davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (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, 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 2022-10-23
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (SC)

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 an account without my written instructions. 15 USC 1666B : A creditor may not treat XXXX payment on a credit card account under an open end consumer credit plan as late fur purpose.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (AL)

hi cfpb, i got a new device and Im trying to login to chase.com but it wont let me. 

please see the screenshots below. 

when you click on have a question, and look under how do i get a one-time code? 

it SAYS it gives you the option to email you a code, but THERE IS NO OPTION in the tell us how cfpb, there is no way you are hearing this for the first time. meaning that you let chase do whatever they want to do. 

cfpb, i know you think consumers are stupid. you are a partner with chase. you let chase do whatever they want. this is affecting more consumers besides me. 

you dont think chase knows their login works? really? 

chase is a predatory financial corporation. they dont even allow their OWN customers login! 

cfbp needs to stop this predatory financial corporation from taking advantage of consumers. but cfpb is partners with predatory financial corporations so this wont happen ; ) I am requesting {$1000.00} for this predatory behavior and they must meet allow the email option for the code within 3business days.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

I went to XXXX with my children and sister the XXXX of 2021. I had prepaid my trip, thru my timeshare the year before, but when I got to XXXX, they claimed they didn't have the reservation. After XXXX if going back and forth and the timeshare sending them the information ( the hotel XXXX XXXX ), which they claimed they didn't receive, I was charged again for the room. The room wasnt what it was supposed to be and most amenities were not available as promised. I learned it was fraud and my bank Navy Federal, has fraud protection. I had even called while still in XXXX. I gave them all the documents when I returned and because of how the hotel wrote the receipt, they refused to help me. This is not okay
Consumer complaint received 2023-05-30
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 am interested in processing disputes on my credit report to delete an remove the following inaccurate information on my credit report with Equifax. this issue has grown larger an caused many effects on my file. please review an remove all listed data. my credit report is damaged due to invalid data please remove asap.
Consumer complaint received 2023-08-13
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. (UT)

I HAVE CONTACTED XXXX AND EXPERIAN AS WELL AS XXXX TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

These accounts represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are as follows : CAPITAL ONE XXXX CAPITAL ONE XXXX
Consumer complaint received 2022-11-25
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 submitting this without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A. (MN)

I received a notice from Citicard stating that my  Mother m  ay  be entitled to a refund for an optional debt protection program which she  may  have unwittingly been enrolled and charged for. I went to their website to enter her information to indicate she was deceased and could not get any further information. I have questions on where I would find these charges, if her estate will be given a refund and how much. When I called I was just told they had not information for me at this time, blah blah blah. I feel that my   XXXX    Mother  may h ave been scammed by a large unethical corporation and I want them to be held accountable.
Consumer complaint received 2017-05-04
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: CITIBANK, N.A. (TN)

I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX   XXXX
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, I transferred money from my Capital One XXXX account to XXXX Fed XXXX account in the amount of {$10.00}. The transaction was conducted online. On XX/XX/2022, I noticed that the deposited money have been taken back by Capital One Bank and returned to my Checking account. This resulted in XXXX XXXX XXXX to charge me a fee in the amount of {$22.00} for the returned deposit. I also, noticed that Capital One Bank has frozen my account without any reason or explanation. 

On XX/XX/2022, I contacted Capital One Bank and spoke to a representative on the phone. He stated that he will transfer me to someone to help me and then he hung up and call was disconnected. I called again and they put on hold for a long period of time. Finally, I spoke to a representative to resolve the problem. She asked me for the full number of my Social Security and I declined to provide the number of my SSN over the phone. She refused to help me without providing her with my SSN. She suggested that I go to the Capital One XXXX to resolve the issue. Capital One Bank representatives are unwilling to provide the reason about why my account was frozen and/or restricted. They also didnt explain the reason why they returned the money I transferred to my other bank.
Consumer complaint received 2023-08-13
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. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-13
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)

This company charged off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.
Consumer complaint received 2023-06-20
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX
Consumer complaint received 2018-04-24
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: Experian Information Solutions Inc. (GA)

ive asked Experian to delete incorrectly reporting information as well as out-dated information which they have not removed, due to their negleigance Ive been denied housing as well as employment opportunities.They 've claimed to have verirfied such accounts by certified account, which I did not receive the proof to cross examine myself there are out-dated school accounts reporting incorrectly as well. Experian continue to ignore my request to correct the information they're reporting.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

After having fraudulent information removed from my Lexsis Nexis report every time I attempt to get my report the company keep refusing to give me the report claiming they can not verify my identity when I send them my social security card and ID.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm in the process of buying a home and upon checking my credit report, there are damages on my credit. According to 15 U.S.C. 1681 law there should not be any damages on my report. This is a defamation to my character. I have tried multiple time reaching out the credit bureaus and the damages were not fixed. I also reached out to the creditors and NEVER received a response and I NEVER gave written consent to report anything on my consumer report which violates my rights!!!!!!
Consumer complaint received 2017-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (CA)

Collections Accou nts Skim disc over after conducting an investigation in conclusion this account is a result of identity theft 1. This account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same debt Syndicated office systems and Central Financial Control claiming total control of the accoun t 2. An other thing to note as is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.      3. Whe n I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by  XXXX  4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person  HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA fo rm when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation Because of what was explain above I demand for this to be delete immediately from my credit file from all  XXXX  credit reporting agencies and provide to me in writing that this request was complete Also if there is any documentation that they have that could help to the investigation have documents send to me by mail to the mailing address they have on records of me so that I can present them to the investigation team It is clear that this alleged account and the services provided my personal identification was used as a result of identity theft
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 purpose. 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 XXXX XXXX XXXX XXXX XXXX