davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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. (CA)

USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon challenging XXXX XXXX XXXX - XXXX ; account XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with Transunion they have verified this same account as accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but Transunion has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and American First Fin ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX- to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act 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 2022-05-31
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. (TN)

In accordance to the Fair Credit Reporting Act, The XXXX Bank account has violated my rights. they are reporting a balance of {$250.00} on all 3 of my credit reports. As the account was closed/charged off over a year ago, I should not have a balance reporting on my credit report.
Consumer complaint received 2022-10-13
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 Accounts # Creditor Names 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 a account without my written instructions.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

In accordance to the Fair Credit Reporting Act, The XXXX Bank account has violated my rights. they are reporting a balance of {$250.00} on all 3 of my credit reports. As the account was closed/charged off over a year ago, I should not have a balance reporting on my credit report.
Consumer complaint received 2018-09-29
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. (NY)

I have contacted Experian, XXXX, and XXXX about a collection on my account that the agency XXXX  XXXX  deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.
Consumer complaint received 2022-06-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FIRSTBANK PUERTO RICO (IN)

FIRSTBANK FLORIDA 4 6 POTENTIALLY NEGATIVE MONTHS Balance details Balance on XX/XX/XXXX Original loan amount {$19000.00} Account info Account number XXXX XXXXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have requested an update to my information on the credit report, but so far, I have not received a response. I have sent the requested documents, but I haven't received any replies. I only have an ITIN number, and I received two reports, one of which has no SSN information, and the other includes an SSN that does not belong to me. My ITIN is XXXX. I have attached all of my information.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

False advertising for credit card bonus mile I have Capital one Venture X card and it had a protomion for earn XXXX bonus mile once I spend XXXX in first 6 month. 
Credit card app has a tracker for your bonus showing how much I spent and how much to go. for last two days before expiry date, i did spend the balance. I did not know that the purchase made on last day wouldn't be counting for this spending. 
Now they are saying the amount needs to be posted on the account to be considered as a spending. 
What is the point of having a daily tracker on your app if it doesn't reflect the amount real time and do not have notation saying only posted amount will be considered for the spending. it only shows that offer expries XX/XX/22. Tracker updates daily with spent $ and to go $ I feel like spent over XXXX USD for nothing. 
Can't belive they can't extend a week to reflect those last day spending on my account in consideration or consider those spening in calcuation. 
This is very misleading and if I knew that those were not be considered, i would have made a purchase much earlier ( XXXX says some purchase can take a week to be posted ) or not spend it at all.
Consumer complaint received 2018-09-29
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: Navient Solutions, LLC. (CA)

I borrowed some money to pay for my loan students balance with Navient. I was given a pay off amount of XXXX a check for that amount was sent to pay off my balance. The check was received and cash on XX/XX/2018. The balance never cleared from the XXXX, XXXX until XX/XX/XXXX. I kept calling the company wondering why the balance still the same, they kept telling me that the check was not sent to them and probably was sent to the wrong address. I called the bank that issued the check and said that check was received and cashed on XX/XX/2018. I sent a copy of cashed check provided by the bank the week of XX/XX/2018. I called again and said to the person who answered the call that why the check was cashed if it went to the wrong address, kept blaming me and said if you send the check to the wrong address. I said i sent the check to address provided on the website that say it is for borrowers only. today XX/XX/2018 i checked Navient 's balance and there is a balance of {$170.00} i called right away and asked for an explanation, i spoke with XXXX ( XXXX ) and he said that that was the interest that i owed from the time of XX/XX/XXXX to now, but the check that i sent with the pay off balance amount was cashed on XX/XX/2018. I can not pay interest on a money that i did not owe. If the check i sent was cashed on XX/XX/18 by Navient why I still owe money four weeks later after sending the payment?
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One is not helping me with my dispute. They continue dropping my claim stating that they don't have sufficient documentation to start the claim. I have provided every single document that they asked me for to prove that I'm entitled to a full refund. They don't want to take the initiative to help me. I tried to resolve my problems several times with the merchant ( XXXX ). They have very poor customer service and they don't want to deal with me. This is why I've opted to go through my credit card company and submit a dispute through them instead. I have all the documentation that I could forward to you in order to validate my claim per your request. 

Thank you
Consumer complaint received 2017-07-29
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. (GA)

On XXXX/XXXX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors.
I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (UT)

I have been contact by phone several occasions XXXX at XXXX XXXX  XXXX, XXXX at XXXX XXXX  XXXX. I called back at XXXX XXXX  on XXXX. I tried to call back with my spouse on the on XXXX at XXXX XXXX  XXXX  the call immediately answered with no dial. I hung up the phone they called back twice at XXXX and XXXX XXXX  XXXX. They called back at XXXX XXXX  XXXX again and also at XXXX XXXX  XXXX. I received a voicemail from them on XXXX. They have also emailed me documentation of the debt collection. They have claimed that I have been sent documents in the mail. The individual on the phone knew my full SSN and a previous address I resided at and also my current address. They said that the financial institution tried to contact me but I have not yet received that information from the banking institution which is Wells Fargo. On the XXXX phone call when I called back to try and dispute this and move forward they offer to take 25 % off the owed amount to settle the debt. I told the agent over the phone that I did not feel comfortable giving my card info over the phone and I wanted to consult with my spouse first. The agent became very insistent on getting me to pay right there on the phone they even said they would stay off the line. The agent then threatened to send this to the XXXX and have it go to my credit report. They said that this case needed to be off their desk and they have already informed me and could proceed now to send this to a judge to issue a judgment and report to my credit bureau. They said that they were providing mediation. Both agents I spoke to on the phone the name of the first agent was XXXX the second one did not share his name. They both had an accent from XXXX. They also emailed me a document with the amount owed. I still have that email and I tried to verify the address that they provided which is a non-operating US office space and the phone line does not dial is specifically calls and the person picks up. I have both numbers that the agency tried to contact me. I have tried to print the email sent to me and it will not let me print it stating that it has been deleted so I took screenshots of it.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I May or may not be part of the XXXX credit information hack. I can not be certain since its been shown reliably that the XXXX  verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like XXXX XXXX have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is astounding.. Thank you for taking time to read my complaint.
Consumer complaint received 2019-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Collections, Inc. (TX)

I am a victim of identity theft and noticed a collection from Express collections. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Express collections in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my dissatisfaction with the handling of my previous requests to remove fraudulent items from my credit report. Despite multiple attempts, these fraudulent entries persist, causing significant distress and potential harm to my financial reputation. 

I have diligently followed the procedures outlined by your agency to dispute inaccurate information. However, despite providing ample evidence of the fraudulent nature of these items, they continue to appear on my credit report. 

These inaccuracies have serious consequences for my financial well-being, affecting my ability to secure credit and impacting my overall creditworthiness. Furthermore, the persistence of these fraudulent entries reflects poorly on the credibility and reliability of your agency 's reporting processes. 

I urge you to take immediate action to rectify this matter by thoroughly investigating each disputed item and promptly removing any fraudulent entries from my credit report. I expect a timely response acknowledging the receipt of this complaint and outlining the steps that will be taken to address these issues. 

Please understand the urgency of this matter and the importance of restoring the accuracy and integrity of my credit report. Failure to resolve this issue satisfactorily will leave me with no choice but to seek legal recourse to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit repert. It is my understanding that you will recheck these items with the creditor who posted them. 
I want the CFPB to publish this description on consumerfinance.gov so that others
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened an account with capital one in XXXX, my payments were made on time for a complete year. I fell short in income from being in college, and also becoming XXXX in XXXX. I spoke to a representative regarding what took place in my life. I made every payment I could when I had funds to do so. My account still fell behind 120 days. I never received a call, email, or letter regarding collections, even after speaking to someone about a payment arrangement for {$500.00}. In XXXX I was able to start back working, and made capital one my first priority to pay off anything owed to them. The account was paid in full and closed. I have tried reaching out to this agency numerous of times asking for forgiveness, and all late payments to be removed. It is causing myself and my child to not go forward with finding a new home and car, do to every one denying me over a one time late payment, that was taken care of. Despite that this company has my name spelled wrong and also input my social security number wrong, I have still tried to work through this issue
Consumer complaint received 2019-10-17
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. (NV)

XXXX refuses to remove invalid creditors from my credit report which has decreased my credit score the creditors in my credit report not mine and has been placed on my acount incorrectly and invlid.
Consumer complaint received 2022-05-31
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.