davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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. (FL)

Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to XXXX, Equifax and XXXX disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

The below complaint was marked as duplicate to avoid addressing it.. Complaint was filed as per advice from my attorney..Please see below.. As explained in numerous prior CFPB complaints, a close out check was intercepted by a third party while I was away on vacation, the amount of check, {$4200.00}, is remaining balance in account ending in XXXX, now closed by Capital One security intake team. A prior check for same amount had a stop payment placed on it prematurely by a rep with Capital One, sent on XX/XX/2018, received and deposited on XX/XX/XXXX. I left for vacation the morning of XX/XX/2018 at XXXX XXXX, second check which was intercepted was sent via XXXX 2nd day, an email was received from XXXX showing a package sent from Capital One while I was away. I was in XXXX XXXX from XX/XX/2018 to XX/XX/2018. When I arrived home, the package was nowhere to be found, I later learned check was intercepted by third party, a XXXX XXXX whom does not live here currently. She is an ex-wife of a cousin whom lived here prior to me moving in, she did not have consent to sign my name and cash check. She was in the area visiting a neighbor in another apartment and intercepted package. I have not received funds. As per advice from my attorney representing me in legal matter pertaining to Capital One data breach, I was told to advise CFPB and OCC she did not have consent to sign my name to check. Furthermore, according to my attorney, I am still owed the funds as again, consent was not given to sign my name to check. I learned of her signing my name by a manager by the name of XXXX with Capital One leadership team, he informed me check was signed and cashed by this person at a XXXX XXXX XXXX  which I do not have an account. Capital One rep by the name of XXXX XXXX has attempted and failed implying the person, XXXX XXXX, is my mother and lives here. She is not my mother and does not live here. Further, it appears she also attempted to imply I somehow received funds, which I have not. This account, ending in XXXX, was opened as a result of data breach as well as two credit accounts. There is disagreement with a Capital One rep by the name of XXXX as to this fact. However, my attorney agrees as well as several others investigating data breach. I have attached copies of checks issued by Capital One, three in total. Signature is different on one which was intercepted, the other two are signed by myself, Capital One seems to ignore this fact, will not examine signatures. I request Capital One reissue check for funds owed, as per advice from my attorney. Complaints marked as duplicate when they are not will be resubmitted to CFPB
Consumer complaint received 2023-02-24
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)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. The credit bureaus had 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2022-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX ( Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-12-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (UT)

their website will never work iv tried on two phones and a laptop and they simply refuse to set up auto pay over the phone after calling in multiple times and given different answer every time asking for a sup no one will help me set up auto pay and the site will not work either have tried multiple different days and still wont work
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' XXXX, Equifax, and XXXX have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.
Consumer complaint received 2019-01-18
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I try to apply for a loan through Credit Acceptance through XXXX XXXX   XXXX in XXXX PA I'm trying to own Virtues  Of All XXXX XXXX XXXX through credit exception got denied trying to purchase a cartoon XXXX   forwarding and XXXX got the nine got them you tried to apply for XXXX XXXX XXXX got the nine any new places here in XXXX  PA the XXXX XXXX XXXX and purchasing a vehicle all because of XXXX XXXX XXXX XXXX XXXX and some more and some other more with my real to talk to someone over the phone about it XXXX XXXX denied me of a XXXX XXXX XXXX or XXXX XXXX a XXXX XXXX
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I've been trying to get pre-approved for a mortgage. 
My lenders can pull all the credit bureaus other than Equifax. 
I have also try several paying services to review my credit with all the major agencies. I was succesful with all of them but Equfax. 
I called Equifax 8 times in 3 days. I spoke with customer service, supervisors and fraud department. Every time it's a different story. In the end everything seems fine on their end. 

I have submitted several times copies of my driver license, social security card and bank statement as a proof of address. 

I have spent almost {$200.00} to get my equifax credit report. Everytime I get something from them it shows as blank. Like I have no balances. 

I have no idea where to go after this. This is making impossible for me to buy a house.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

i wrote a letter to Equifax in XXXX Georgia requesting my credit report on XX/XX/XXXX. I am a XXXX citizen and i have created a USA identity as i do business in United States with an American C corp registered in XXXX XXXX, Nevada in XX/XX/XXXX. So i this wanted a Credit Card from the USA which i received. In receiving my USA credit card i used my XXXX Social Insurance Number and the number of digits is the same as an American SSN number. I called into the Head Office of Equifax requesting my credit report and was told about the situation that XXXX and XXXX have a credit file on me and have used my XXXX SIN  number and that i wanted to see what was on my credit report on Eqiufax as i believed there to be derogatory information, similar to what was on my XXXX Credit report. I wrote them a letter giving all my American EIN numbers, ITIN number XXXX SIN   number, and proof of my XXXX SIN  number which they asked for. Then On XX/XX/XXXX i followed up with them by telephone after receiving a letter from them dated XX/XX/XXXX and in this letter they requested that i provide them with US SSN number, drivers license and other forms of identification. I previously sent them my Bank Statement which shows my US address. Though i have moved from XXXX XXXX to XXXX when i called on XX/XX/XXXX i gave them this information and they still said that the information I provided to them did not match there records. Which is a hint to me that my Name was there correctly and that it is possible that the address they have on file is yes not anything that i gave them, and then conceivable that my credit file was compromised in the XX/XX/XXXX Equifax data breach. And now i am stuck and can not even see my credit report to try to correct any errors or inquire about what my score is. I do not know who to contact to reveal my credit report to me to actually see if in fact this is true. And by not being able to see my credit score and its contents i can not know how to repair the issues or dispute them.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I AM VERY UPSET OVER THIS ACCOUNT!!!! I HAVE NEVER BEEN LATE ON A INSTALLMENT ACCOUNT. EVERYTHING I HAVE IS ON AUTO PAY! PLEASE DELETE XXXX XXXX XXXX  # XXXX NEVER DONE BUSINESS WITH THEM UNKNOWN ACCOUNT JUST POPPED UP OUT OF NO WHERE????
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX, three checks were written from my account in the amount of {$600.00}, {$600.00}, and {$600.00}. The check numbers were XXXX, XXXX, and XXXX. On XX/XX/XXXX, two more checks were written from my account in the amount of {$800.00} each. These were checks XXXX and XXXX. All of these checks were not mine and were fraud. I filed a claim with Citizens Bank ( the bank which the account was hacked from ) on XX/XX/XXXX. The claim number is XXXX. Also on XX/XX/XXXX, I tried closing my checking account with the XXXX OH Citizens Bank branch. The bank tellers told me my account would be closed and that all attempts to take money out of this account would be put on hold. However, on XX/XX/XXXX, check XXXX was written in the amount of {$350.00}. On XX/XX/XXXX, checks XXXX for {$600.00}, XXXX for {$580.00}, and XXXX for {$520.00} were written. None of these checks were mine and whoever wrote them, spelled my name wrong on the signature line. I filed another claim with Citizens bank and that claim number is XXXX. I was told by multiple members of the claims department that an affidavit would be mailed to me and that I was to sign it and send it back to the claims department. However, the affidavit never came. I called the claims department on XX/XX/XXXX to have the affidavit resent to me and the woman I spoke to said she would have to email her boss to see if they can send another affidavit. She told me to call back Monday XX/XX/XXXX if the affidavit didn't arrive. The affidavit never showed up in the mail again. I called the claims department again on XX/XX/XXXX to ask for the affidavit to be sent out once again. This time the woman I spoke to said she would mail it out and that as soon as I get it, to have it notarized in the XXXX OH Citizens Bank  branch and then fax it to XXXX. This affidavit still hasn't come in the mail yet. 
I also have been charged multiple overdraft fees from my account due to these checks. I was told by XXXX of the XXXX OH branch that all of these overdraft charges would be refunded. On XX/XX/XXXX, {$1600.00} was taken from my savings account and transferred to my closed checking account to cover the overdraft fee. This transfer happened without my permission and I do not know who did this. On XX/XX/XXXX, I called the XXXX OH Citizens Bank branch and they did not know why this would have happened. 
I also have a paycheck that is still in my closed account that I can not transfer to my new account due to the fraudulent overdraft.
Consumer complaint received 2019-12-02
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. (FL)

As a frequent shopper at XXXX, I finally took advantage of their aggressive requests to open a XXXX charge to save 20 %. I spent {$330.00} and paid off the account the ext month. I thought the account was dormant until I received a debt collectors call stating I owed an additional {$6.00} and that had grown to {$59.00} with late fee 's. I paid and closed my account, but find myself with late payment reports on my credit report. This will affect my financial rating for years to come. 

I tired speaking with XXXX and XXXX XXXX  and they were not helpful at all. They kept repeating themselves that I need to call the credit bureaus to discuss. 

This is consumer deception at its finest and I hope cfpb can assist. All I want is for the delinquencies to be removed from my account. 

Thank you,
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (PA)

I have had an issue with AllianceOne collection company. The send me a bill XXXXhatI didn't recognize and that doesn't apply to me at all! 
I called on XX/XX/22 and asked to speak to a manager, after conversation with the representative by name XXXX XXXX, which was rude and obnoxious - I was told they only have four managers and they were all busy and someone will call me back by end of the week. On XX/XX/22 I received a call- the individual did not give me a name, the first thing I was told was that the conversation would be recorded. She never provided her name, company name she calling from, and spoke to me like I was inconveniencing her- one of the worst customer service experiences. I explained my issue- I had a working XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, but for some reason their transponder or accessories did not successfully withdraw money from my account when I went through a toll. 
The toll was {$16.00} but bill with all fees {$66.00}, ( Two bills one with account number XXXX, for {$66.00}, and the second one with account number XXXX with same amount {$66.00} ) she told me she would give me a {$20.00} discount and I would need to pay {$46.00} due to administrative fees. 
I told her I have proof that I had a working XXXX account and I can provide a copy of my bill that I had a working XXXX. Plus, before that, I contacted many times with The XXXX XXXX XXXX XXXX XXXX XXXX, and several times answered all letters from them and filled out special forms with dispute about my payments, but these agencies did not answer me anything to my disputes and transferred information to the collection service AllianceOne. 
She did not pay any attention to any of my arguments and continued to squeeze money out of me that I should not pay in a very rude manner. 
I asked, why I should pay money or some kind of fine due to the fact that the equipment of the XXXX company can not withdraw money from my transport, or have technical problems that day?! 
Representative of the collection service " AllianceOne '' told me that if the case got to them, then I am obliged to pay and not accept any arguments... 
It's just extortion of money from customers! 
Unfortunately, in our country and the protected pandemic, many citizens have problems paying for travel through XXXX, and some of our fellow citizens do not have XXXX accounts at all, and if companies like AllianceOne allow themselves at this difficult time, it is not legal to extort money from our fellow citizens enrich themselves at their expense.
Consumer complaint received 2022-04-23
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. (CO)

Account XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 2019-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (VA)

I spoke with XXXX XXXX asked for his employee number he stated I could only receive his extension which he gave as XXXX I told Mr. XXXX I was calling to dispute the debt for which I was sent a pre legal notification letter for. I told him I wanted to know about disputing the validity of the debt and the conversation escalated to the point where Mr. XXXX stated that I would remember this conversation. I felt that the manner in which he said that statement it conveyed a serious threat. I asked to speak to a manager which we went back and forth then he placed me on hold however I could still hear him typing he came back and said a manager wasnt available then we talked more and he tried to explain how he meant what he said about me remembering the conversation however I truly and sincerely believe that he meant it in a hostile threatening manner and it made me fearful and uncomfortable. The call ended by him saying he would dispute it. This happened on XX/XX/2019 at approximately XXXX XXXX  eastern time
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The investigation took longer than 30 days. I have attached my dispute letters I sent to XXXX, XXXX and XXXX which date my first letter to XX/XX/XXXX  and my second letter to XX/XX/.
Consumer complaint received 2023-02-26
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. (OH)

I have been trying to work with the agencies that are continuing to report wrong information on my credit report. I know I have every right to dispute these accounts that is severely hurting my credit and preventing me from purchasing a home and a car. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-18
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: Experian Information Solutions Inc. (LA)

I am filing this complaint form because Experian, has ignored my request to provide me with documents that their company has on file that was most likely used to verify the accounts i disputed previously. Being that its been pass the 30 day mark and cant verify these accounts, under Sec.611 ( 5 ) A of the FCRA : They are required " to promptly delete all information which can not be verified " that i have disputed off my account. Please resolve this manner as soon as possible. Thanks
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.