davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One XXXX XXXX XXXX or Successors XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC Capital One Customer Advocacy Office XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Is still Reporting fraud accounts on All 3 credit bureaus XXXX, XXXX & XXXX XXXX . 
Capital One is violating my rights & breaking the law. They have not followed the law providing any legal proof of these false accounts in 30 days & its been XXXX  months & consistently break the law by not removing them. Capital One uses their corporate Billion dollar company status as a bully, instead doing the right thing & helping a victim of ID Theft! The fraud they continue to report is causing me & my family stress & hurting my future credit goals. I WILL NOT STOP UNTIL I GET JUSTICE! THANK YOU!
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I submitted disputes on XXXX XXXX XXXX with XXXX, Transunion, and XXXX. They refused to investigate, did not complete a proper or timely investigation, did not provide me with results, or verification. I want these accounts immediately removed or I will seek legal action against all 3 credit bureaus.
Consumer complaint received 2023-05-22
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: Atlanticus Services Corporation (NY)

Hello, CFPB I am a victim of a hate crime! 

On behalf of all matters regarding CREDIT CARD DEBT. 

I AM SENDING THE FOLLOWING COMPLAINT FOR YOU TO INVESTIGATE MY CREDIT PROFILE/ HISTORY TO CHECK FOR ANY UPDATES PERTAINING TO CYBER CRIMINALS, CREDIT CARD SCAMMERS, OR STOLEN SOCIAL SECURITY NUMBER DEBT SUSPECTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX & HIS WIFE XXXX XXXX ( PROPERTY MANAGER ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , DC XXXX ( XXXX ) XXXX XXXX CEO ; XXXX XXXX & XXXX ; XXXX XXXX BOTH COMMITED XXXX ABOVE MY APARTMENT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DC XXXX Phone : ( XXXX ) XXXX Please notify Judge ; CHAMBERS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , DC XXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tormey Bewley Corporation (NM)

Dear To whom this may concern, I have contact ed the advantage group he re in  XXXX , NM because I was put into collections for medical bills. First of all, I have medical insurance that has covered all bills. I contacted the hospital itself to see what was happening. They checked all bills and they were all covered by my insurance and did not know why I was even transferred to collections. These bills are : Accou nt 1  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$220.00} on  XX/XX/XXXX .   Accoun t 2  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$210.00} on  XX/XX/XXXX .   Account  3  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$160.00} on  XX/XX/XXXX .   Acco unt 4  :  XXXX   XXXX  with a balance of {$770.00} on  XX/XX/XXXX .   These medical bills need to be removed as soon as possible because it is affecting my  credit score  and limiting me to improve my credit.  <P/> Sincerely,  XXXX   XXXX   XXXX .
Consumer complaint received 2017-02-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

While I was in XXXX my was friend took my card and ran my credit limit to the max. I was on XXXX from XX/XX/XXXX to XX/XX/XXXX. You will see charges on that credit card during that period while I was in XXXX.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.
Consumer complaint received 2021-12-22
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. (TX)

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + Transunion, The companies below have many inaccuracies on my Transunion credit report : - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter I am looking to have these credit accounts removed from my Transunion credit report for many blatant inaccuracies they refuse to fix.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Have had 3 credit cards with capital one for YEARS. I had ONE late payment / payment returned because I didnt realize my deposit hadnt made it into my checking account on time. Capital one made ZERO effort to contact me and instead closed ALL THREE of my credit cards without any warning, zero phone calls, zero emails, zero messages. Then I receive letters claiming I violated terms of services for using the cards. What??? I use my cards for very basic uses. I recently moved, so expenses were temporarily higher as I used the credit THEY GAVE ME for some one time household purchases. Excuse me, I thought credit cards were designed to BE USED. They now have destroyed my credit by closing these accounts as now my credit is going to nose dive. After Ive been LOYAL TO THIS BANK AND IN GOOD STANDING FOR YEARS. Horrible horrible bank!!
Consumer complaint received 2021-12-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX. I pulled my credit report and noticed some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the an error on my credit report.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 3rd 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 XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} Medical XXXX Balance : {$500.00} Medical XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (OH)

XXXX attained my personal information without my permission. This collection agency doesn't have my verbal or written consent to have possession or disclose any of my personal information. The company violated my consumer rights by sharing unauthorized information with other third parties and reported unverified alleged debt that I refuse ownership or know of. This collection agency refused to follow the law and illegally report this collection to my consumer report. This company refused to respond to any letters I have mailed demanding verification of debt as well as following my cease and desist. I am giving the company XXXX days to remove the collection from my consumer report. If the collection agency refused then I will file a claim with the ohio General attorney 's office to start legal action on the sixth day. This is not an attempt to threaten but to outline my rights as a consumer.
Consumer complaint received 2024-02-06
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)

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.

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 2017-03-26
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Lincoln Financial Services (CA)

I got a truck for my cousin on my credit then they were going to transfer to his well the car got repo and they sold it without my consent and they never notify me and its on my credit as a bad debt. They chargeing me more then car was worth. They called my work and they were harassing me
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A XXXX XXXX  card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.
Consumer complaint received 2023-02-27
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. (TX)

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. XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Consumer complaint received 2024-02-06
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)

Subject : Formal Dispute and Urgent Request for Validation of Accounts Dear Sir/Madam, I am writing to formally dispute the validation of several accounts listed on my credit report by XXXX XXXX XXXX and XXXX XXXX. Upon reviewing my credit report, I have identified discrepancies and inaccuracies in the reported accounts, compelling me to seek your intervention and request thorough validation of these accounts. 

Account Information : XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$2300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$2300.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$1400.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX  Account Number : XXXX Recent Balance : {$660.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$660.00} past due as of XX/XX/XXXX. 

I dispute the validity of these accounts based on the following grounds : Lack of Proper Validation : Despite my previous dispute attempts, the accounts in question have not been adequately validated by the reporting agencies. I request comprehensive validation of these accounts, including but not limited to verification of the account numbers provided. 

Unclear Documentation : The documentation provided thus far regarding these accounts has been insufficient and vague. I request clear and detailed documentation that unequivocally proves the validity of these accounts, including account statements, agreements, and transaction history. 

Discrepancies in Reporting : The reported account information contains discrepancies and inconsistencies that cast doubt on the accuracy and legitimacy of these accounts. I request clarification and validation of all reported details, including account numbers, balances, and dates opened.

I demand an immediate and thorough validation process to ensure the accuracy and integrity of my credit report. Failure to provide adequate validation will result in the removal of these accounts from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

I expect written confirmation of the validation process and a detailed report of the findings. Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this dispute swiftly and fairly.
Consumer complaint received 2024-02-06
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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
Consumer complaint received 2024-02-06
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. (KY)

I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above.

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

Experian is refusing to even investigate or to remove old dated information off my credit report. I have XXXX accounts which should have already been removed from my credit report. XXXX XXXX XXXX date of first delinquency was XXXX 2010. And XXXX XXXX XXXX date of First delequency was XXXX 2010. Both these accounts should have aged off my credit report.
Consumer complaint received 2023-02-27
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I never took out any loan with XXXX XXXX. I have requested the contract and terms and conditions to which they will not provide. This company received my private information commuting identity theft & securities fraud. I never applied for anything which is why they can not provide any application or any documents at all.
Consumer complaint received 2024-02-06
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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