davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (TX)

I sent a request for validation to XXXX XXXX  ACCT # XXXX for the they claim I owe them, they received my initial letter on XX/XX/2023. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of the Fair Credit Reporting Act is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to the bankruptcy and charged off accounts that appear on my credit report. These accounts have caused me a great deal of distress, as they are preventing me from obtaining credit and moving on with my life. 

In XXXX, I filed for XXXX XXXX  bankruptcy ( XXXX XXXX XXXX bankruptcy account ) as I was unable to keep up with my debts. Since then, I have been working hard to rebuild my credit, and I have been making steady progress. 

However, I have noticed that several accounts that were XXXX in the bankruptcy are still being reported as charged off ( DEPT OF EDXXXX XXXX charge off account, XXXX XXXX charge off account, XXXX OF XXXX XXXX charge off account, XXXX XXXX XXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX XXXXXXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX XXXX charge off account, XXXX XXXXXXXX XXXX XXXX charge off account, XXXX XXXX XXXX XXXX charge off account ). These accounts should have been included in the bankruptcy and should no longer be listed as charged off. 

I understand that it can take some time for credit reports to be updated, but it has been several years since the bankruptcy was XXXX, and these accounts are still causing me a great deal of trouble. I would appreciate it if you could investigate this matter and remove these charged off accounts from my credit report. 

I have been making every effort to rebuild my credit and improve my financial situation, but these accounts are hindering my progress. I hope that you will take my situation seriously and take the necessary steps to correct this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 

My credit and daily life has been underminded by Identity Theft, authorize credit utilization, credit report showing wrong information, money laundering, false advertising fraudulent activity
Consumer complaint received 2023-02-22
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. (GA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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  : Account # XXXXXXXX XXXX : account # XXXX, XXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  : account # XXXX, XXXX : account # XXXX, Dept of Ed/XXXX  : account # XXXX, XXXX : accounts # XXXX & XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2017-05-15
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)

XXXX  Disputed {$1000.00} collection on my  XXXX  and Experian reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX   XXXX  sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the  XXXX  removal to Experian  XXXX  Checked my credit reports and both   XXXX    and Experian had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX   XXXX  reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidenc e to   XXXX  and Experian to dispute again
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I noticed inaccurate and incomplete items on my credit report that caused me to be depressed and unable to have a great reputation with the banking system. I need all unauthorized accounts removed and all incorrect late payments ( im never late ) updated immediately. The unauthorized accounts on my credit report are not related to any transaction that I made. I am alleging that a person or company used my personal identifying information to apply for goods/services/money without my authorization. I did not engage in any legal contract with any of these parties listed. Also, I have tried getting this matter resolved over 30 days ago and I still haven't heard anything from the credit reporting agencies. I know that they must investigate but they didn't!
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.
Consumer complaint received 2024-02-03
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. (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have Equifax, the consumer reporting agency delete this from my report immediately and indefinitely. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

On XX/XX/XXXX I first notified the credit bureaus equifax, XXXX  and XXXX  of fraudulent accounts I noticed reporting on my profile. I have sent XXXX certified letters asking the credit bureau 's to remove unauthorized accounts from my credit report. They responded with the accounts had been verified but refuse to tell me how they verified the accounts. They refuse to send any contact information of who they spoke with to verify these accounts. I have an active police report, identity theft report with the IRS and froze my credit profile. I sent the final certified letter on XX/XX/XXXX.
Consumer complaint received 2024-06-18
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 (VA)

I have good relationship with XXXX which always alerted me of every activity. XXXX, I noticed a fake and/or perpetrated credit inquiry made by Capital One which is broad daylight fake stuff. I tried to fax the copy to the CFPB. Fax was so busy every time. My fear is the already premeditated criminal influence of the same perpetrator [ kind of unauthorized mediator and/or defence attorney ] who would have no trouble getting me taken down by the country., the people and their constitution by unidentified mechanism. Profiling? Check the attached documnent.
Consumer complaint received 2024-02-03
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. (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have Equifax, the consumer reporting agency delete this from my report immediately and indefinitely. XXXX XXXX XXXX.irs.gov/publications/p4681
Consumer complaint received 2023-08-04
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. ()

I have paid the loan and closed the account from many months it still remained open in XXXX as i have raised the dispute it's still showing pending Since 2 months as i have reached the Lender that is my loan provider they are telling that XXXX denying the mails sent to them as their request all are cancelled because their lisence got cancelled, please do the needful and i am applying for education loan it is effecting my loan please do the needful as soon as possible sir. 
XXXX credit report loan updated as Dispute XXXX
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (PA)

Chase bank sent me  an Amazon Rewards Visa cre dit card for which I did not apply. I called them immediately and they said they are 'investigating ', but there have since been no further updates. The opening of this account entailed a hit to my  XXXX  credit report.     There is a thread on Amazon discussion forum indicating this is an issue that many others have been having as well. It 's unclear if the issue originates with  Chase, Amazon, e ither, or both.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-03-16
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2500.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ;
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (FL)

Hello, I have a Avant credit card. From what I have read, they have been a problem in the past with the FTC. Today is XX/XX/2024. 

I received my bill statement that is due every XXXX of every month. I called customer service and asked if they could change my due date. Reason being, I am on Social Security, and do not receive my pymt until the XXXX week of each month. Therefore, as soon as my pymt is received, I pay Avant credit card, immediately! 

Somehow, it seems to take nearly 10 days to pay from my bill pay on-line with my bank. The bank has told me this is how Avant has this set up, therefore if my payment gets to them late, I am once again charged a late fee, yet the payment is being sent from my side 5-8 days sooner to them. But they keep attaching a late fee. I owe XXXX. I have never dealt with any other credit card company that will not work with me changing the due date. This will now effect my credit score, and that is not fair to me. Please let me know what options I have to help me deal with this crooked company. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-06-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (CA)

Dear cfpb /cash app I am writing to express my extreme dissatisfaction with the recent handling of my account. I am currently unable to access my {$50.00} in the XXXX section of my account. I have attempted to withdraw this money and close my account, but I am being blocked. 

I have already verified my identity, yet I am still being asked to do so. I do not wish to verify my identity further and I do not want to close my account without receiving my {$50.00}. This is my money and I am entitled to access it. 

I demand that you immediately release my funds and allow me to close my account without any further verification. I have not engaged in any fraudulent activities or violated any terms of service. 

If this issue is not resolved promptly, I will be forced to pursue further action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Financial Resources, Inc. (MA)

I was in an auto accident on XXXX/XXXX/XXXX - taken by ambulance to XXXX ER. <P/>I was not at fault. XXXX XXXX pending. <P/>XXXX XXXX service took me to the hospital at the time of the accident. At the hospital, insurance information was provided to hospital as well as the ambulance service. <P/>I have an Attorney handling my claim. Attorney XXXX XXXX - XXXX His office provided the auto insurance information and also stated that the case is still active and pending demand. <P/>National Ambulance service XXXX - prematurely sold my account to XXXX XXXX XXXX - XXXX without submitting to health insurance or auto claim. XXXX XXXX XXXX put this auto claim invoice into collection, ruining my credit score. I am in the process of buying a home and this issue is ruining my chances of purchasing my first home.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX sent a letter dated XX/XX/2024 that states loan sequence 11-15 are satisfied and that I have no obligation or required to make any more payments. The loans are still appearing on my account and I wish to have them removed because I am about to retire and do not need any obstacles.
Consumer complaint received 2021-01-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

Navient will not stop calling me at work. They called four times on XXXX, XX/XX/XXXX, three times on XXXX, XX/XX/XXXX, two times on XXXX  XX/XX/XXXX, and two times already this morning, XXXX, XX/XX/XXXX. 

They also continue to call my mother 's home, where I do not live. I already filed a complaint about this with the CFPB back in XXXX. The complaint ID is XXXX. Evidently, this issue has not been resolved, and Navient gave false information that it removed my mother 's phone number from their database. 

Navient also emails me multiple times per day, requesting that I contact them. 

Navient has been completely uncooperative, and in almost every case, belligerent, regarding my account. I have eight other complaints with the CFPB about their behavior dating back several years. These complaints have not had any impact on their behavior, their demeanor, or their unethical business practices. 

The US government has temporarily halted payments on Federal Student Loans until XX/XX/XXXX, as part of the COVID-19 relief effort. This does not apply to private student loans. Navient has not participated in any such relief effort with its private loans, and instead has become more belligerent with its communication, as they continue to disturb me at work. 

I am unable to resolve my issues with Navient because of this, and I refuse to spend a single moment of my time at work corresponding with their representatives due to the aforementioned issues. 

Moreover, when I am not at work, I am still looking for other sources of income or otherwise managing other responsibilities. I absolutely will not speak with representatives at Navient, who behave like bullies and refuse to provide options for relief. 

I responded on XXXX, XX/XX/XXXX, to one company representative, XXXX XXXX XXXX XXXX, with the terms under which I would be willing to speak with Navient. In that communcation, I stated that by continuing to contact me, Navient will enter the agreement contained in this email. Navient did not respond by email, but has continued to contact me by phone. I consider this an agreement to the terms, and as such, Navient assumes responsibility of the terms given.
Consumer complaint received 2023-07-19
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. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.