davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have had my Capital One credit card since XX/XX/XXXX - it was the first credit card I opened and thus has my longest credit history ( 18+ years ). I received an email from Capital One on XX/XX/XXXX that they closed my account on XX/XX/XXXX due to inactivity. I received no advanced notification that they would be closing it on the XX/XX/XXXX. I received other email communications from them during this time ( offers and my monthly credit card statement notification showing a {$0.00} balance ) but nothing mentioning a XX/XX/XXXX account closing date - had I been notified of this 3 year rule or of the upcoming XX/XX/XXXX closure, I would have used the card to avoid it from happening. I talked to Capital One today and they told me that they can not reopen my account and I have to apply for a new card, thus erasing 18 years of good credit history. They stated that this is their business practice and it just feels wrong. I should have been warned that this closure was coming ( & thus be given an opportunity to take action to avoid it ). Further, to be notified six days AFTER the closure has occurred does not feel like an appropriate way to conduct business, especially when it impacts someone's credit history so drastically. How can Capital One send me emails about special offers and and my monthly statement but fail to mention in any of these communications that you are about to close the account?
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (IL)

In accordance with Fair Credit Reporting act Acceptance Now account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX  XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Bankruptcy Chapter 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 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with Fair Credit Reporting act Acceptance Now account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX  XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Bankruptcy Chapter 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 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  sold my account to XXXX XXXX!!! 
Therefore XXXX XXXX  also charged off the account XXXX Which means they owe me an XXXX!!! 
XXXX, rep XXXX stated, they decided not to deal with the collection and closed the account!! ( XX/XX/year> ) Therefore 2 situations that verify the Removal of XXXX XXXX!!!
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have amassed an excessive amount of inquiries in my credit report, and I do not recognize the majority of the inquiries. When I disputed them with the credit bureaus, they told me that I had to provide documentation to prove that I never authorized these companies to pull my credit. Well, of course I cant provide any documentation because none exists! I do not know these companies. The credit bureaus are not monitoring our credit, they are holding it hostage and refusing to remove invalid items. They will respond to you that they have acted within the their legal rights or something, but they will not resolve the situation. As a business owner, this is a big deal to me and has already cost our company a time sensitive chance for expansion that was worth millions, all because they cant keep their servers secure and expect me, a consumer, to provide documentation to correct their errors. But they sure want to charge us to view our own credit profile. The entire system is a joke and is not designed to help correct errors on credit profiles. They even sent me a letter acknowledging that my profile was suspected to have been affected by their data breach. They need to be regulated heavily since they handle such sensitive information that affects us.
Consumer complaint received 2022-02-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-29
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. (KS)

XX/XX/2018 i sent request for validation and method of verification to Experian XXXX XXXX  XXXX, XXXX, TX, XXXX to dispute a Bankruptcy on my credit report and Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. i sent 3 letters with all different violations Experian has been in violation of i have not received information or original documents from verification process. Also the courts said they don't verify information with 3rd parties after i wrote them but experian still find ways to say they verified this information quickly through 3rd parties.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I requested my Disclosure from XXXX Pursuant 15 USC 6802 ( b ) which was not provided to me as per federal law. The law is explicitly clear that before a financial institution discloses any consumer nonpublic personal information, they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. I also requested any documents and disclosures sent over from XXXX to the credit reporting agencies and they did not provide me with anything. I stated what happened requesting my nonpublic information be deleted from my consumer file, I was told to send in a dispute letter which I did yet all the accounts are still being reported on my consumer file which is against federal law. 
I AM ENVOKING THE SPECIFIED REMEDY THAT I PREVIOUSLY DENIED WITH HOLDING MY DISCLOSURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having the account with my nonpublic personal information reported.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (FL)

Wells Fargo has incorrectly marked my XX/XX/XXXX personal Credit Report as 30 Days late for XX/XX/XXXX. My statement date ( which is supported with credit card monthly statement ) clearly shows the statement dates of XX/XX/XXXX to XX/XX/XXXX. 
- The payment while late, was received on XX/XX/XXXX in the amount of XXXX, which covered the past due account. I was justly charged a past due late fee, but the payment was received exactly 28 days late. Not 30. Therefore the it is inaccurate and must be removed. 
- My payment Due date is not my statement billing period. Statement Billing period determines the credit reporting days of delinquency. I have attached my monthly billing statement for your review. 
- Please review the account, as a mere count of the calendar days will show the error and quickly resolve this dispute.
Consumer complaint received 2022-02-04
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 


This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion.I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} / XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$100000.00} / XXXX  XXXX Date opened XX/XX/XXXX Balance {$22000.00} / XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} / XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} / XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX dismissed Filed on XX/XX/XXXX Reference number : XXXX / XXXX XXXX XXXX  discharged Filed on XX/XX/XXXX Reference number : XXXX / XXXX XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2022-02-23
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. (NY)

I am so bewildered about this situation. I've submitted this complaint XXXX  times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  A XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am so bewildered about this situation. I've submitted this complaint XXXX  times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (NJ)

This School was shut down and never reopened due to staff signing -promissory notes and defrauding the students. I believe they are under investigation. I fell this is very unfair and i demand some relief with my student loans that were handled by this carless, stealing, staff!
Consumer complaint received 2022-02-04
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. (AL)

I am submitting this complaint on behalf of myself. It is sad that the credit reporting agencies can flat out violate the federal law like this. After several calls to XXXX, Transunion, and XXXX and the reps hanging up in my face I am here to get resolution. This is a direct violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.. I not once gave the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I will be be taking this to the next level if this is not corrected. It clearly states that once I notify each credit report agency of any error it is to be removed and corrected. I am the consumer and I am the person to identify this information for validation. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (RI)

I received a Money Lion debit card in the mail yesterday ( XX/XX/2021 ) that I did not order, request nor open in person/online. The debit card had an activation tel. number affixed to the new debit card. I went to their website and called XXXX which is their complaint debit card tel. number that is advertised. I spoke to a " XXXX '' who asked me for my last 4 digits of SSN or DOB. I reluctantly gave him my last 4 digits of my SSN and told him repeatedly that I did not open the account tied to the debit card received nor any other accounts with Money Lion. I also did not ever activate nor give anybody at Money Lion permission to activate it during the course of my telephone call. 

I suspected this was opened by the same perpetrators who filed for a fraudulent RI Unemployment Benefits under my name on XX/XX/2021 ( I already filed a RI State Police report on this incident ). XXXX @ XXXX XXXX said he would close the account, but did not give me any details of what was opened using my name/address/identification or how many financial services were opened at Money Lion. XXXX also instructed me to cut up the card. I gave him my email address to send me confirmation of the account closure, which I did receive after the call was concluded. 

Prior to contacting Money Lion on the phone, as indicated above, I filed a local police report on the matter of the debit card received ( i.e. financial identity theft ). The police officer said he would log my report, but would not have it completed in writing for another couple of days - he recommended I contact Money Lion regardless, which I did.
Consumer complaint received 2015-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

Hello, I have attempted to dispute the account the collection agencies who have taken an account to collections with XXXX credit bureaus in the amount of {$610.00}. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent XXXX letters of validation to which I have receipts for and they have failed to respond to. Not only is it XXXX company disputing the same debt in collection but it 's XXXX different companies disputing it in different credit bureaus. I will be filling separate complaints to both companies. I am reaching out of your help because as a last resort before I reach out to my attorney. Please help me and I appreciate your time.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-23
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. (NY)

I have a loan with the accounts mentioned below. The current statuses should not be showing late because I always made my payments on time. TRANSUNION lacks proper record keeping. These accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX LOAN MGMT SER XXXX
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (NY)

I have a loan with the accounts mentioned below. The current statuses should not be showing late because I always made my payments on time. EXPERIAN lacks proper record keeping. These accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX