a change would not be made to my credit report. I don't understand how the company can continue to claim that this information is true despite several communications stating otherwise. Today, XX/XX/2023, I called XXXX again and spoke with a manager, XXXX. He again stated that he was sorry for the inconvenience and would be opening another ticket making note to contact me directly and not through the portal. At the end of the call, he again confirmed that their development team sent me an email stating that the account was closed and I held no responsibility. I have a recording of this call and have attached it to this complaint. I don't understand why months have continued to go by, and they have continued to be allowed to report to my credit despite multiple communications stating that my account is closed and not delinquent.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.