davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP (WA)

I received a phone call stating that I was being taken to court for a bank account that was Used intentionally and purposefully to defraud the government and the old {$1200.00} to US Bank account refused to give me any written information regarding this fraud told me they were going to send me to gaol the police will be showing up at my house they said that they send me paperwork in XXXX to an address that I haven't lived at in years And their company was XXXX XXXX  XXXX XXXX out of California the phone number is XXXX
Consumer complaint received 2020-09-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm filing this complaint against the credit bureau today because I am a victim of identity theft which I've submitted my identity theft affidavit from the FTC with the credit bureau. They're items on my credit report that I have disputed that has been removed except for the public records. The credit bureau are claiming to have verified the inaccurate information as accurate but when proof is requested of how and with whom I have yet to receive any documents. I have contact the creditor directly and they provided me with a letter stating they do not submit any information to the credit bureaus. So my question is to whom was the information verified with and why haven't I yet received any documents with my signature of this account??? Because the accounts has been verified as my account and I would like it removed. 
I'm uploading my dispute letter I mailed back in XXXX of this year along with my security freeze confirmation letter, and the letter I received from the courts house.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with Capitol One. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead capitol one wanted me to send them supporting documentation for my request.

I requested with a second letter to capitol one to do another investigation and another letter to XXXX and XXXX to reinvestigate the request.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I received an alert that Capital one auto finance reported my account delinquent. I called and confirmed that my account was not delinquent with XXXX ( agent ID XXXX  ) XXXX also confirmed that they do not report accounts until the end of the month ( XXXX ). This prompted me to contact the bureaus. XXXX XXXX confirmed that indeed capital one sent over partial information electronically that indicates that my account was delinquent and urged me to work with capitol one to resolve this issue. 

I contacted capital one today XX/XX/XXXX and was hung up on 3 times finally after an hour of holding and being hung up on I spoke with XXXX ( agent Id XXXX ) resolution specialist. She would not let me speak with a manager and advised me that i would have to start a dispute process and wait for a call back when a superior was available. She confirmed that negative reporting does not occur until the end of the month and that this error will take time for Capital one to correct. 

I am aware of my rights under the fair credit reporting act. This error has devastated my credit score and I am seeking resolution to this error. I am also seeking monetary damages for each instance as my credit worthiness has been damaged because of this mistake. My account is not 30 days late and never has been this error could jeapordize a much needed home loan that I am in the process of.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (CA)

To Whom It May Concern : I noticed in my consumer report there is a collection account Radius reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681. 

The collection company that is reporting this fraudulent information is Radius I do not own this account, nor do I have any knowledge of this account. Radius is violating my consumer privacy rights. 

Im requesting that Radius cease and desist from reporting fraudulent information to all three major reporting credit agencies.

In addition Radius is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. Radius is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudulent, and illegally practicing debt collection in the state of California that Radius is not licensed or bonded to do so. 

I hereby assert that XXXX XXXX debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation Radius to pursue damages and ensure accountability for their actions. 

I am formally requesting that Radius promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 

Account number : XXXX I look forward to your prompt response, Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

There was unauthorized transaction in my account for {$2000.00} via Amex Send. I have never used this feature and immediately reported to American Express fraud department the same day I noticed the transaction. They were able to refund some of the charges except the {$1300.00}. I reached back to their fraud department numerous times but my call kept getting dropped after they put me on hold. They keep telling me that I am liable for the remaining charges although I was not the one who made the transaction. Could you please help me with this matter? They just charged me late fees for not paying this charges. I have no other transaction in the card except this fraudulent ones.
Consumer complaint received 2023-01-07
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. (IN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1994 ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00}.
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (CA)

Someone used my identity to apply for credit cards with XXXX XXXX. I mailed XXXX XXXX  2 letters asking to remove the unauthorized inquiries, but they refuse to do so.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC (VA)

Confusing or misleading advertising or marketing. Down payment tactics, which are illegal High-pressure sales tactics. First time sales indivdual from " No hassle '' car lot. 

Credit denial. Denied multiple attempts. 

Problem with additional add-on products or services purchased with the loan ( pressured to buy products you did not want ) XXXX XXXX  . 

Changes in terms mid-deal or after closing. 

Problem with signing the paperwork. 

Loan opened without my consent or knowledge
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trident Asset Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Account Number : XXXX Cease and Desist Communication and Remove Account from Credit Report Dear Trident Asset Management, This letter serves as a formal request to cease and desist all further communication with me regarding the aforementioned account number. I demand that you immediately halt all phone calls, letters, emails, and any other form of communication. 
Furthermore, I request that you remove the collection account associated with the aforementioned number from my credit report. I believe this collection is in violation of my consumer rights : * Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

* Consumer ( myself ) have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) * Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Please provide written confirmation of my request to cease communication and remove the collection account from my credit report within 30 days of receiving this letter. 
If I do not receive confirmation within the specified timeframe, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am a consumer by law, this has not been submitted in error. 
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 U.S.C 1681. 

Inaccurate Name : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inaccurate Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inaccurate Address XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Account Name1 : XXXX  - Acct # XXXX Have violated my rights Account Name2 : XXXX XXXX - Account number : XXXX Have violated my rights Account Name3 : XXXX XXXX  - XXXX Acct # XXXX Have violated my rights Account Name4 : XXXX XXXX - Account # XXXX Have 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 : 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 make any consumer report containing any of the following items of information,, other than records of convictions of crimes which antedates the report by more than 7 years 15 Y.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 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I was furnished a copy of my credit report from Equifax and found incorrect information on my report from a company labeled as XXXX with the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I sent them a letter on XX/XX/XXXX via certified mail that I have attached to this complaint requesting validation of the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I received my letter back, unopened, marked returned to sender because the address they were reporting to Equifax was no longer valid and they did not have a forwarding address on file any longer. 

On XX/XX/XXXX, I sent a letter that I have attached to this complaint to Equifax via USPS certified mail that was received by them on XX/XX/XXXX confirmed by the certified tracking number. The letter was sent with a photocopy of the undeliverable mail with the address that was furnished from XXXX to Equifax. On XX/XX/XXXX, I received notification from Equifax that the results of my dispute were in and that " the disputed item is not currently reporting on the Equifax credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL '' and that " we verified that this item belongs to you. '' Attached are copies/screenshots of Equifax reporting the account disputed with the address that was mailed to and returned due to being incorrect, the letter that was mailed, the returned mail back to me, my letter to Equifax, as well as their correspondence back to m, and my information to verify myself.
Consumer complaint received 2022-03-25
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. (OH)

XXXX said that I had a late payment and did not. I was notified by XXXX  that I never paid my bill on time. After they researched my account they found out I tried to pay it and the agent at XXXX didnt do their job right. XXXX reversed all my late charges and apologized. I disputed it with the credit bureaus after XXXX said they could do nothing. XXXX is still reporting that I am late
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I need XXXX blocked from reporting on my credit. 
Also need XXXX XXXX  block from reporting on my credit, I was identity thefted. And I do not have a balance with either account. I've never had balance on XXXX XXXX, and what I ordered on XXXX I paid out time and all amount owed hat balance in not mine. I need the accounts removed and the companies BLOCKED due to identity theft. Theses accounts are fraudulent.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (PA)

This is about both my new savings account and my new checking account, but this system only allowed me to choose one account. 
I opened new savings account XXXX and new checking account XXXX and tried to link them to my XXXX XXXX  account. But XXXX was unable to verify the accounts. I phoned Citi and spoke with XXXX on XX/XX/XXXX ; he confirmed that my accounts were open and said he's email me a letter that I could send to XXXX, stating that these are my accounts. However that was over a week ago. I have not received any emailed letter, so I am still unable to link the accounts to my XXXX XXXX  account and thus unable to fund the accounts.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAM National Arbitration and Mediation (MA)

First I was receiving automated messages with no file number. Then I started receiving calls from someone identifying herself " Miss XXXX '' keeps calling. She has called at least 20 times over the past few months. At first, the calls were coming from " XXXX XXXX '' XXXX. I answered a call about a month ago, told her I recognized this to be a scam and to stop calling me. The calls have continued. Then today she called and left a message from a " Private number ''. The message i received was as follows " Good morning mr **, ** sir, this is XXXX XXXX from global international calling to notify you mr ** that they are in the process of pulling files from us, your file is one of them please sir return my call today upon receipt of my message. your case is already prequalified for forgiveness **, mr ** my direct number in my office is XXXX please sir ask for XXXX.I 'll be able to assist you. mr ***, ** sir, when you call mr ** sir, please have your case number ready. have please reference your case number XXXX that's XXXX. XXXX mr **, ** sir, if i am unsuccessful to contact you, they are going to pull this case from me, they have the proper protocol to try serve you at your residence or even place of employment please mr ** return my phone call. my number is XXXX and please sir, ask for miss XXXX. thank you ''
Consumer complaint received 2020-06-19
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. (CA)

I applied for a XXXX XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.
Consumer complaint received 2023-01-07
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1994 ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00}.
Consumer complaint received 2022-11-07
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. (CT)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX