davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I HAD AN OVERDRAFT IN MY ACCOUNT. I HAVE PAID THE OVERDRAFT WHICH HAS ALSO LEFT {$2300.00} IN THE ACCOUNT. CAPITAL ONE BANK IS REFUSING TO ALLOW ME ACCESS TO MY ACCOUNT AND/OR FUNDS.THEY HAVE RESTRICTED THE ACCOUNTS ALLOWING NO WITHDRAWS OR PAYMENTS AND REFUSE TO LIFT THE RESTRICTION. I HAVE SUBMITTED ALL DOCUMENTS REQUESTED IN ORDER TO VERIFY MY IDENTITY. I HAVE SPOKEN WITH SEVERAL REPRESENTATIVES, SENT SEVERAL EMAILS AND LEFT MESSAGES AS WELL. I NEED ACCESS TO MY MONEY IMMEDIATELY. I WORK FROM HOME SO I NEED TO BE SURE THAT I CAN PAY MY RENT, INTERNET AND PHONE BUT CAPITAL ONE IS REFUSING ME ACCESS TO MY MONEY WHICH MEANS I WILL FACE EVICTION AND TERMINATION FROM MY JOB. I ALSO HAVE NO WAY TO FEED MY XXXX CHILDREN AND NO ONE WILL HELP ME.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

EQUIFAX IS REPORTING ACCOUNT -- XXXXXXXX XXXX  ON MY CREDIT REPORT AND THIS ACCOUNT AND BALANCE DO NOT BELONG TO MEI HAVE SENT THE DELETION LETTER MULTIPLES TIME TO EQUIFAX AS WELL AS XXXX XXXX TO THEM DIRECTLY AND THEY HAVE STILL NOT REMOVED THIS ACCOUNT FROM MY CREDIT FILE
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Subject : Notice Of Dispute - XXXX - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX - XXXX. 
Proof of each late payment date I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2020-12-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1300.00}, {$0.00}, {$1800.00}, {$1300.00}, {$0.00}, {$2700.00}, {$0.00}, {$22000.00}, {$19000.00}, {$0.00}, {$19000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 











2. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

11. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNT 13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.
Consumer complaint received 2023-07-19
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. (VA)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
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)

I am writing to dispute the following information that appears on my Equifax report from XXXX XXXX XXXX XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account
Consumer complaint received 2023-08-06
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. (PA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2023-01-04
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: OneMain Finance Corporation (GA)

XX/XX/XXXX XXXX XXXX  failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (LA)

We tried to go into the branch on XX/XX/2023 to close our accounts at Regions bank. The day after we tried to close all accounts, fraudulent XXXX charges appeared on my account that were not done by myself or anyone in my household. I called originally and reported the issue and was informed that the charges had to " post '' before we could dispute them. I waited until Monday XX/XX/2023 to call back once the charges were posted to my account. Then she said she was opening an investigation into the charges after we double checked that my last XXXX purchase in my history was for {$2.00} on XX/XX/2023. I received a letter in the mail that Regions found the charges to be not fraudulent even though they were not done by me. Now the overdraft fees for the charges are {$100.00} for charges that aren't mine and the account will not close. 

We have never had this happen before and it just seems a little suspicious that it happened right as we tried to move banks.
Consumer complaint received 2023-12-07
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (PA)

I received a hard inquiry on my credit and a letter in the mail stating that I was denied a card for Sephora due to possible fraud. This letter came to my mailing address. I knew nothing of this application and immediately contacted the number provided in the denial letter in attempt to try to track the person who did this and file a police report so it cant be done again. I have been a victim of this in the at the hands of my sons father and nothing was done to rectify this error. I was forced to pay for what he had done placing a gas bill and credit card in my name or I would not be able to use the companys services going forward.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number XXXXXXXX XXXX XXXXXXXX Case number XXXX Date XX/XX/2023 To Whom It May Concern I have Disputed with you and response you verified the item as accurate stating that you have verified the information with the courts, and their response is enclosed. It is clear they do not report to you or any credit Bureaus for that matter, therefore your initial response verifying the item with the courts was either an error or a lie either way the reporting requirements do not comply with the F.C.R.A 611 ( 15 U.S.C. 1681I ) and the information must be deleted Immediately.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent. dispute letters to XXXX, Equifax and XXXX to validilate these accounts that thru verifiable proof however, These Companies have neglected to provide the original agreement with my signature as well as they are not following their own policies and responding back within 30 days
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (CA)

They clain this is a debt that I owe from XXXX that was charged off in 2009 that would be 14 years ago which I know is past the statute of limitations I responded with an email that it is past and that I would not have any records that far back anyway so leave me alone but they keep sending emails.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Company has inaccurate addresses on my credit report. Has tried to have them removed on numerous occasions. Company still has them listed even with me sending them proof of correct address. I have attached the wrong addresses as well as proof of my current and only address that should be on report. Would like all old addresses removed
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Company has inaccurate addresses on my credit report. Has tried to have them removed on numerous occasions. Company still has them listed even with me sending them proof of correct address. I have attached the wrong addresses as well as proof of my current and only address that should be on report. Would like all old addresses removed
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XX/XX/XXXX along with 8 hard inquires which icludes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these are fraudulent accounts I am a college student and was not concerned about my credit now that I am it seems someone has been using my information for several years and I would like it to stop
Consumer complaint received 2023-06-03
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: M&T BANK CORPORATION (NY)

On XX/XX/XXXX around XXXX XXXX XXXX  a debt collector ( who did not identify himself ) came to my daughter house. This debt collector has never been to my home to attempt to collect this debt and clearly stated that he new this was a family members house and not my home. He aggressively and repeatedly asked my daughter to call us on the phone and stated she could hear everything! This man harrased my child and part of this is on her XXXX XXXX! I called m and t bank  with no resolve and the manager act as if this was not intentional and Inappropriate actions! I made the manager XXXX XXXX of M and T  bank fully aware I felt harassed and this guy was not a XXXX XXXX driver he was in a regular XXXX! And approaching my daughter home she was very scared and uncomfortable with the entire process! No resolve on there part!
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I called XXXX about 3 years ago to find out if I qualified for student loan forgiveness since I am a XXXX by profession. I have made 108 payments since I was hired in XX/XX/2009. They are telling me today they I need to reconsolidate my loan and begin the 120 payment process all over. I have never missed a payment and my loan was sold to Navient by XXXX. I am very upset about this and would like instructions on how to move forward. Do I reconsolidate? Do I get an attorney? Where do I go from here?
Consumer complaint received 2023-07-19
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. (TN)

A company is required to report accurate information on a consumer report. XXXX XXXX XXXX is using Coercion to try an make me pay for a debt not owed. They have reported false information on my consumer report without my consent or permission. I here by OPT-OUT of any assumed or presumed consent to share my nonpublic private information with 3rd party non affiliates. Any further reporting on my consumer repost will be a violation of Regulation P of the Code of Federal Regulation.

The original Creditor deals in securities and has failed to credit my account for the dividends made off the securities they hold in my name. This debt has been discharged in accords with the Securities Exchange Act and the Uniform Commercial Code. 

XXXX has 15 days to remove this inaccurate information from my consumer report or Form 211 will be filed to have the account audited and a form complaint will be made with the Securities Exchange Commission. My private information is copyrighted and you are infringing by using my information in Commerce in and attempt to profit off it's use. I will be filling a Federal Copry Right Law suit against your company also.
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (IL)

I wanted to get a loan for the holidays that was coming up. I'm XXXX years old and retired receiving social security and no pension. I do XXXX  but it was slow last season so I needed some holiday cash. I went online for a loan and looked at XXXX XXXX  but on a {$1000.00} loan the interest was {$500.00} dollars which is 50 % for a total of {$1500.00}. So I tried a company called Amplify. Since XXXX they have changed their name to Lendumo. While online I received a call from them for personal and bank information. The agent from the company told me to go online to read the terms of agreement. I already had the sight up but received a email telling me I was approved. After receiving the first email I received another telling me that The payments were {$340.00} a month on the date that I receive my social security monthly payment until the loan was paid. I was so glad that I was approved that I didn't notice that no interest rate was mentioned during the phone conversation. After receiving the money in my bank account the next day I went to the website for Amplify and the rate was 400 %. I called and talk to an agent and they just said that the terms was agreded upon. I told the agent didn't tell me the rate she said I should have ask I said he should have told me. I said okay I'll close my bank account when I pay the principle and reasonable interest. To date I have made payments. {$1700.00} I read on internet that I shouldn't close my bank account but give you guys a call.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I checked my credit report and notice some hard and crimes that I didn't authorize they ended up being fraud I called the credit bureau Equifax to get them removed immediately nothing was done adding authorized these and it was obviously made fraudulently from creditor from XXXX XXXX XXXX on the date of XX/XX/2024 2024