davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
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 (CA)

I submitted a claim here on CFPB for CapitalOne on XX/XX/19 to reinstate my card. I was contacted by a XXXX XXXX shortly after my claim. I choose to contact CapitalOne today XX/XX/19 to check on the status of my request and they mentioned they have declined my request. They also indicated that they contacted me letting me know that my request had been declined, however this never took place.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I'm beginning to realize the CFPB is of no real help. 
Capital One continues to lie to you, and you accept it and close the complaint down. 
This time they actually added stuff about some sort of veterans information needed and my active duty status. 
I was in the XXXX XXXX, two years XXXX and 4 years inactive, back in the early 1970 's. 
I have perfect credit. They are just descriminating against me because of my age. 
because I can't figure out any legitmate reason for their actions. 
I found out that XXXX XXXX XXXX has the same product. I went to the local branch and they approved me 10 minutes. 
This has dragged out for months now. It's a shame how Capital One is making you look pretty foolish. 
You asked if I was a veteran. All of a sudden they put in on my credit application as if I wanted it to be considered. I never wanted it to be considered.
Consumer complaint received 2022-12-01
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-26
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)

To whom it may concern : In XXXX, 2018. I disputed Bankruptcies being reported on my credit report by the Bankruptcy Courts. I provided a letter to XXXX, Equifax and XXXX that I received from the Bankruptcy Courts which states ; The Clerks Office does not provide information to credit reporting agencies. After there investigation the Bankruptcies were removed because the information reported could not be verified by the Bankruptcy court. In XXXX, 2018 the Bankruptcies reappeared. I deputed these items again but the result of the reinvestigation states ; The information reported was verified by the Bankruptcy Court which in fact it could not have been based on the letter that was provided to me by the Court. which I have attached a copy to this complaint to be verified. I ask that you please look into this matter to have these item removed permanently. Thank you for hearing my complaint.
Consumer complaint received 2022-01-12
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$8900.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00}. Inquiriy : XXXX XXXX XX/XX/XXXX.
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/23 Capital One approved my card application, but refused to accept my data, denying me access to online login, leading me to believe my data was mishandled. 
Close account immediately as card never received nor activated. XXXX XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have contacted Equifax, XXXX, and XXXX every month disputing negative items that always bring my credit score down and I am in the middle of purchasing a home. I am a XXXX XXXX   veteran with nothing to my name and I am sick of it. These credit agencies will not fix errors even after I send them legal documentation signed by a judge stating I am not responsible for these following accounts, but they violate the FCR laws by always reporting what the creditor tells them to report instead of acting whats in the best interest of the consumer. So if I have a legal document stating I am not responsible I ask them to remove the accounts from my credit they so call investigate the creditor tells them dont remove it ... they do not follow guidelines they act on behalf of the creditor and keep reporting me negatively and I am so frustrated with them they are extremely rude over the phone and they do not seem to listen. They are wrongfully reporting I have three XXXX XXXX  accounts with arrearages totaling over a freaking {$43000.00} when I only have 2 accounts Ive asked them to remove the duplicate account for 3 years now and it has not been removed. I have 2 eviction collection accounts, 2 bailsbonds accounts, 2 credit cards that they still have not removed and the companies are no longer able to collect because it is way past the statute of limitations to collect. And I am not even responsible for them someone else is, but these creditors still keep reporting to the bureau and the bureau still goes against FCRA laws and reports it anyway. I pay all of my bills on time and I not supposed to have nothing but 2 accounts on my credit. My complaint is Im supposed to have a debt to income ratio below 43 % and credit scores up in the 620s/640s range but these credit bureaus seem to have a real big problem with reporting me accurately as if their main mission is to always keep my credit scores under 500 someone really needs to step the XXXX up and do something about these agencies. It is real scary having these agencies have total control over your life and credit. This is my third and final complaint and nothing has been done to remedy the situation my next step is to file a very hefty federal lawsuit for violation of the U.S.C
Consumer complaint received 2023-01-13
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. (NC)

Credit report are in violation of laws 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1666 - Correction of billing errors XXXXXXXX XXXX XXXX XXXX  Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

I recently applied for a discover credit card because my credit score has increased and I'm in a better financial space. It was denied and it says because of a previous status of an account. I have never had any services with this company before and also there is no record of this account on my credit report. 

I have reported this issue to them before and was assure that it was resolved and that I would be able to apply again and I received a letter being denied because of previous account status. 

If there is an account it was opened in fraud and not by me. When I called the representative the account was was closed and paid off this is not my account. I need your help in getting the credit card company to review what is going on...
Consumer complaint received 2023-04-04
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: Bridgecrest Acceptance Corporation (TX)

I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto Bridgecrest 's system. Bridgecrest says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with Bridgecrest, nor is bridgecrest in my contract. Bridgecrest is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. Bridgecrest was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with bridgecrest therefore I have no account with them. Bridgecrest refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with XXXX  contains no assignments and the consumer claim post is printed with additional endorsements,
Consumer complaint received 2022-10-06
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account numbers 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 consent.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX/XXXX  XXXX   XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX/XXXXXXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-10-06
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. (GA)

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NC)

I have contacted LVNV FUNDING , LLC for the past 6 months as it relates to an account they are alleging I owe and have placed on my credit without first validating to see if the account actually belongs to me. It does n't!!! 
They continue to ignore the notices that I have sent them but apparently they are advising the credit bureaus that the account belongs to me. 
Account Number XXXX
Consumer complaint received 2022-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My mother passed away on XX/XX/21. She had a 401k ( $ 150k ) and brokerage account ( $ 50k ) at Merrill Lynch. The 401k listed four children as beneficiaries. We provided the death certificate snd all other requested documentation and have been waiting months for the distribution. We were forced to open ML accounts that we did not want in order to do this. We have also not received the proceeds from the brokerage acct. I have called daily for WEEKS and keep getting soon or tomorrow or next week. Still nothing months later.
Consumer complaint received 2022-12-02
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXXXXXX XXXX XX/XX/2022.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

I paid off an auto lease in full with Ally Auto in XX/XX/XXXX. In XXXX, they reported to the credit agencies that my account was closed. One week later, ALL 3 credit agencies slashed over XXXX points from my credit score. All 3 agencies indicated this account was a settlement for less than the full amount. That is not correct - the full amount was paid.. I called Ally Auto on XX/XX/XXXX and discussed. My point is that all 3 credit agencies took the same action at the same time based on the report sent by Ally Auto. Only something in their report could have precipitated the same action by the credit agencies. I told their representative my expectation was that Ally would communicate with the credit agencies to correct my report. The rep told me their report only stated the account was paid in full, and it was my responsibility to fix the problem. I strongly disagree. I have no information I can provide the credit reporting agencies that will change their action. Only XXXX XXXX can speak authoritatively to how the account was closed and the wording in their report to the credit agencies. I am also appalled that the credit agencies have the authority to slash a credit score for one possible minor infraction. WOW!
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (CA)

I owe nothing to this company and no debt is valid. Any debt they allege is fraudulent and without merit. They are unable to produce any signed document evidencing a valid debt on my part and i have advised them of this fact is because of fraudulent activity.
Consumer complaint received 2018-06-27
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: Receivables Performance Management, LLC (NC)

Receivables Performance Management has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but Receivables Performance Management has verified the account has responded to the dispute as valid.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

On XXXX  XXXX  XXXX I received a letter from XXXX XXXX stating that a debt was sold to Portfilio Recovery Associates ( encl 1 ) I responded to Portfolio Recovery Associates LLC on XXXX XX/XX/2019, with 2 letters to 2 different locations with a request for validation of the debt, which included a full accounting of all charges ( encl 2 ). One letter was delivered onXX/XX/19 and the other XX/XX/19 Encl ( 3 ) and ( 4 ). Portfolio Recovery Associates did not respond until afterXX/XX/19 ( 35 days later ) with a cover letter dated XX/XX/19 ( encl 5 ), containing 3 statements with payment due dates of XX/XX/17, XX/XX/18 and XX/XX/18 ( encl 6 ) ( encl 7 ) and ( encl 8 ). The cover letter states that Date account opened provided by the seller wasXX/XX/17, yet none of the statement provided to me had charges from that date. The oldest statement was dated XX/XX/17 and shows a previous balance of XXXX ( encl 6 ). The most recent statement datedXX/XX/18 ( encl 8 ) had a commingled charge of XXXX which was said to be the value of the purchase of the debt. However, the charge appeared on a statement which was supposed to be proof of charges I had made and not a transaction between XXXX XXXX  and Portfolio Recovery. So far Portfolio Recovery Associates has responded beyond the 30 days allowed by law ( 15 USC 1692g 809 ( a ), When they did send documents, they were not a full or accurate accounting of the charges they allege I owe. Portfolio Recovery Associates had this debt put on my credit report undisputed and without proper verification which is a violation of 15 USC 1692g 809 ( b ) and ignoring my written request to have this alleged debt validated and continued collecting 15 USC 1692g 809 ( b ) .They also continued to collect after receiving a cease communication notice 15 USC 1692c 805 ( c ). The second letter I wrote to them is dated XX/XX/19 encl ( 9 ) and certified receipts encl ( 10 ) explaining to them that they had not provided me with the documents that would validate the debt accurately or in a timely manner, and that I insisted that they removed if from my credit report. They sent me a response with a cover letter dated XX/XX/19 encl ( 11 ) which included the same 3 statements encl ( 6 ) ( 7 ) and ( 8 ) stating that PRA LLC has obtained and reviewed the attached documents related to this account, which establish its validity.