davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

On XX/XX/XXXX I received a letter from a private student loan debt collector claiming that I have not paid my loan but I have been making payments despite my account with them showing no payment is due. I am currently in graduate school and should be making student loans and the global pandemic of Covid 19 protects borrowers from making payments during this time. My loan amount is also significantly lower than the amount they are saying I owe. My current loan amount is {$620.00} and they are saying my balance is {$1300.00}. 

My account loan number is XXXX.
Consumer complaint received 2020-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Dear CFPB, Once again I attempted to resolve a severe case of Fraud affecting my entire life with Capital One. 

I am a documented victim of faith, and the CFPB is required to protect consumers from the companies such as the Capital One who are violating the he Fair Credit Reporting Act ( FCRA ). Yet the CFPB has refused to take any action against Capital One for their clear and blatant refusal to follow the law ; the law the CFPB was founded to enforce. 

Around the XXXX of XXXX of XX/XX/XXXXI once again contacted Capital One concerning the fraudulent account they have in my name. At first a representative stated something about the dispute being closed due to " pictures being found ''. When I had the representative transfer myself to the department who could supposedly tell me more about those pictures the representative from said department ( XXXX ) changed the story refusing to address any mention of such pictures. 

She would then claim, lying, that Capital One has repeated refused to address this fraud because we had " never sent in a police report '', and if we sent one in it would be resolved. This is a lie, for the CFPB 's records has clear and undeniable evidence that I have submitted such police reports multiple times. Again, the CFPB has clear and undeniable evidence that Capital One is knowingly violating the FCRA in it's own records. 

I relented and allowed XXXX to once again send me a Capital One secured-link to reupload the police report. XXXX of Capital One 's Fraud Department who is assigned to handle such cases gave me a clear time frame to upload said documents. I informed her I would. However, I just received a letter signed by XXXX dated XX/XX/XXXX stating she " found no evidence of fraud '' and therefore the continued hindering of my and my daughter 's ability to have a home and improve my life will continue. It is clear XXXX and Capital One never had any intention of investigating anything as she never even looked at the evidence provided for she had never received it nor had she even thought to wait until the time frame had elapsed before ignoring the matter. 

There is no longer any doubt that Captial One is violating the FCRA and consumers rights and I am certain you have plenty of cases of consumers who are being hurt by Capital One 's abusive. We demand to reached out by phone by the CFPB legal department to discuss this matter.
Consumer complaint received 2023-07-16
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. (VA)

in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-08-03
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-11
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. (LA)

To start my dispute, I would like to make certain you have and only report up-to-date, accurate, verifiable, legitimate, true, and authorized information per Fair Credit Reporting Act regulations. I do not authorize Experian to misreport any inaccurate or unverifiable information so please review my credit report and confirm your sufficient and full cooperation to the federal laws upon which oversees your business of reporting consumer credit reports. I have provided a copy of my identification documents for you to verify my full name, current address, social security number, and date of birth. I do not have any other names, addresses, social security numbers, or date of births and I do not want any other personal information to be reported to prevent a credit merge or mistaken identity. If there is any other personal information being reported other than what I have provided, I am requesting you to delete it immediately. This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my Experian credit report. In the process of looking through my Experian credit report, I found what clearly appears to be likely some unauthorized and or fraudulent credit inquiries and negative accounts which undoubtedly are ones deficient of the compliant proven permissible purpose supposedly made by the following companies : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Inquires : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I demand you to provide the required verifiable proof of permissible purpose confirming the legal authority to report such information or else complete a full deletion of the entire inaccurate & unverifiable information that is being reported on my Experian credit report due to non-compliance of the Fair Credit Reporting Act. As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my Experian credit report on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified XXXX XXXX compliant reporting moreover 100 % provable true, correct, complete, and timely reporting. I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (HI)

On XX/XX/2019, I called to obtain clarification on how payments were applied to my promotional balances on my credit card. I was confused because on my 6 month promotional balances there was a specific statement on each transition which stated the following, " A minimum payment applies to this purchase. This is included in your monthly minimum payment due. '' That statement is only present on the 6 month promotions ( no interest if balance is paid in full within 6 months of purchase ) and not present on 12/24 month " easy payments promotions. The agent on the phone explained that ALL minimum payments get applied to " easy payments '' promotions, despite the statement made on each 6 month promotion stating that specific promotion is charged a monthly minimum payment. Essentially, unless a consumer calls to allocate payments made in excess of the minimum payment all payments are applied to the " easy payments '' balances. The agent simply stated that everything she stated is also in the terms of agreement. 

It is deceitful practice to indicate that a minimum payment is being charged to a specific purchase when that minimum payment is NOT applied to that purchase. If it is indicated on that purchase the payment should be applied there, or that statement should indicate clearly that them minimum payment will NOT be applied to that specific purchase. Terms or not, the entire payment allocation is deceitful. Consumers are lead to believe that a 24 month " easy payments '' balance would equal low monthly payments over the course of 24 months however, that this not the case. All minimum payments are applied to the " easy payments '' an nothing is paid toward shorter term promotional balances which means a consumer will end up paying interest on those if the consumer does not closely monitor monthly statements. 

The resolution was was to close the account.
Consumer complaint received 2022-08-27
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. (LA)

In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

1.XXXX - XXXX 2.XXXX XXXX - XXXX 3.XXXX - XXXX 4.XXXXXXXX XXXX  - XXXX 5.XXXX - XXXX 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 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed these account Due to these accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am victim of identity theft and did not make these charges whatsoever. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Someone was able to log into my Chime online banking account, transfer all my savings to my checking account, and then used the " pay anyone '' feature and paid themselves at a XXXX address. I called Chime to dispute immediately, they said it could take up to 45 days, but that because it was an obvious lack of security on their part, I'd probably get a credit within a day or so. XXXX hrs later I got an email with their decision- they denied the dispute saying there " was no error '' and closed it. I requested the proof that aided them in making their decision and I was provided with a generic email that many, many other Chime members apparently have been getting as well. I've been a customer for 5 years and was basically told, I will not be getting my money back. In total it was {$1400.00} that was stolen out of my account. I understand Chime is not a bank, but our money is FDIC insured, under XXXXXXXX XXXX
Consumer complaint received 2021-08-17
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: Harvard Collections, LLC (FL)

XX/XX/XXXX I mailed a dispute letter to XXXX XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on BBB they also have over 100 complaints with the CFPB! 

THERE IS TWO DIFFERENT ACCOUNTS BALANCES WITH THE SAME EXACT ACCOUNT NUMBER BUT DIFFERENT OPEN DATES, HOW IS THIS OBVIOUS INACCURACY POSSIBLE? PLEASE DELETE ALL 3 ACCOUNTS
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2023 a letter was mailed to correct the addresses on my report. There are addresses on there that are not associated with me ever. A second letter was mailed on XX/XX/2023 and I have yet to receive a response nor have I noticed a change.
Consumer complaint received 2021-04-13
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2024-02-02
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. (OH)

To Whom It Make Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-07-16
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. (CT)

I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never completed an application for anything from this company. I called them and let them know it was fraudulent activity and nothing was done. This needs to be taken off my credit report. For date XX/XX/XXXX, XX/XX/XXXX. My rights are as followed. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 purpose.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NC)

My credit limit was dropped way down when my identity theft redulted in a fraudulent account appearing on credit report. 
All 3 credit reporting agencies have removed that from my report at the request of the XXXXXXXX XXXX who issued the fraudulent card. 
The Mastercard will not increade my credit limit even now. I called a few days ago. 
How long does it take them get credit report. My limit was dropped to {$250.00}. 
The company keeps telling me I need to use card more often but with limit that low I can not. 
I always pay my bills in full and have a credit score now in excellent range.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CO)

I sent a validation dispute letter to Enhanced Recovery Company on XX/XX/21 to validate an account that they placed on my credit report on XXXX  and XXXX. They have not responded as of today. I also contacted XXXX, which on the credit report is stating was the original creditor, and they have no records of this.
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I received a letter from Resurgent Capital stating I have a debt of XXXX i have no knowledge of this debt. I later contacted XXXX who has no knowledge of a account ever being in my name or any order ever being placed in my name. I asked them to contact Resurgent an clear this up they ( XXXX ) stated '' We can not. '' I spoke with XXXX XXXX from Resurgent Capitol whom stated " We cant contact XXXX. '' Im not sure of how these people received my name and address however i want my personnel information out of their computer system. I have not purchased anything from them. Its fraud.
Consumer complaint received 2019-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (TX)

This company refused to send a signed contract bearing my signature on it showing I owe the debt. I waned document showing when this account was originally open. And make sure its not a zombie debt or a re aged debt. This company only provide me with internet print out with hardly no info on it
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (WI)

This is affecting my life. Every time I apply for anything using my credit Experian wont let no one not even me view my credit report. I have been calling and filing disputes with Experian for the last 2 weeks they promised they fixed the problem but did not. I am facing homelessness because of this. I even went on annual credit report and cant pull my own credit report. I have verified my identity with Experian numerous times and they still wont unlock my report. I am going to be forced to get a lawyer and sue Experian. There are not fraud alerts or anything so why are they blocking me and anyone from my credit report?
Consumer complaint received 2019-01-02
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. (MI)

So I filed a dispute with TransUnion about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said a 3rd party company they use to verify the information confirmed that the information was accurate and correct. I then called them and said please tell how the information was verified and the said they use a company call XXXX, I then told them that how was it possible that XXXX verified my information when I have a security freeze on my account with this company. I contacted XXXX and asked how them how did they verify the information I was disputing and they said they contacted the court where I filed my bankruptcy, I informed them that I had a letter from the court clerk that states, they do not report to 3rd parties and credit bureaus, I sent this letter to Transunion with my security freeze letter from XXXX, So this is proof that a FRAUDULENT verification was conducted or not done at all. So I ask that this be removed from my credit report IMMEDIATELY.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

It is passed 60 days. You told me it takes 60 days to take off the inquiries. Due to identity theft. Its stkll on my credit report. One from XXXX  XXXX. Other from XXXX XXXX-Fla.
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

XX/XX/ I was XXXX and had my phone stolen. The people who stole my phone bypassed my phone passcode, XXXX, and cash app pin. As well as my email information. In doing so, they sent themselves a combined {$6000.00} to two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I tried to change my account info and it took multiple tries with cash app to get access back. I could not reach them during the weekend because they dont provide support. I filed a dispute for the charges, and they said the information they have makes it as if I authorized the purchases. I have a XXXX case, stolen identity/fraud case, & the medical papers to prove I did not make these payments nor did I authorize someone to make them.
Consumer complaint received 2022-07-11
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. (NV)

n 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