davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a charged off debt with Capital One and never received any information that the debt was transferred to a collection agency. I received a letter from my local court that I was being sued for the debt. I could not validate the debt with the collection agency as I was not aware of the collection agency. I received notification about the lawsuit in XX/XX/XXXX and the court date has been postponed to XX/XX/XXXX and now XX/XX/XXXX. The debt was charged off in XX/XX/XXXX for {$1800.00}. If the debt was charged off, does that mean it was sold to another creditor? I disputed the inaccuracy in the reporting of the debt and was told that the information is correct. There are three different dates for last activity. I submitted three dispute letters and they will not remove the inaccurate reporting which they are required to do by law. i want the account removed from my credit report and the lawsuit dismissed.
Consumer complaint received 2023-05-22
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. (OH)

I have sent Experian... Certified mail with my complaints .... I even filed several complaints with the CFPB ... with the same issues and they did nothing. Under 15 USC 1681 i have the right to privacy, and I did not give Experian, XXXX, or, XXXX written permission to report any of these items. under 15 USC 1681 602 ( 4 ) 604 ( A ) 623..This federal law spells out the duties of a data Furnisher..Under these standing laws ... these bureaus are acting Misleading, and fraudulent by continuing to report fraudulent and misleading items on my bureaus ... All the following items must be removed, because of the fraudulent acts ... and there inaccuracies. they are the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .Experian is still reporting my 2015 bankruptcy... they are using a 3rd party data provider XXXX XXXX, or organizations like that to obtain information..illegal ! The courts do not provide any information. XXXX XXXX XXXX is still reporting on these bureaus..I had XXXX XXXX, so the debt was paid and should report accordingly! Last, these hard inquiries should be removed because these fraudlulent.. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all names and addresses, jobs that doesn't match my current information must be removed
Consumer complaint received 2023-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I filed original complaint on XX/XX/23 complaint ID XXXX You have this as being closed. Yet I did not receive a statement from the bank explaining why I can't get my monies back. Can you look into this? What did you get back to close this complaint?
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I Have Disputed Bank Of America To send me a payment History. I have also contacted XXXX  Asking then to show payment history when the payments where made and Dates. I have had 2 other mortgage company 's and credit cards that post my payment history. I contacted XXXX they told me that the history is correct and showing on there end.

but it is not showing on my report that they sent me or online. I have ask them to remove this account and XXXX say it is accurate.

Thanks XXXX XXXX
Consumer complaint received 2023-11-06
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. (TX)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (WA)

On XX/XX/XXXX, ProCollect marked a bill for {$1500.00} as delinquent on my credit history via XXXX and XXXX. However, a quick glance let me know that they have clearly the wrong person. The name on the profile did not match up with my name, and a quick XXXX search found the right person that they should have been going after. 

The original creditor was an apartment complex in XXXX, NY, for rent in XXXX. I have never resided in the state of New York. A quick XXXX search found a XXXX student with the exact name matching the record on XXXX- who is not me. This is a clear case of mistaken identity, and ProCollect has not taken the steps to remove this charge from my credit report, despite clear evidence that this person is not me ( Driver 's License, Voter 's Registration, etc. all show that I am a different person )
Consumer complaint received 2023-11-06
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. (TX)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (MD)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/2022, to Transunion to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous XXXX XXXX & I am including it again XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc. (TX)

On XX/XX/XXXX I initiated an account liquidation for the XXXX time, after my previous attempts did not go through. 
After speaking to an agent on the phone I was told what I needed to do to request account liquidation. 
I specifically asked if there was any selling I needed to do beforehand to request this, and was informed that no I did not need to sell anything ( I had already sold my stocks weeks before to my understanding ). And that I could just request a transfer and he tells me the amount to put to make sure I get the full balance. 
I wait XXXX business days to have the transfer approved. And nothing happens. 
So I call and I am told " oh we need a bank statement to confirm that account and then approve the transfer '', although I was not contacted or informed prior to me calling that this was needed or requested. 
I spoke to XXXX who reassures me that she will do make sure this is handled right. She sends me a link to upload the document and I send it back within XXXX mins, I email to let her I know its uploaded. 
She repsonsds that she will get it sent to the approvals team to get it approved and that I will hear back within 2 days. 
2 days go by and I have not heard anything so I email ( XX/XX/XXXX ) and ask why havent I been informed on the status of my transfer. And I am told the transfer is approved and should be deposited within 3 days, I wait the 3 days, still no deposist. So I call my bank and they tell me that they do not see any pending deposists nor do they hold deposits. I call XXXX and ask to speak to speak to a a XXXX, I get XXXX who has no idea why the transfer had not been sent to me, but then tells me that there are holdins I need to put into my pie before I can transfer my money- which no one has told me way before needed to be done. I have no clue how to do this so he walks me through how to do it but my account although it confirms I moved over the assets into my XXXX it wont actually reflect that it has been done. We do it twice together on the phone, he informs me that he isnt sure why I cant do this action and that he will have to escalate the situation. And here it is XX/XX/XXXX and I still have not received any help to getting this resolved. 
This company is hard to get real help with and they do not promptly address issues espcially when it comes to my ability to get things done on my end when my acount wont let me make the changes needed, they have inhibited my abilty to use my account and I do not want my money sitting in tis account anymore. i want liquidate and close the account
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TN)

A few years ago someone used my identity and opened a college/student account. I have been out of college for almost twenty years now. So, whenever I apply for a card with Discover I am getting denied.

See below.

XXXX Dear XXXX XXXX XXXX XXXX, Thanks for your interest in Discover. Unfortunately, at this time we are not able to approve your application for a Discover it Chrome Secured credit card due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Although we are not able to approve your application, you can find helpful financial tips, easily keep track of your FICO Credit Score for free, and learn more about what affects your credit at Discover.com/Credit-Scorecard.

Sincerely, Discover Credit Operations Team XXXX This is unfair given that I have never had Discover card before. I think that I am being treated unfair and the new account should be approved.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX ; XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Loan Service Corporation (CA)

XXXX XXXX has never remedied the discrepancies ( 1 ) in the amount on the closing disclosures and the actual amount issued to me ( 2 ) or the bait and switch and overcharges of the appraisal fees. This was initially disputed to XXXX XXXX, XXXX XXXX and XXXX XXXX in emails dating back to XXXX, XXXX. They chose to ignore it. 

The indenture trustee, guardian and trustee have all ignored my correspondence. The Servicer has refused negotiable instruments/matured bonds and failed to provide the information I requested in order to support their acceptance XXXX. 

XXXX XXXX ( " Servicer '' ) failed to put the account in billing error status despite notification of such, XXXX. 

Servicer continues to ring my phone in violation of longstanding instructions to only be contacted in writing XXXX. 

Servicer continues to report negative information to the credit reporting agencies on me regarding the properties, instead of reporting on the new owner.
Consumer complaint received 2023-08-08
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX. Please remove it from my credit report. 
US DEPT ED Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I see a charge appear on my credit card without me using it to make a purchase. I notice a charge of XXXX XXXX from XXXX appearing on my credit card before the transaction was completed, I also see a warning saying that I don't have sufficient payment history and an immediate payment of {$2800.00} is demanded.I already reported similar incident that happened with XXXX charge appearing on my statement without a purchase made CFPB case XXXX.
Consumer complaint received 2024-04-26
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: Early Warning Services, LLC (AZ)

Filed dispute for 2 accounts on XX/XX/XXXX that where deemed " verified '' however upon checking my XXXX report on XX/XX/XXXX I saw that the require notice of dispute was not present, and therefore are in violation of FCRA 623 ( a ) ( 3 ) and can not report this information. I notified Early Warning Services of this violation by usps certified mail 3 times ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX see attached usps cert mail confirmation of receipt ) without any response back from Early Warning Services.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is one of my numerous letter that I claim I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

The following account need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation and they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.
Consumer complaint received 2023-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The Experian ans XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. The XXXX ans Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}