davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I tried to use my Capital One credit card to pay the copay on a medical procedure and it was declined. When I called to find out why the representative told me my account was restricted and would not tell me why until he " verified '' the account. 
I refused to give my cell phone number ( they do not have it as far as I know. ) and what told he could call my home number but I had to stay on the line. I was calling from my cell phone and my home phone calls are forwarded to my cell phone. This would necessitate me disconnecting/holding the cell phone call in order to answer the forwarded home call. 
The rep then said I had to provide my state issued ID card front and back in order to release the restriction on the account. This puts my identity as more risk because they already have my social security number and have had a recent breach. 
I asked to speak to a supervisor and after a long wait was transferred to a representative in the US. ( I confirmed that the company outsourced there customer service to XXXX or the like with XXXX XXXX, a supervisor. ) XXXX mentioned that general reasons for restricting an account have to do with " additional concerns '' and would not go beyond that information ... other than implying that my card was restricted due the homeland security and the Patriot Act. 
This is ludicrous. The Patriot Act was put in place to protect America against terrorism and potential terrorist acts. 
When I questioned XXXX on why I was not sent a notification via email that there was a problem with my card and " potential identity theft '' he responded that not all card holders have an email address. However, Capital One sends me about three email messages per month and this did not seem like a truthful answer. 
I have no idea why this happened. I have been a card member with Capital One for about ten years. I pay on time and over the minimum amount each month.

It seems unlawful and against US Code to require images of an ID card to be sent through the internet to release a freeze on an account. A freeze that seemingly has no legitimate reason and no indication is disclosed to the card holder. Additionally, they refused to report the card lost or stolen and issue a new card.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days investigate and send me the results.

And They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.f
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

This account ( {$590.00} ) was disputed and investigated twice before, 1st time with Credence Management on XX/XX/21 in which it was closed and removed after discovering that the services rendered from XXXX XXXX XXXX were to a California address. I have never lived in California. The second attempt to collect this dept ( {$590.00} ) was from a company called XXXX, I believe that they were associated with XXXX XXXX XXXX. This second dispute took place around XX/XX/21. I believe this account was sold or passed along to XXXX by Credence Management. This account was also deleted from my credit report after they deemed that it was not my debt, because I have never lived in California. I also remember filing a fraud report through CFPB ( Consumer Financial Protection Bureau ) for XXXX XXXX XXXX, and also for XXXX XXXX and XXXX. Even after all the investigations, and having the account closed and removed numerous times, this company still manages to try to tie it to me via my credit report and trying to ruin my credit in the process.
Consumer complaint received 2023-05-15
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I have obtained my consumer reports from all credit bureau agencies notified them of the fraudulent reporting information that is inaccurate reporting information my consumer report ChexSystems XXXX information is being furnished by XXXX XXXXXXXX XXXX claim number from XXXX XXXXXXXX XXXX XXXX XXXX Accounts number ending XXXX Florida drivers license number is inaccurate information address is incorrect information how can the information be verified and the method of investigation that where conducted The Consumer report shows that I was a victim of fraud my whole entire personal information has been compromised identity, Social Security number, etc. 

Im the victim of identity theft and I dont recognize none of the accounts or inquiries on my Consumer report. I XXXX XXXX XXXX purports to bring claims against ChexSystems under the Fair Credit Reporting Act ( FCRA ) based upon information reported, allegedly caused by identity theft. In enacting the FCRA, XXXX recognized the vital role consumer reporting agencies ( CRAs ) have in assembling and evaluating consumer credit, as well as the need to insure that CRAs exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 U.S.C. 1681 ( a ) ( 3 ) - ( 4 ). Under section 1681e ( b ) of the FCRA, a CRA, when preparing a credit report on a consumer, is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). If a consumer brings a dispute to the CRA regarding the completeness or accuracy of a credit report, the CRA is required by section 1681i ( a ) within a reasonable period of time [ to ] reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. 15 U.S.C. 1681i ( a ). The FCRA addresses the duties of CRAs and of furnishers of information to those agencies as follows.

. 15 U.S. Code 1681c1-
Consumer complaint received 2020-01-07
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. (WA)

In XX/XX/2019 I conducted a, solely, non-credit business transaction with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of XXXX, XXXX WA XXXX. At absolutely no time was credit of any kind either discussed or even whispered about. However, XXXX XXXX XXXX XXXX, unbeknownst to me at the time, and with absolutely no authorization of any kind, somehow ran a " hard [ credit ] check '' against my Equifax credit file. This was a clear violation of the Fair Credit Reporting Act. After discovering this on my Equifax credit file I contested this with Equifax on XX/XX/2019, ( Credit File Confirmation # XXXX ) and but two days later, on XX/XX/2019, Equifax determined that " Inquiries are a factual record of file access. If you believe the file access was unauthorized, please contact the creditor. '' Of course. By definition, my complaint itself stated that the access was " unauthorized, '' and it is not my job to clean up the illegalities that Equifax allowed to occur, and now also is very actively acting as an accessory after the fact regarding. Using Equifax 's logic, any entity or person could access my credit report unauthorized and because the access " factually '' did occur, the resolution rests between the law-breaker who initiated the credit check and me, with Equifax, according to itself, just an innocent bystander that also can continue to list the illegal " hard credit '' check on my report for two years. Am I missing something? XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-06-05
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. (HI)

XXXX reported 30 days late on a {$30.00} late fee. They took my regular payment on time out my bank account but reported {$30.00} fee. I asked them why would they take out my regular pay if I owed more, and report the fee. I uploaded XXXX and XXXX you can see they took normal pmt if I owed XXXX more why not take that too. Then in XXXX my normal pet again was taken plus additional fee {$85.00} then they credited the {$30.00} to my account this is predatory. 

I don't agree with their decisions of being late.
Consumer complaint received 2022-12-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NE)

During XXXX of XXXX, I called Sallie Mae and told them I wanted to figure out payment options because I have been having a difficult time since COVID and deaths in the family that have altered my life completely, mentally, emotionally, and financially. I am now in the process of XXXX XXXX XXXX  who lost her father who was my uncle, which has taking a financial toll on my finances while I am still recovering from the impact of XXXX. I have explained this a Sallie Mae representative who talked me out of doing a forbearance stating that it would not be in my best interest because it would cause more of a financial burden and that Sallie Mae wasn't close to reporting my account to the credit bureaus and I had time to make a payment. I made a payment a few weeks later to which Sallie Mae took out a partial payment not the full amount, once I called several representative could not give me a explanation as to why that occurred and nothing was notated on my account. I sent a complaint to Sallie Mae via mail and I did not receive a response on. 
I then spoke to XXXX XXXX who said once I get only a payment plan which included my defaulted amount that I would not receive any calls or emails because of the plan. That was not true. Since then I have continue to get harassing phone calls with people telling me different things every single time. I then received a letter threatening to take me to collections if I didn't pay by the XXXX when my payment plan was set for the XXXX. I called and spoke to XXXX and she said they wouldn't send me to collections as long as I made a payment on the XXXX ... which doesn't make sense. So I called and spoked to another representative who told me that the payment plan didn't cover everything which I was no aware ... she suggested I make a {$66.00} ( week of XX/XX/XXXX ) payment to stop it from going to collection which I did and told her that I did 't want to be contacted by representatives because I am continuously being misled. The following week I still made the {$85.00} ( XX/XX/XXXX ) payment that I agreed to which put me in a financial bind. I think I got contacted the following week after making the two payments that I needed to make {$130.00} payment, I told XXXX that I asked to stop being contacted because I don't even know what I am paying and nothing is making sense. She refused and said they are allowed to contact me. I continued to ask questions about my account and she transferred me to another representative who then couldn't explain anything and couldn't transfer me back to XXXX. Not once did or was she able to explain any explanation... again something that I continue to receive from the representatives.
Consumer complaint received 2023-12-29
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. (TX)

As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to XXXX XXXX. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the Equifax data breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 7 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is XXXX  XXXX XXXX. See the Equifax data breach claim ID attached.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
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: EQUIFAX, INC. (NY)

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$980.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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)

WROTE letter to opt out ( XXXXXXXX XXXX XXXX XXXX ) from sharing my personal info, and i did not give consent to any inquires that's being reported to my credit report! 
also i called all THREE credit bureaus and they refused to remove inquires ( AN PROMO INQUIRES ) which is a violation XXXXXXXX XXXX each promo i never gave no one consent to peek into my report that's illegal ' and violation of the privacy act of 1974 and violation of 15 usc 1681b 1000 $ violation each and i would like to collect. FOR EVERYONE WHO WAS Involved in this fraud
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-07
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. (FL)

My credit reporting companies have unlawfully removed one of my furnished revolving credit accounts or have not furnished the revolving credit account on my report more than 30 days after having confirmed receiving the account information from the creditor XXXX Account # XXXX. This account has been removed from EQUIFAX and XXXX and XXXX have not added this revolving account to my report as required by law. They have also violated my rights by doing this under 15. U.S.C 1681 e ( b ) Accuracy of report 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.
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. (NY)

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$980.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2020 ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (AZ)

After reviewing the consumer file held with FactorTrust regarding myself, I found that this company is reporting incorrect personal information regarding me on file. I reached out to this company via USPS mail twice with a written dispute clearly disputing all incorrect information and clearly providing the correct personal information. In both written dispute letters I included a copy of my ID and proof of address via bank statements. Both attempts to dispute were not investigated or corrected. I will be pursuing legal steps since FactorTrust continues to violate my rights under The Fair Credit Reporting Act by refusing to properly investigate and DELETE the incorrect information it is reporting on me.
Consumer complaint received 2020-01-11
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: BMW Financial Services NA, LLC (CA)

I DISCOVERED THAT THER IS BMW FINANCIAL SERVICES/CREDIT ACCOUNT ( ACC NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD BMW ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, XXXX, XXXX, AND XXXX  DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY XXXX  REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2022-12-27
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. (WI)

HI, I do not recognize these inquires on my Equifax credit report. 
I believe they could be fraud, some one got my personal info. Because my bank account was hacked a few months ago also. 


Equifax XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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)

I recently received a copy of my ( Experian, XXXX and XXXX ) credit reports, and I noticed some late payments posted on my credit reports : The account below is being listed with late or missed payments and that is incorrect. I sent each Credit Bureau i letter stating that this account wasn't late and that i had identity theft in XXXX of this year and had to have my checking account info changed, XXXX XXXX made note of the new account however didn't remove the old checking info and when XX/XX/XXXX payment was made charged the old account which was told would be removed and wasn't. Causing my account to be reversed with being late. 

THIS ACCOUNT SHOULD READ PAYS or PAID XXXX XXXX XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX These are the certified tracing labels for each credit bureau and copy of letters sent. 

XXXX XXXX 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
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (IN)

THESE ACCOUNTS AND INQUIRIES ARE NOT MINE .PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.