davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

To Whom It May Concern, I am writing concerning my experience with CapitalOne is both a grateful thank-you and a pressing request concerning my account. 

I received my CapitalOne credit card in XXXX of XXXX and took pride in the fact that I routinely made all my payments on time. Unfortunately, in XX/XX/XXXX I missed a payment due to my children becoming sick and then myself. With one child getting better and the next week another child becoming sick and then I became sick as well. I was also told I missed two payments in a row and was 30-60 days late and that's why I was reported as late for XXXX Also I am a XXXX and in XXXX, XXXX and XXXX we had XXXX spread through my facility. I believe XXXX is what my children and I caught in XXXX. People might have started to forget about XXXX, but it's still spreading in waves in Healthcare facilities and Healthcare workers are still battling this virus. I'd appreciate the removal of my late payments from my credit. 

I am a single mother of XXXX children and saving to purchase our first home in the coming year and now I'm not so sure if I can be approved with my unintentional mistake with CapitalOne. I am very sorry. 

Since that incident, I have learned the essential organizational and financial management skills I needed at that point, and my payment history reflects that. I wish to thank you for your renewed confidence in me and for giving me a second chance at a positive relationship with CapitalOne, one that I am determined to keep untarnished. 

Since that late payment does not reflect my current status with your company, Im requesting that you please give me a second chance at a positive credit history by revising those tradelines. I sincerely hope that there is redemption at CapitalOne, and I would like to ask for such consideration. 

I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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. (MT)

This is already my third time submitting this complaint. I have told you already, I was never late on this account. In fact, there are multiple errors with this account. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. Please remove negativity, fix and correct all inaccuracies.. 

XXXX XXXX XXXX
Consumer complaint received 2020-03-10
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. (FL)

XX/XX/2020 I was informed that I had fraudulent accounts opened in my name by my credit monitoring service. I went onto each of the three credit reporting services and entered a " Fraud Alert '' on each. While on EXPERIAN website, I also noticed that they have someone elses email address on file under my social security number! That was very alarming! 

I tried contacting every phone number on their website, from XXXX searches, and ever using my credit monitoring service to help - absolutely no success as you just can not get a real human being on the telephone no matter what question you are asking. Every phone number leads you to a voicemail system that only asks a couple questions and EVERY SINGLE QUESTION leads to disconnecting your call at the end. No option for an operator, even tried selecting other numbers or using " operator '' or " customer service '' voice prompts - but nothing! 

Then, to top it all off, there is an option to " Upload '' documents to Experian for their review. Great, i thought! Went through that process only to be told that my " session has expired - try again ''. Tried at least a dozen times, no success. 

It is amazing that in this day and age, you can't get a person on the phone to ask a question or get directions. Not even an email address to send a question to. 

I need help and just can not get it from Experian and am worried that someone has stolen my identify and will remove any fraud alerts I have setup on my account because they now have full access to a fake email address that only Experian can change. 

PLEASE HELP!!!!
Consumer complaint received 2020-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (MI)

I've been attempting the dispute the alleged medical debt incurred 7 years ago as I haven't been to an Emergency room without insurance in over a decade. XXXX/Phoenix has placed this same debt on my credit report twice, so it appears there's 2 debts, ( once under XXXX, once under Phoenix ) They've never sent anything in writing and wouldn't confirm their identity if they called. After doing some research, it would appear that this is a common tactic when a debt is about to be removed due to age. I'm not sure if XXXX and Phoenix are affiliated with each other. It would appear they're trying to " reset the clock '' on a debt I never should've been liable for in the first place.
Consumer complaint received 2022-02-24
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)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2023-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX services created XXXX hard inquiries on my credit report for a single application for the same credit card. The first inquiry, that was expected, was on XX/XX/2023 and that lowered my XXXX score XXXX points. They then mailed me a letter asking me to confirm the application was submitted by me. I contacted them on XX/XX/2023 in response to the letter and they confirmed my identity and that I was the one that submitted the application for the credit card. After that confirmation they approved the credit card acct. 

Later that evening I received an alert from Experian that my XXXX score had dropped again by XXXX points due to a additional hard inquiry. That inquiry was also from XXXX XXXX XXXX on XX/XX/2023 in relation to the same application from XX/XX/2023. 

I contacted Experian and they refused to dispute the duplicate hard inquiry. They directed me to XXXX to request removal. I contacted XXXX and eventually was connected to their credit reporting department. They refused to remove XXXX of the hard inquiries saying that they can run the credit multiple times and that the issue with XXXX score decreasing was with the credit bureau. 

My concern is that if the same bank ran my credit twice within XXXX days for the same credit card application, it should not be considered as XXXX separate hard inquiries with regards to credit scoring as this was part of a single approval process. This is not the case when mortgage companies do this, it should be this same for all creditors. 

Additionally, this should be allowed to be disputed with the credit bureaus and the financial institution that requested the information. Both declined my request to dispute. I should not be negatively affected on my credit report twice for their investigation into the validity of my my identity and application. 

My XXXX score was lowered XXXX points total as a result of XXXX credit card application that I was approved for and that is unfair to the consumer.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NC)

Hello I have an account with navy federal credit union my card was stolen recently and it was several charges made which I didn't notice because I had just placed the funds in my checking account for my monthly bills to be paid but after receiving a call from one of my bills that the funds were not available for the bill I quickly checked my account then looked for my card then called navy federal credit union they took my dispute I told them I believe someone took my card after leaving XXXX the same day I went to the bank I was advised to go to a branch and get a new card I'm physically XXXX so I didn't have a way there right away but when I got there a week later i drove almost two hours away from my home an they informed me that my debit card privileges was suspended for a year which is totally unfair to me im physically XXXX I most times use my card to deposit money for bills it's like being victimized all over again this time by my bank a year is very harsh they're making it seem like I did something wrong and I absolutely did not i reached out for an appeal i have screenshot they responded within two days saying their decision was final it was the fastest appeal i have ever saw please help me
Consumer complaint received 2021-06-29
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. (MD)

I haven't received any response within the allowed time provided by the FCRA to my dispute letters. The companies XXXX & XXXX have not fulfilled their obligation to provide of the derogatory account ( s ) stated on my credit report.
Consumer complaint received 2023-11-30
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I had previously file you a report on XX/XX/2023, requesting an investigation into the information being reported on this account. However, I received a response from you stating that the account was verified and there would be no change. Subsequently, I reached out to the creditors for verification of the information but received no response. I repeated my request for verification but still got no response. I have now exhausted all possible means to resolve this matter and demand that the account be deleted from my credit report as it is invalid and unverifiable. According to the Fair Credit Reporting Act, if there is no proof of debt and no verifiable information, then the information can not be reported to or by credit bureaus. Please take the necessary steps to remove the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OK)

In XXXX Synchrony Bank sued me for a debt owed on a care credit card. In XXXX Synchrony Bank sent me a 1099c, cancellation of debt form and I claimed the debt on my XXXX taxes as income. In XXXX of XXXX I contacted Synchrony Bank to get the judgment against me released and even offered to pay anything owed. I was told they could not take any money from me because the debt had been cancelled and they assured me the release would be sent to the court house. In XX/XX/XXXX I and another person I hired to represent me spoke with them because nothing had been received by the courthouse or myself. XX/XX/XXXX we were assured the release request had been sent and would arrive at the courthouse and the judgment would be released. To this date the courthouse has received nothing from Synchrony Bank releasing this judgment. My representative and I spoke with Synchrony again on XX/XX/XXXX in which we were told they would not release the account until I paid {$2300.00} to them. I had never been told any money was owed. I have been told since XX/XX/XXXX that they can not take any money from me due to the XXXX. On XX/XX/XXXX we called again and spoke with the manager, XXXX. He assured my representative and I that the release was sent on XX/XX/XXXX. He also assured me no money was owed on the account due to the 1099c. I asked for proof that the release was sent and he could not provide me with any. I asked for a release to be sent directly to me so I could personally take it to the courthouse. I was told that couldn't be done. I asked for anything to be sent to me stating I no longer owed on this debt. I was told they couldn't provide me with anything. I asked for the tracking information for the release or proof that the courthouse received it. I was told they could not provide me with that. Synchrony Bank has done nothing but state false promises to me that my account would be released and paperwork would be sent to the county courthouse in which the judgment resides. They have tried to wrongfully claim I owed money on this account. They have said they have sent the release yet the courthouse never receives it and they refuse to provide me with any paperwork or letters confirming this debt is released.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (CA)

On XXXX, XXXX, I became aware of fraudulent activity against my credit through my membership in XXXX XXXX XXXX through XXXX XXXX XXXX Two CRAs, XXXX  and XXXX  are listing 2 separate attempts from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX  lists the original debt as from ChecknGo, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information. 
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2023-02-03
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. (OH)

In accordance with the Fair Credit Reporting act. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U S C 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A, Section 2 also states a consumer reporting agency can not furnish an account without my written permission.

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.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TN)

On XX/XX/XXXX Discover closed my account, and on XX/XX/XXXX sent me a cancellation of debt ( 1099C ) in which has been filed with my Federal Taxes. According to my three major credit reporting agencies, Discover is continuing to show a past due balance, as well as marking my account as negative on a monthly basis. I have disputed the information being reported several time, and in all occasions, they state the information is correct. I wish to have my credit reports showing the balances and no longer show negative on a monthly basis.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-10
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: BMW Financial Services NA, LLC (CA)

I have found myself in the midst on an identity theft issue that has effected a credit report. a couple accounts were opened and inquiries added, although i know i have not applied or tried to open any new accounts BMW FINANCIAL SERVICES on XX/XX/XXXX with an XXXX balance is not an account i authorized. XXXX XXXX opened on XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-01-16
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. (MI)

I have tried on many attempts to update my legal name on my Experian Account. They refuse to change my name despite it being a COURT ORDERED name change!!!! 

I was transferred 6 times to different departments by people who barely understood English. I have changed every other account without issue.