davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( CAPITAL ONE BANK USA N ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (KY)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY 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 charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NY)

I was trying to buy a laptop at Best Buy. There was a sign advertising 10 % off of you opened a card that day and the rep sold it to me. He opens a credit card with citi on the phone and I am approved. Then we go to try to use it, and citi says they cant verify my id after having just taken all my information to open a credit line in my name because I bank with XXXX  and not citi. I asked the guy how often this happens that someone opens an account and cant use it. He said often. 

During the application process on the phone, they collected my social security number and replayed on speaker phone to the whole department. 

I ended up paying with my own XXXX  credit card at full price even though citi now had collected all this information on me which they will likely now sell and Best Buy promised 10 % off. 

So I want to expunge this fraudulently opened account from my credit report. It was opened in bad faith. 

I tried mediation with citi through the AG. They did not cooperate and the NY AG told me to go to small claims for the XXXX dollars. 

I have since returned the laptop. I dont want this fraudulently opened card on my credit report The NYAG intake number is Intake # XXXX.
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

In XXXX 2017 I submitted my forbearance letter the company said it will be deferred until next year. within weeks I get a noticed that I am delinquent and need to pay. contacted the company faced the needed information yet again get an information my account is delinquent and need to make payment. 
what I have noticed is that this particular company is n't clear on the information they provide for my student loans. I honestly do n't know what to do.
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

On XX/XX/2020 is submitted a complaint ( XXXX ) these derogatory items were supposed removed from my credit file since the complaint was closed. This company aren't allowed to collect debt whatsoever, and now upon checking my reports after updating my new address information I see that these creditors are now sending new correspondence to my new home address. This is harassment and against the law. These harmful items still exist and are seriously damaging to my score. They now have a new company reporting the same debt this company 's name is Phoenix Financial Service. Upon checking with my state this company is also unlicensed and unauthorized to collect debt in the state of Florida.
Consumer complaint received 2019-06-20
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. (OH)

To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
1.XXXX XXXX XXXX XXXX , 2. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (WA)

I have been working with XXXX XXXX  XXXX to refinance on my home that is a VA loan, have called multipul times to recieve a MORTGAE NOTE since XX/XX/21 and all they are giving me the run around XXXX XXXX XXXX call the week before and still nothing have called multiple times after. they gave me some number tab # XXXX what ever that means.is there anything I can do I really wanted to refinance this home thru HARP thank you LOAN the money source inc acct # XXXX My name XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, I attempted to buy a {$450.00} commodity online from a website called XXXX. After additional conversation regarding the exchange that was meant to occur, the seller barred me on the so-called website on XX/XX/2022, and it became clear that the whole transaction was a fraud. I immediately phoned my bank, since this is where the money transfer firm XXXX, with whom I made the transaction, was integrated. The bank filed a claim, which they regrettably had to close twice, since they believe I made the transfer and there is nothing they can do except wait for the seller 's bank to recover the funds. I understand the circumstances, but it is completely unjustifiable that they lack any kind of protection in this case. I was certain that if something went wrong, I would have some form of protection, given I had used my bank to transmit money. Neither the bank nor XXXX cooperated with me in resolving the problem ; I have images demonstrating that the whole transaction was a fraud, and the seller 's account was even suspended on the platform used, since there were likely many other people who reported it. I have not received an e-mail or physical mail detailing the status of the claim, and I have had to call each time for an update, just to learn that my claim was closed without adequate assessment or notification. You may be aware of the issues with XXXXXXXX XXXX lack of security against these types of situations, and I hope they can find a method to communicate this information to their users.
Consumer complaint received 2022-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

someone other than myself applied several times for a credit card XX/XX/2021 through capital one. 
the XXXX and XXXX have removed the hard inquires but XXXX XXXX has not.
Consumer complaint received 2021-04-15
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)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America and XXXX XXXX XXXX are illegally sharing my XXXX history without my permission or without sending proper contracts to opt in or out the sharing of my personal information. After recently getting denied for multiple bank accounts I looked into pulling my XXXX XXXX report and realized that they were in complete violation of US code and disobeying acts set in place to protect consumers such as myself ( I will list the codes and act below ). I realized the denials we're made because of the sharing of my information with XXXX XXXX and XXXX XXXX in which I don't have any contracts with same with XXXX XXXX XXXX. Bank of America has violated my privacy on 125 different transaction just as XXXX XXXX service done as well on 2 separate occasions. The code and Act listed : 15 U.S. Code 6802 15 U.S. Code 6805 12 CFR 1016.10 Privacy Act of 1974 5 U.S. Code 552
Consumer complaint received 2022-03-22
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)

Notice to agent is notice to principal notice to principal is notice to agent silence is acquiescence. 

I recently received a copy of my XXXX consumer report and I notice inaccurate accounts reporting on my consumer report this company is in clear violation of the law. 
15 U.S. Code 1681b
Consumer complaint received 2022-10-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Galaxy Capital Acquisitions, LLC (FL)

Galaxy international purchasing LLC, sent me a letter, claiming to show up for a court date, but I have no knowledge of this debt, nor no where the debt is coming from. They have never notified me or anything now theyre threatening to take me to court and sue me and seize my assets and freeze my bank account. I just received a letter XX/XX/2023, claiming I have a civil action against me again no clue what debt I owe or who is it from was never notified at all now Im getting threatening letters from the company I receive eight letters stating theyre going to take me to court.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (TX)

I have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (OK)

My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

My American Express account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. 
The account was given to XXXX law. They reported this while in dispute and in Covid. 

They violated my rights under the FCRA..
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc. (OH)

On XX/XX/2020 I got a notification from XXXX that I had a new account in collections. It's from a 'Credit Management Cntrl ' for {$1600.00}. The reporting company seems to be management company of an apartment I used to live at with my parents and brother. I had moved out of this apartment over a year prior, and was taken off the lease. Whatever this money is owed for, it is not my responsibility, as again, I had not lived there in over a year when it was added to my credit report. I've disputed this with XXXX multiple times, and I've tried contacting the company with no response. Neither my parents nor my brother, who were on the lease at the time, received any information from anyone about owing any money and have no collections accounts on their credit reports.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

Subject : Request for Assistance and Resolution Regarding Potential Credit Discrimination Dear XXXX XXXX  Credit Card Department, I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding recent interactions and observations related to my credit account with XXXX XXXX. I believe in the importance of fair and equal treatment for all customers, and I want to ensure that my experiences align with the principles outlined by the Equal Credit Opportunity Act.

1. **Recent Credit Requests : ** I have noticed one or more recent requests for new credit on my account, and I would appreciate clarification on the criteria and considerations applied in these instances. Transparency on the decision-making process would help alleviate any concerns regarding potential discrimination.

2. **Average Age of Accounts within Past 6 Months : ** It came to my attention that there might be a discrepancy in the average age of my accounts within the past six months. I would appreciate a thorough review of this aspect to ensure that fair and unbiased evaluations are being made.

3. **Recent Payment Information : ** Concerns have arisen regarding the treatment of recent payment information. Clear communication on how recent payments are being factored into credit assessments would provide valuable insights into the decision-making process.

4. **Limited Installment Loan Experience : ** I have noted potential disparities in the evaluation of my limited installment loan experience. I am eager to understand how this aspect is considered and how it may impact credit decisions. 

I understand the commitment XXXX XXXX has to upholding the principles of the Equal Credit Opportunity Act, and I believe that addressing these concerns will help ensure that my rights under this act are upheld to the best of your knowledge and in accordance with the law. 

I appreciate your attention to these matters and look forward to a prompt and transparent resolution. Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX
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. (SC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED A ACCOUNT AND CREDIT INQUIRIES THAT I DID NOT AUTHORIZE. I HAVE NO KNOWLEDGE OF THIS ACCOUNT OR INQUIRIES. I REACHED OUT TO THE CREDIT BUREAUS INDIVUALLY BY MAIL AND PHONE REQUESTING VERIFICATION. THESE TRANSACTIONS ARE UNVERFIABLE. THIS INFORMATION BEING PLACED ON MY PROFILE ARE AFFECTING MY ABILITY TO OBTAIN CREDIT I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FUTHERMORE FURNISHING ACCOUNTS AND INQUIRIES TO MY PROFILE RESULTING FROM IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.
Consumer complaint received 2022-12-03
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: Bread Financial Holdings, Inc. (TN)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-06
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: OPORTUN FINANCIAL CORPORATION (IL)

XX/XX/XXXX - Reviewed credit report and noticed a charged off loan amount of {$7300.00} for a derogatory account at Oportun Bank. I had no knowledge of the account and did not authorize this account to open. The account was opened in XX/XX/XXXX. 

I have contacted the bank and am in the process of disputing this account. 

I filed a police police report for ID theft on XX/XX/XXXX. 

I contacted XXXX, XXXX, and XXXX on XX/XX/XXXX to dispute the loan on my credit report and have also placed fraud alerts on my credit.
Consumer complaint received 2022-03-21
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. (WA)

Contacted TransUnion via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. TransUnion did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.
Consumer complaint received 2021-06-14
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: CORELOGIC INC (NY)

On XX/XX/2021 Credco and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX XXXX letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too