davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
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. (IL)

ISSUE : Business Credit Card Accounts, showing on my personal credit report ( never before ) as Late Payment and damaging my good 20+ years of personal credit, taking me down and troubling even Business from applying new credits /SBA Loans to jump start the operations during this COVID PANDEMIC time. 

Here are the details -- -- XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Credit on Business Name : XXXX XXXX XXXX XXXX Business Credits opened : XXXX Accounts Closed : XX/XX/XXXX due to financial troubles with Business and high interest rates on credit and so closed to pay off the balance with a monthly flat pay as agreed Payment : Paying as agreed by business. 
COVID PANDEMIC : Business was in hot water during this pandemic, missed couple of payments under $ XXXX in XXXX & XX/XX/XXXX. No help received from XXXX for XXXX for any deferment and Officer ( I ) moved to another state ( XX/XX/XXXX ) for income generation and to support bills / payments and other financial support for XXXX treatments ( in-laws ). During this relocation and settle down time, missed communication/ correspondence from Bank on Business Accounts & Due Payments and Bank never communicated any paper bill.

Consumer Credit Reporting : Never saw before the business credit accounts on my personal credit reports during the time XXXX for my business accounts. In XX/XX/XXXX only, those business accounts got attached to / popped up on my credit reports as Late Payments and negative accounts. 
Payment : No dues to pay and done till XX/XX/XXXX Correspondence : Disputed with Credit Reporting Agencies ( EXPERIAN & XXXX ) as these are Business Credit Accounts and Business is impacted by COVID PANDEMIC ..Sent mail to XXXX XXXX, Spoken to Card Services Members & Credit Dept -- -- requesting to consider, remove late payment and from consumer/ my personal credit reports, but unfortunately the associates PAID DEAF EAR, NO HELP, RE-ROUTING CALLS HERE AND THERE, which appeared to me biased, in equal, and simply ignore ... due to my slang (? ) sorry to say but that appears as if! 

PAYMENT history is good for 20+ years ( my personal ) with no late payments/ no bankruptcy / no convictions and good for 12+ years ( my business ) except 2 late payments in XXXX  XXXX ( 60 days ) This business accounts attached to my personal credit reporting and chase & credit reporting agencies took me down by 80points from very good status. 
- EVEN CREDIT REPORTING AGENCIES ( Experian & XXXX ) ARE RELUCTANT TO CONSIDER / CORRECT AND UPDATE, EVEN SHOWING THE BUSINESS /COMMERICAL ADDRESS AS SINGLE FAMILY RESIDENTIAL TYPE
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (OK)

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Debit card was used on XX/XX/2023 around XXXX XXXX ( PT? unsure of time zone ) to make a {$25.00} purchase at XXXX and a {$95.00} purchase at XXXX. I received a push notification of the XXXX purchase and immediately locked my card and requested a new card. 

I disputed the charges as soon as the purchases posted. Capital One investigated and stated that both charges were chip to chip transactions. They used this finding and the fact that I still had the card in my possession as justification to deny my dispute. 

I would like further investigation into this as I did not make these transactions.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

According to the FCRA XXXX XXXX XXXX is not the original creditor and purchased my information illegally and must have my written consent to purchase my information witch they did not do Once again i have mailed this company a notarized affidavit ( XXXX XXXX XXXX XXXX XXXX ) with all violations and each carries a {$1000.00} fine, 15 USC 1681B PURMISIPLE PURPOSE ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-02-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In accordance with the Fair credit reporting act XXXX  account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureau and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is the XXXX complaint i have filled with the CFPB and the companies didnt do anything to respond or to solved this matter. I have only recieved automated responses saying that the issued was verified as accurate but no real proof evidence of such or any invenstigation made. A lot of illegal innacuracies reported and nobody takes an action with the credit reporting company or the creditor.

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 writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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 2023-08-02
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)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2023-07-14
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 have disputed these items with XXXX, Experian, and XXXX multiple times and they continuously come back as verified which is impossible because these accounts do not belong to me. They have been sold to different companies several times an updated with recent dates on my credit profile several times. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX  - reporting {$1700.00} XXXX XXXX XXXX - reporting {$630.00} XXXX XXXX XXXX XXXX - {$790.00} XXXX XXXX  - reporting {$1400.00} XXXX XXXX XXXX - reporting {$2800.00}
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Spring Oaks Capital, LLC (TN)

I received an email from XXXX saying that they sold an alleged debt to Spring Oaks Capital and that the debt is no longer in their hands. Spring Oaks Capital reported the alleged debt to other third parties as the creditor after the fact that the original creditor said that they have nothing to do with the collection of such debt. I disputed the debt and told them to cease contact due to their deceptive forms that were furnished. They have yet to do so.
Consumer complaint received 2023-07-14
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. (FL)

In accordance with the Fair Credit Reporting act this account XXXX ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. states that 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.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Complaint Regarding Closure of XXXX XXXX Credit Card Account Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to lodge a formal complaint regarding the closure of my XXXX XXXX Credit Card account, which was in good standing and consistently paid on time. The issuer of the credit card did not close the account and suggested I contact your bureau to address this matter. 

I have been a loyal customer of XXXX XXXX for several years, and during the tenure of my credit card account, I maintained a stellar payment history. All payments were made in a timely manner, and I strived to keep my account in excellent standing. However, to my surprise, I recently discovered that my XXXX XXXX Credit Card account was closed in XX/XX/2023. 

I have attempted to resolve this issue with the credit bureau responsible for reporting and maintaining accurate credit information, but my attempts have not yielded satisfactory results. Despite my efforts to rectify the situation, the responsible credit bureau has been unresponsive and has not provided a satisfactory explanation for the closure of my account. 

I kindly request your intervention and assistance in this matter. As a regulatory body overseeing consumer financial protection, I trust that you will thoroughly investigate the circumstances surrounding the closure of my XXXX XXXX Credit Card account. I believe it is crucial to ascertain the reason behind the closure and ensure that accurate information is reflected on my credit report. 

Furthermore, I request that you facilitate communication between the credit bureau and myself to expedite the resolution of this issue. It is my understanding that your bureau has the authority to review consumer complaints and work towards a fair resolution. I kindly request that you use your influence and expertise to help rectify this situation. 

I have attached relevant documentation, including account statements, payment records, and correspondence with the credit bureau, to support my complaint. These documents will provide a comprehensive overview of the account 's good standing and the lack of communication or valid reasons for the closure. 

I kindly request that you acknowledge receipt of this complaint and inform me of the steps being taken to address the matter. Your prompt attention to this issue is greatly appreciated, as it has the potential to significantly impact my creditworthiness and financial well-being. 

Thank you for your understanding and anticipated support in resolving this matter. I look forward to a fair and satisfactory resolution. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-07-14
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. (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 : # XXXX, XXXX XXXX/VT 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 2023-05-04
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. (NV)

There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX  XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number. 
1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
3. XXXX XXXX listed a missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

In XXXX Equifax too out of my XXXX XXXX XXXXXXXX for balance decrease when XXXX gave XXXX points. 
On Friday XX/XX/XXXX they took off my XXXX XXXX XXXXXXXX points for no reason.
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PR)

Jefferson Capital XXXX company is trying to collect a debt from me that I did not sign or make the loan with them. This loan was made with XXXX XXXX and by law it is illegal to sell a debt to a company without my authorization. 
XXXX is the letter whith the amount of 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 — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have written letters and sent them certified for years asking that Equifax correct my name 's spelling. This has affected me tremendously for years. I just learned that I could file a complaint with your agency to get assistance in resolving this matter. 

My name is XXXX XXXX. " Not XXXX XXXX '', which is currently reflected on my Equifax credit report. There are also accounts that are attached to that name that does not belong to me.
Consumer complaint received 2022-12-12
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. (NY)

on XX/XX/XXXX I sent letters to transunion to dispute these fraudulent unauthorized inquires on my report. and its been more that XXXX days and transunion has not responded. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete inquires below XXXXXXXX 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 XXXX CREDIT REPORT FCRA 605B ( 15 U.S.C. 1681c-2 )
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Deposited a check to the proceeds I received after selling items from a reputable store into my Capital One 360 checking account via mobile app on XXXX  XX/XX/XXXX. A few hours later, received a notification from the company saying the deposit was successful. This was followed by an email a few minutes later saying that the Capital One reviewed the deposit and determined there's a risk the check will return - to protect me, they were delaying the availability of my funds until XXXX  XX/XX/XXXX. 

This was followed up with another email from Capital One saying that my account was being restricted until my recent activity could be verified. After review my accounts could be closed and all funds will be transferred to an externally linked checking account or sent to my by check. 

I immediately followed up with the store to see why and if their account had enough money to cover the cost of the check, which they verified that they did. 

I asked Capital One to call me back- since now my account was with a department that can not be reached directly via their customer service center but instead have to wait for them to call us back. 

I received a call from Capital One on XX/XX/XXXX saying the bank thought there was a high chance of the check being returned and to protect themselves they were cancelling my account. I have had similar restrictions placed on my account after receiving money from my XXXX program for a house downpayment and receiveing XXXX cash transfers from my fiancee in 2022- which were all ultimately resolved. 

On Monday XX/XX/XXXX Capital One successfully cashed my check- which I constantly reminded them would, based on the store 's assurances that they had more than enough money to cover for the check. My account remained frozen and Capital One did not take any action to move my funds to my externally linked checking accounts even though it is linked through the Capital One app. 

After leaving voicemails to their consumer protection department on the XXXX and the XXXX of XXXX, and receiving no reply on XXXX  XX/XX/XXXX I finally managed to call and reach their customer service and was able to connect to the consumer protection team- I was notified that my account was closed even though the check was cashed and that they would be mailing the remaining funds in my account via check even though I explicitly requested the funds be transferred electronically to my external checking account linked to Capital One. 

The bank has now not only closed my accounts ( 2 savings, 1 checking ) on a false premise that the check would return, but has also kept the money from the check for over 8 days - when I have an immediate need for the use of the funds including the paying of a mortgage, utility bills, groceries amongst others.
Consumer complaint received 2023-03-08
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, & XXXX XXXX Account # 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.