davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
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)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I turned in my XXXX auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this XXXX Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from XXXX or the XXXX dealer suggesting otherwise. 
It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from XXXXXXXX XXXX XXXX that would support this phantom fee of {$760.00}. 
What exactly is the fee for? 
Documents or photos that may support whatever XXXX claims this fee is for?
Consumer complaint received 2018-12-20
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)

My XXXX XXXX charge account became slightly overdue because the bill was lost in the mail. I have an excellent credit rating - it was up to XXXX recently. As soon as the error was discovered I called XXXX XXXX and paid the bill in full ( it was only less than {$100.00}. ) But, unlike other companies, they reported me as 30 days late anyway. I was told that they would reverse this reporting and restore my rating ( which dropped by XXXX points due to their report ) but they never did. When I asked for an investigation by Transunion I was told that XXXX XXXX confirmed me being 30 days late. I called XXXX XXXX twice and was told twice that they were very sorry and they would fix it but they never did. My near perfect credit rating has suffered dramatically due to one minor  payment being a couple of weeks late. No other credit card has such a policy - especially when they can easily review my credit and see that I am credit worthy. XXXX XXXX manages to send to me sale e-mails practically every day but they never sent me an e-mail warning me that my bill was past due.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (IL)

The original medical provider completely mislead me into thinking that my insurance will cover ALL of the costs associated with treatment. I was very specific with him and he was very insistent that all costs will be covered by insurance. Well, as it turns out, this was NOT the case. Not even close. The part that really gets me is that my insurance does provide me access to acupuncturists that it will cover ALL of the costs. 

What was the point of me going to someone for treatment that will require me to pay out of pocket when I have an option for the same service at XXXX out of pocket cost? 
This was unexpected to say the least. After all of that, I still paid out of pocket in the amount of {$500.00} but that is all that I am willing to pay. Even that is too much. This is a very direct instance of the medical provider deliberately misleading me so they can get the business. 
I object to this debt and I dispute the validity of this debt. This is a complete sham and the original medical provider should be ashamed of himself. He looked me straight in the eyes and told me that insurance will cover everything, you wont have out of pocket costs. THAT is the only reason why I agreed to the treatments. Well after a few treatments and after they bill the insurance, they start trying to bill me. 
I want this account to be removed from my credit report.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a XXXX XXXX I have my accounts with capital one I live in XXXX Ohio my XXXX is a all XXXX XXXX and because capital one doesnt have any branches in XXXX I cant deposit my cash from my business into my personal account I dont have a business account because I dont have it registered with the state I came up on hard times because I work from my home and wasnt able to work as much due to me having a small child I filed for a XXXX loan and got approved and the funds was deposited on XX/XX/XXXX on XX/XX/XXXX around XXXX I found that my account was frozen I called capital one I was on hold for 2 hours to speak to someone that was very rude asking my questions about my business as if he was a investigator it made me feel very uncomfortable and I felt like I was being treated like a criminal then I was told my account will remain restricted until my account is reviewed and someone will reach out its Tuesday and I havent heard anything beside a generic email that my account has been restricted Saturday morning after it was already frozen I talked to someone Saturday that said my account has been frozen because they couldnt verify my business so I sent in my schedule c form and also my receipts from my nail supply purchases, I was also told that I am found ineligible any money in my account will be giving back to the sba I also Have a job that direct deposits into that account and I have my tax refund coming tomorrow that i have been waiting almost 3 months for I have things to do and I will not have any access to that money and possibly will loose everything thats in the account even if it didnt come from the loan
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to express my concern about the inaccurate personal information, including names, addresses, and employers, being reported on my credit report. As a consumer and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this issue infringes upon my rights. These errors have been present on my credit report for an extended period, despite my repeated requests for removal. 

On XX/XX/year>, I formally requested an updated copy of my credit report, reflecting the removal of the erroneous information. Unfortunately, I have yet to receive an updated report as of XX/XX/year>. This delay is not only worrying but also a potential violation of my consumer rights under federal law. 

The presence of inaccurate information on my credit report may negatively impact my financial standing and credibility. I kindly request that the CFPB look into this matter and help ensure that I receive an updated credit report that correctly reflects the removal of these inaccuracies. 

As a reminder, Section 611 of the Fair Credit Reporting Act ( FCRA ) allows consumers to dispute any information found on their credit report and requires credit reporting agencies to conduct a reasonable investigation within 30 days of the dispute. I am concerned that this timeline has not been met in my case. 

The Consumer Financial Protection Bureau plays a crucial role in protecting consumers and ensuring that financial institutions treat their customers fairly. I trust you will investigate my complaint and work diligently to provide a satisfactory resolution. I am available to answer any further questions or provide any additional information needed. 

Thank you for your attention to this matter and for your efforts in protecting the rights of consumers.
Consumer complaint received 2017-08-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Due to a computer glitch, in XXXX-XXXX un 2016, that was Transunion problem, not mine caused my inquiries to be deleted. Transunion later added them back to my report without giving me legally required written notice within 5 days before readding them. I tried to reach out in good faith and kindly asked them to delete what was illegally re-added. These inquiries added a hardship and my rights were violated. I am asking for your help to stop Transunion from victimizing me. As a resolution I ask that all my Transunion inquiries be deleted permanently from my report as a violation took place and they were illegally added.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is incorrectly reporting that I was 30 days past due in XX/XX/XXXX for my XXXX XXXX XXXX auto loan. I do n't know how this happened. For years, this account has been paid off and closed and has n't reported activity since XX/XX/XXXX. Since XXXX, this account has been reported as a paid off account that was always paid satisfactorily and never late. The account number is " XXXX ''. I am attaching a screenshot of a bank report from XX/XX/XXXXof this year that shows how Experian did not have a late on this account. Somehow last month, Experian started reporting that I was 30 days late in XXXX of XXXX. I was shocked to find this out because this is incorrect inaccurate information and needs to be deleted immediately. I know this for a fact as I still have all of my monthly statements. Moreover, XXXX and XXXX are not reporting a late on this account. This is more reason to believe Experian is making this reporting mistake. I will also be including a section of a recent report which shows how only Experian is making this mistake.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

As a consumer I can get a free credit report, with reviewing my credit report I have notuce that CCS Collection have been violating my rights as a consumer, they are harassing me, defaming my character, jeopardizing my family, hurting my future, according to 15 USC 1692 they have to pay {$1000.00} per violations. The list of violations are 15 usc 1692 b2, 15 USC 1692 b ( 4 ), 15 USC 1692 c1 ), 15 USC 1692 c, 15 USC 1692 d, 15 usc 1692 f. I have attached an copy of my FTC, License, and SSC.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-25
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I used to have a savings account with Capital One Bank. I received an email from a person named, XXXX XXXX in XXXX 2014, who had checks in my name in the amount of $ XXXX.and {$3800.00}. I deposited the two checks in my savings account, withdrawn some money and took the money to XXXX XXXX to help other people in need in the XXXX. I was blind too not know XXXX XXXX was a scammer and swindled me for my money. I got a call from a Fraud Investigator, XXXX XXXX of Capital One Bank about my savings account. XXXX XXXX informed me that my account was frozen, since the scammer took all of my money out of my account. I asked XXXX XXXX if he will get my money back. XXXX XXXX replied, that he will try to get my money back. I provided XXXX XXXX, the necessary information pertaining to my savings account with Capital One Bank. Capital One Bank wanted me to pay out fees not covered from my savings account. As of date, XXXX XXXX, Frauds Investigator has not contacted me with an outcome in regards to my money. I would like to know the Fraud Investigator, XXXX XXXX never got in touch with me in three years. This is unethical of XXXX XXXX and not professional.
Consumer complaint received 2024-03-19
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: National Credit Systems,Inc. (TX)

I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with National Credit Systems Inc. They did not provide me with the original contract as requested.
Consumer complaint received 2022-01-28
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXXXXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-28
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. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Remove this bankruptcy from my public record
Consumer complaint received 2022-01-28
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. (IL)

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