davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-03
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. (PA)

This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These incorrect addresses and accounts do not belong to me I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. I have been living at the location provided for the past 15 years. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

IN XX/XX/XXXX UP UNTIL XX/XX/XXXX I HAVE CONTACTED NATIONAL SYSTEMS INC TO REMOVE A FRADULENT COLLECTION AND THEY HAVE REFUSED TO HELP ME.
Consumer complaint received 2021-08-31
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: CBC Companies, Inc. (FL)

I did not authorize this company to pull my credit. I have asked Factual Data and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Factual Data XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC (VA)

i have recently contacted this company and inform the that the debt that they say i owe is not mines i also have sent letters out saying this debt is not mines i need this debt remove from my credit report ASAP if this continue i will have to use legal action and i dont want this to go that far please contact all credit bureaus and like them know the debt is not mines
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Hello, Experian XXXX XXXX XXXX XXXX, XXXX XXXX My name is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I am writing to dispute the following information that appears on my Experian consumer report : I never reside at the following address below and would like to have this immediately removed from my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX I also noticed that the following inquiries below were made without my direct knowledge and consent, and I dont recognize the companies listed below in question. I request that those entries to be removed from my credit report profile immediate. This is a direct violation of 15 USC 1681, from the companies listed below : 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 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 : REMOVE ALL INFORMATION LISTED ABOVE BECAUSE IT IS A DIRECT VIOLATION ON THE ITEMS LISTED UNDERNEATH : 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (LA)

I keep getting contacted to pay this debt that I do not owe. I have XXXX XXXX XXXX and this has been an ongoing issue. Myself and the insurance company have contacted them and let them know the proper way to bill insurance but they disregarded.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (SC)

This is a written notice to XXXX XXXX as ceo of Synchrony Financial XXXX the consumer am invoking my right of recsission pursuant 15 usc 1635. I rescind all signatures, endorsements, and consents of my information there of. I expect my information be deleted, and all money be mailed by check to the address of XXXX XXXX in good faith.
Consumer complaint received 2021-08-31
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)

I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

I initiated a claim for {$16000.00} dollars on my business account on XX/XX/XXXX, a few days later I cancelled the claim as we realized that the charges were valid. TD bank said they could not cancel the claim and to deal with the merchant. The funds were taken out of the merchant 's account and I then paid the merchant {$16000.00} dollars in the form of a wire transfer. TD Bank was supposed to credit my account back by XX/XX/XXXX as they have the funds from the merchant. We cant get an answer from the claims department and customer service or the branch are unable to help. We need our money credited to our account ASAP as we have now essentially paid the merchant twice. 

I have provided TD bank with proof of payment to the Merchant and proof that the merchant also has the funds taken from there account and that TD has the funds. I was told that if the merchant didnt challenge the claim by XX/XX/XXXX the funds would be credited To my account this has not happened yet and no one has answers. 


The lack of communication is unacceptable and needs to be fixed. 
They are holding {$16000.00} of my money.
Consumer complaint received 2021-08-31
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: CORELOGIC INC (FL)

I did not authorize this company to pull my credit. I have asked XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX  XXXXXXXX Via Credco XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2021-08-30
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: Experian Information Solutions Inc. (MI)

I contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My credit reports are not reporting accurately. I sent a letter to all XXXX companies to fix or delete. To no prevail, they have not corrected the information, nor have they deleted it. I have asked that they fix the items or delete it. I even sent my ID, social security card, and proof of address. The only thing they sent in return was a letter stating to please send verification which I did previously.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I sent my Kohl 's store payment ( issued through Capital One ) through the USPS on XX/XX/2021 for {$23.00} but it was not received by the company until after the payment due date of XX/XX/2021. I was charged a late fee of {$15.00} on XX/XX/XXXX and notified of the late fee on my XXXX statement ( closing date of XX/XX/2021 ). Since my previous balance of {$23.00} was paid in full after the due date, the amount due on the XXXX statement was {$15.00}. I wrote to the company explaining what had occurred and did not receive any communication back from either Kohls or Capital One so I assumed it was written off since I'm a long time customer of the store. I received my XXXX statement ( closing date XX/XX/XXXX ) last week and not only did they not take care of the previous {$15.00}, they have charged me another {$15.00} late fee plus a minimum interest charge of XXXX for a total account balance of {$32.00}. The entire amount owed now is all fees for a charge that is almost {$10.00} less than the current amount owed. The fact that Capital One charges a late fee for a non-payment of a late fee is a deceptive practice. The fact that Capital One did not respond to me after I provided a written explanation and felt that the best thing to do for a long time consumer is to charge an additional late fee and minimum interest. They currently want me to pay 142 % of the original balance in fees and that is unfair.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (OK)

I was using Coinbase wallet to invest into cryptocurrency, then my account got hacked and I tried reaching Coinbase customer service no one responds no matter how many times I tried. Its been over 2 months. I had over {$1000.00} invested in there.
Consumer complaint received 2023-12-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: NAVY FEDERAL CREDIT UNION (MN)

I was unsuccessful demanding Navy Federal Credit Union immediately reverse an erroneous late fee charge and credit my Home Equity Line of Credit in the amount of {$31.00} which I paid. 

The basis for my refund request is that Navy Federal  XXXX ) systemically abuses late fee charges for payments received on time ; and XXXX ) improperly retains late fee charges Navy Federal is not entitled to for a under the guise of a fake and unnecessary 10-day investigation period. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the amount {$770.00} to Navy Federal. See attached. 

Navy Federal acknowledged receipt of the check on XX/XX/2023, with a notation " XXXX XX/XX/2023 XXXX '' on the reverse side of the check. 

Notwithstanding Navy Federal 's possession of the check on XX/XX/XXXX, a late fee of {$31.00} was assessed. Navy Federal processed the check for payment on XX/XX/2023 as noted on the back of the check. Funds were withdrawn from the XXXX bank account on XX/XX/2023. 

On XX/XX/2023, I contacted Navy Federal and requested the charge be immediately reversed as erroneous and was told I had to wait at least ten days for an investigation to be completed. However, as the notation on the back of the check made clear, there is nothing to investigate since Navy Federal 's own records/notation acknowledged possession of the check on XX/XX/2023 ( within the time period to be considered on time per Navy Federal 's XXXX ). Also, Navy Federal refused to provide/confirm this information currently within their holdings. Lastly, I believe Navy Federal systemically abuses late fee charges in contravention of internal policy because I was told a prior payment late fee had been waived ( without my knowledge that Navy Federal even considered the payment late ).
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me.

Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!
Consumer complaint received 2021-08-30
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. (OK)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I cosigned a car loan for my sister in XX/XX/2020. I had an excellent credit score so XXXX XXXX XXXX switched our Social Security numbers and put my sisters Social Security number under my name and my Social Security number under my sisters name on their forms. As a result XXXX  is now reporting my identity as formerly known with my sisters name as my former identity. What Nissan did was unconscionable. XXXX XXXX Nissan fraudulently misrepresented information by putting me on the loan as the primary applicant instead of a co-signer. They also fraudulently reported that my sister and I were one person ( an AKA identity ) This has caused my XXXX  credit score to plummet 100 points. I have made several efforts to contact Nissan. I spoke with XXXX ( Nissan employee ) as recently as XX/XX/2020. I then spoke again with XXXX XXXX ( Nissan employee ) on XX/XX/2020. On both occasions they admitted to the error but have not rectified the problem. On XX/XX/2020 I called Nissans corporate office and filed a formal complaint. They reached out to XXXX XXXX Nissan who promised once again to rectify the problem but true to form, they never made any attempt to rectify the issue. This has caused me financial problems with regards to my ability to transact business. Im a XXXX XXXX and this has affected me adversely. So far XXXX XXXX Nissan has made no effort to rectify this problem that they created. They continue to give me the runaround and make promises to fix the problem without any intention of ever doing so. Their refusal to rectify a problem they created leads to the obvious conclusion that they knowingly committed fraud by falsifying vital information in order to benefit financially. A conversation on XX/XX/2020 at XXXX with the owner of XXXX XXXX Nissan, XXXX XXXX once again yielded nothing. Mr. XXXX called me and attempted to to act like he had no idea what his company had done. He asked me to forward documents which I promptly emailed to him immediately. Of course Ive never heard back from him after sending him the proof and at this point, I really didnt expect to. I believe from our conversation that as the owner Mr. XXXX XXXX is fully aware of, if not party to his companys fraudulent actions. XXXX XXXX Nissan did something criminal by falsifying information on a loan application and thereby committing identity theft. As a result of Nissans fraudulent actions, my credit score plummeted, dropping by more than 100 points and negatively impacting XXXX XXXX and my personal life in numerous ways. The fraudulent actions taken by XXXX XXXX Nissan has caused me immeasurable stress and anguish.
Consumer complaint received 2021-08-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Equifax is not reporting my credit information or XXXX  score on my credit report. I have sent Equifax my W2s, drivers license, utility bill and they still have failed to update my score and report. I have disputed hard inquiries I didnt authorize and they still have failed to update my report. I have called to escalate and they will not allow me to speak to a Manager. I started communication in XXXX and they still have not responded or updated my files. I can be reached at XXXX and XXXX
Consumer complaint received 2021-01-03
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. (TX)

On XX/XX/2020, I mailed a dispute letter to XXXX. The United States Postal Service provided a delivery date of XX/XX/2020. As of XX/XX/2020, XXXX  failed to respond to my dispute letter. In response to their failure to respond within the 45 days allotted due to COVID, I sent a letter requesting deletion of the disputed accounts. XXXX  's failure to investigate my dispute within the appropriate timeframe is a violation of my rights as a consumer under the Fair Credit Reporting Act. As such, I am requesting CFPB conduct an investigation of this matter. In response to my request sent to XXXX  on XXXX, the credit bureau failed to delete the accounts as requested and instead attempted to perform the initial investigation requested on XX/XX/XXXX. This is a violation of my rights, as the timeframe by which an initial investigation should have been conducted had long expired. XXXX  mailed correspondence on XX/XX/2020 and only one of the accounts had been deleted. The remaining accounted was listed as updated. This again violates my consumer rights. The account was not investigated within the timeframe allowed by law. XXXX engaged in unethical practices by labeling the XXXX correspondence as a reinvestigation. This implies the original investigation had been completed and indeed it had not been completed. The XX/XX/XXXX correspondence was the first and only correspondence I received in regard to the XX/XX/XXXX dispute letter. I am requesting an investigation and the remaining account deleted from my credit report as requested due to the violations by XXXX.
Consumer complaint received 2024-05-15
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. (VA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I already submitted this complaint. However, the companys response was very unprofessional and completely missed the point of what I said. So, I will resubmit. There is an inaccurate Bankruptcy reported on my credit report. XXXX, who is the provider of information to XXXX  as well as the other two Bureaus, has deleted this item because they deemed it inaccurate. Again, I will add this documentation to this complaint again. Also, third party vendors do not receive information from the Bankruptcy courts. They do not received the full SSN. So, XXXX YOUR THIRD PARTY has deleted it and it is illegal to continue to report something that is inaccurate on my report. My middle name isnt even correct on this Bankruptcy. You claim XXXX verified it but thats impossible since they already sent me the updated file with it completely removed. The results in the response I was sent that you cited in the response all say verified by XXXX. How is that possible if XXXX has deleted this? It isnt. Also, there is a screenshot from XXXX stating that they provide public record information to you.
Consumer complaint received 2021-01-03
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. (UT)

I have disputed with Experian about incorrect address information XXXX 2020 and they returned with information on XX/XX/2020 that my information has been verified. This information is not a verified by human eyes or hands. Experian is using E-Oscar to verify old addresses. I have already submitted information to Experian showing I live at another address which is not associated with my address. This erroneous information on my personal information on my credit report effects getting loans and getting a home loan I was told this makes my history of residence look like a jumper and they can't tell if I have permeant address.