davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC (CA)

Some one keeps calling my work number, my son 's cell phone number repeatedly at all hours. Saying I was getting sued. Leaving a call back number XXXX which I looked up and is a known scam listing the same details they give when they reach my work or my son 's phone number.
Consumer complaint received 2023-02-16
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. (GA)

No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.
Consumer complaint received 2023-08-24
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 (GA)

I am writing to seek your assistance regarding a concerning matter involving Capital One 's apparent disregard for consumer protection regulations and my rights as outlined under U.S Codes : 15 U.S. Code 6801 and 15 U.S. Code 6802. These codes address the Privacy of Consumer Financial Information and the Protection of Nonpublic Personal Information. 

I, XXXX XXXX, exercised my legal rights by submitting two simple requests to Capital One : one for validation and another to exercise my right to opt-out of their use of my personal information. Regrettably, I have received no response from Capital One acknowledging these requests. This lack of acknowledgment and compliance makes me question their respect for both the regulator 's authority and federal laws designed to safeguard consumers. 

Due to their lack of response and apparent non-compliance, I am left with no choice but to consider legal action to protect my rights. My credit and personal information are important to me, and I am willing to take necessary steps to ensure their security and proper handling. 

I kindly request your intervention in this matter. Specifically, I would appreciate your assistance in prompting Capital One to officially remove my personal information from their system and to provide a timely response to your esteemed bureau indicating their compliance with this request. 

Your prompt attention and involvement in this situation would be greatly appreciated. Thank you for your dedication to consumer protection, and I look forward to your support in resolving this matter.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On XX/XX/2024, a notice of dispute regarding incomplete account information was delivered to EQUIFAX. EQUIFAX was given more than 30 days to reinvestigate the dispute letter, and this was the second attempt to dispute with EQUIFAX. Both times, EQUIFAX IGNORED my dispute attempts. Nothing at all was disputed and this is a violation of the FCRA 15 USC 1681i ( a ) ( 1 ) ( a ). This complaint is now about the fact that they violated my right by ignoring me twice. It is both unfair and negligent. By law, consumer reporting agencies are required to respond to disputes immediately when the letter has been received. I have proof that my dispute letters have been received by EQUIFAX.
Consumer complaint received 2023-08-23
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-18
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Consumer complaint received 2024-03-08
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. (NC)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

I have spoken to Citibank/Macys several times and was told the debt was sold to XXXX XXXX XXXX . I called XXXX XXXX services back in XXXX of XXXX, then again in XX/XX/XXXX and again on XX/XX/XXXX and was told each time that they are no longer collecting on this debt and they can not take any payments, that the debt has been closed out and discharged. I was told they were going to remove the negative remark and reported balance on my report since they would not allow me to make a payment to satisy the debt. I was told it would be done in 30days and if it was not done by XX/XX/XXXX that I am to file another complaint with CFPB so that is what I am doing. Last representative that I spoke to was XXXX with ID # XXXX and she assured me these items would be removed from my report.
Consumer complaint received 2022-05-18
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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
Consumer complaint received 2023-08-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

NFCU was working with me at a time while working, recovering from XXXX XXXX XXXX and returning from a leave of absence on XX/XX/XXXX at my work. I was diagnosed with XXXX XXXX XXXX by the VA during that time and had many appointments and therapy resulting from conditions aggravated or beginning from the XXXX time period. 
Come to the payments for my home for XX/XX/2023 and I was unable to keep my agreement for half payments due to curtailment of income from illness and lack of work hours from said illness and appointments. Then a sudden trip to the emergency room to discover another underlying illness exacerbating the pain from an illness I am scheduled for XXXX for. 
Working with NFCU since late XXXX when NFCU escalated the loan to demand remedy, the only option presented was short sale, not an offer of special forbearance or any other method. The foreclosure is set for XX/XX/2023. The examiner for the mortgage loss has repeated asked me to have my employers XXXX and my VA XXXX XXXX XXXX unethically change the return to work date to a longer period before the first exam after the XXXX. My employer requires release to work to be determined by the XXXX XXXX XXXX XXXX has to review me after the XXXX to confirm I can go back to work or extend the leave at the time of the first XXXX XXXX  appointment. 
I have not had this requested on my prior XXXX with this same loan. I have not ever experienced this unethical behavior with either of my XXXX prior home loans.
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (PA)

This company contacted me illegally with my personal information stating that I owed them a debt, they did not provide written consent to contact me or furnish my private consumer information to consumer reporting agencies, they violated my rights, please do not contact me about debt that is not mine, I did not sign any contracts with this company for credit.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (KY)

On XX/XX/23 Sequium Asset Solutions reported a collection in the amount of {$1400.00} to all 3 of my credit bureau. This account is a result of XXXX account that was opened as a results of Identity Theft in XXXX Tx. A state I do not live in. I was first notified of the XXXX acct in XXXX at which time I took action and filed a police report with XXXX XXXX Police Dept . Report # See attached forms. I also filed a complaint Report with the Federal Trade Commision. Report # See attached forms. 
I also had to fill out a XXXX Affidavit -See attached. That stated that this was not my account and was a result of Identity theft!! 
The first collection agency that had this acct XXXX  in XXXX Tx removed the false acct and that is when Sequium picked it up 5 months later.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I had all 3 credit bureaus unfreeze my accts on the same date in XX/XX/XXXX. I only needed 3 days. XXXX and XXXX refroze the account w/I the 3 day timeframe just as I had asked. I discovered this today XX/XX/XXXX through the XXXX website. 

I immediately contacted Equifax to have the account refrozen. However, I am unable to access the Equifax account. I no longer have the email address or the phone/phone number. My physical address isn't the same either. If Equifax had done what I had asked it to do in XXXX, this problem today would be non-existent. I jumped thru Equifax demands, answered it's questions correctly. My cell phone was unable to grab the XXXX nor upload my XXXX. It had something to do with opened apps that have camera access. I have denied camera access yet learned that for the most part the apps with camera access are grayed out which means that as a consumer, I have absolutely no control over those apps. I am a XXXX XXXX customer. Those XXXX apps were predetermined by XXXX. At best, I can merely disable them. There is no way that I can delete them although I have done my best to do so My interest here is for Equifax to Freeze access to XXXX acct. 

Thank you CFPB!
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2023 I went to a car dealership in XXXX, XXXX. to purchase a vehicle, I was unaware that after me being declined with the first bank, That this dealership would continue to shop my credit around to other lenders without my knowledge and after I had long left their place of business .The result of the auto dealer practices have caused a unnecessary burden on my personal finances and my business finances, I walked into the dealership with a XXXX credit score and awoke the XXXX XXXX to a XXXX credit score.
Consumer complaint received 2024-03-09
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. (NC)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, and mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the inaccurate address and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-18
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. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

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 2020-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I did not receive any sort of communication from Convergent Outsourcing, Inc., regarding an unpaid cell phone bill being sent to collections. I did not know that I owed a balance when I closed a XXXX XXXX account. I received no communication from XXXX  or Convergent. I did not receive any communication asking me to pay the outstanding amount and then I didn't receive communication advising me of my rights regarding the account being handled by a debt collector. Now this is showing as a collection on my credit report. I found out about this debt from review of my credit report!!! I have received no information about how to dispute this debt. I do want to dispute the debt as I do not feel I owe the amount that is supposedly outstanding. But, I was never given an opportunity to resolve or dispute this matter before it was added to my credit report. I have no voicemail, email, or mailed letter letting me know my rights regarding this debt.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I submitted my application and was denied access to my unlimited credit. According to 12 USC 412 Application for notes ; collateral required Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

I wrote them about this and they still denied me.
Consumer complaint received 2023-02-08
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. (TX)

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is CITY OF XXXX XXXX. 
I paid off this account but its still showing that I owe a balance. 

XXXX account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX  XXXXXXXX XXXX XXXX  on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc (SC)

Venmo XX/XX/2023 My legal name was changed to my ID. I have all the documents saying that I changed it. So I wanted to change my name in Venmos records. My credit card says my old name and I wanted to change it. 

Venmo was very confusing and demeaning for my legal name. They said they cant update their system, so they told me to make a new account. They wont do it for me, they are forcing me to delete all the data I have on my account. This is unprecedented, every single financial institution changed my name. I had the proper documentation is thats all they needed.

I would like to find out if this illegal? Can they decline my request to change my legal name? I would really appreciate it. 

Thank you for your time, XXXX
Consumer complaint received 2023-03-14
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.