davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2020 an unknown person used XXXX to take {$900.00} from my personal checking account. I filed a dispute concerning this transaction on XX/XX/2020 and have received one reply email from CapitalOne bank noting that I had filed this dispute. I was given a " provisional '' credit of {$900.00} on XX/XX/2020. I have been in contact with Customer Service by phone at XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
On Wed. XX/XX/XXXX I received an email from CapitalOne stating that my claim had been denied because they '' didn't find an error. '' I was told that the dispute had been denied by one department at the bank but that there was an ongoing investigation being done by the bank '' s " fraud '' department and the bank could not tell me how long it would take to finalize their decision about my dispute. 
The email also states that the bank will remove the temporary credit totaling {$900.00} from my account on XX/XX/2020 and any interest and/or finance charges given on that temporary credit. This action would basically result in my not only losing the original {$900.00} I have disputed but I would be liable to repay the {$900.00} provisional credit I have used to pay my rent, medical bills, life insurance, etc.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NJ)

This is a complaint about Fidelity Credit Card services ' dispute department, and in particular, about interactions with them on XX/XX/2020. I spoke with some people, XXXX and XXXX, who were extremely helpful, and I would like to commend them and encourage Fidelity to put them in charge of this whole area. The problem lies in their Case Processing department, which I am concerned is engaging in deceitful practices. They claim to have contacted me to request additional information, and to have closed disputes when I failed to provide it. But what they actually did was to call me from a number with no caller ID, ( XXXX ) XXXX, and hang up on me when I answered the phone without speaking, and on the basis of this mark their logs as having made an attempt to reach me. The only way I figured out that these calls were coming from Fidelity Case Processing was by spotting the same exchange number in another Fidelity employee 's direct-dial number. My understanding from my conversation with XXXX and XXXX is that the hang-up caller is named XXXX and is a manager in case processing. This behavior is at a minimum unprofessional. I would also like to mention that this number is set up to provide either false or incomplete information when calls are placed to it : it says " the number you have called is the caller ID number for US Bank and XXXX XXXX XXXX ''. This may suggest that Fidelity Disputes Case Processing has adopted a deceptive strategy to contact consumers in a way that allows them to claim to have contacted consumers to seek additional information while concealing the fact that they need information, and then using this to justify closing disputes rather than helping consumers. Obviously I can not say for sure that this is strategic deceptive behavior, but it seems to me that this is the kind of thing a careful regulator with consumers ' interests at heart should be concerned about.
Consumer complaint received 2019-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (NC)

I recently purchased a new car and the dealership arranged financing through XXXX XXXX. I received a letter 15 days later from Ally Bank stating they were denying my request due in part to credit score reporting from XXXX, XXXX  and XXXX. They listed a XXXX score from XXXX, nothing from XXXX and XXXX from XXXX. XXXX apparently listed as reasons : Not enough debt experience. Limited history at this phone ( I have had my current number for over a decade. No phone number is even listed there. ) Proportion of satisfactory trades too low ( I don't understand the term or grammar ). Too few bankcard accounts. 

I have a feeling this is not a legitimate company and they have access to my information. I am reading comments on XXXX XXXX and online and see a lot of people with the same complaint. It feels as though they are fishing. 

I do not want XXXX or Ally to have access to my accounts.
Consumer complaint received 2022-10-19
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. (IL)

My complaint is against XXXX formally known as XXXX. They have placed erroneous information on my credit profile that I have been disputing with them directly as well as the Credit Bureaus. Today I received an email from them claiming I owe them a debt and have a right to dispute it. However, I have already been disputing this debt since XXXX of 2022. This account came to my attention in XXXX. 2022 as a charge-off showing up on my credit reports. I have sent written letters as well as emails to them awaring them that this account was open fraudulently and that I have no knowledge of this debt. I was told in response that I would have to dispute with the credit bureaus and with the FTC and they would follow-up with an investigation. I emailed them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as filing a report with the Federal Trade commission. I delivered the reference number of my report to them ( # XXXX ) via email. Nothing has been done about this. In addition I have pulled my credit report and the data furnisher has violated my consumer rights in accordance with the FDCPA. the data furnisher has failed to mark my account in dispute status, as well as failure to conduct a full and thorough investigation. I have the right to and accurate credit profile. I want this account removed from my credit profile immediately.
Consumer complaint received 2023-06-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BANK OF AMERICA Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed
Consumer complaint received 2018-04-26
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: Experian Information Solutions Inc. (KS)

XXXX reported to all 3 credit bureaus, that I was late 30 days in XX/XX/XXXXand 60 days late in XX/XX/XXXX both in XX/XX/XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XX/XX/XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.
Consumer complaint received 2022-12-14
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. (MI)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (CO)

My husband and I received a debt collector letter on XX/XX/XXXX from a company called Rent Recovery Solutions LLC in the mail claiming I owed {$200.00} to MORNINGSIDE CTS APARTMENTS. The letter was dated XX/XX/XXXX. We called Rent Recovery Solutions asking for more details and was connected with a man named XXXX XXXX. He refused to provide verification of the debt -- neither over the phone nor in writing. He repeatedly put us on hold while double checking with his manager. He was evasive when pressed on details like the address of the creditor or the dates or descriptions of the debt. He said this collection would be put on hold for reinvestigation if we could mail him the following items : 1 ) Affidavit of Identity Theft from IdentityTheft.gov 2 ) A police report 3 ) A blank piece of paper with five of my signatures verified with a notary. 

The last item was extremely suspicious. Why would they need multiple examples of my signatures on a blank sheet of paper? What are they planning to do with this information? We asked him why, he said " For legal, mam '' and then became even more evasive. We said we were going to investigate this further and said goodbye. We are no longer able to reach him for further questions. The receptionist, XXXX XXXX forwards our call, but it now goes straight to voicemail. 

We went on to research MORNINGSIDE CTS APARTMENTS. They appear to be a real business in XXXX, GA -- XXXX Courts XXXX XXXX XXXX XXXX, XXXX, GA XXXX. With a real looking footprint across XXXX XXXX XXXX, XXXX, XXXX, etc. We called the number listed on their website and got in contact with the assistant property manager, XXXX XXXX. We described the situation to him and he helpfully found records in their system of someone applying for, but then unexpectedly cancelling, a rental application for XXXX XXXX XXXX on XX/XX/2020 in my name. He verified that there was no outstanding debt on the account. He also verified that they work with Rent Recovery Solutions for delinquent accounts, but that this fraudulent application in my name wasn't delinquent nor in collections status. If that is true, how and why is Rent Recovery Solutions pursuing a {$200.00} debt? We asked him to call Rent Recovery Solutions to clear up this matter. We're waiting to hear back. 

This is all very alarming & strange. Why is someone stealing my name to apply for residence in XXXX, GA? Why would the apartment complex & debt collector bother to chase someone for just {$200.00}? Why is the debt collector so evasive but then said this would go away if I would provide five notarized signatures on a blank sheet of paper? Could this be related to this season 's federal elections?
Consumer complaint received 2024-03-08
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. (CA)

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. ACCOUNT NAME : XXXX XXXX XXXX XXXX- schools ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : 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 2022-10-19
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: Nelnet, Inc. (NJ)

To Whom it May Concern ; This is in reference to the Consumer Report sent by NELNET. 
While checking my credit report, it came to my notice that NELNET has furnished an account ACCOUNT # XXXX on my Consumer Reports. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the XXXX major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by NELNET will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 
15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In the above-mentioned Consumer Credit XXXX XXXX without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or NELNET, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 
If you do not cease communication I will escalate the matter to a Federal Complaint. 
XXXX XXXX XXXX
Consumer complaint received 2022-10-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (DE)

Received XXXX letters from XXXX XXXXXXXX XXXX XXXX saying I am seriously delinquent on a loan taken out in XX/XX/2022 from Speedy Cash. I don't know anything about this company nor have I borrowed money from them. 
Company is Speedy Cash. Amount they say I owe is {$410.00}. 
XXXX  XXXX XXXX XXXX File # : XXXX I called XXXX XXXX Collection and they identified the claim by Speedy Cash and put a flag on it pending notification from you. Their Phone number is XXXX
Consumer complaint received 2022-10-19
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: CITIBANK, N.A. (CA)

In accordance with the fair credit Reporting act XXXX Account # 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 a payment on a credit card account under an open end consumer credit plan as late for c purpose.
Consumer complaint received 2020-12-18
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 (PA)

I have filed a dispute in regards to the incorrect items on my credit report. its has been well over 30 days and haven't received any investigation results.
Consumer complaint received 2022-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (FL)

I received a collection letter from FORTIVA on XXXX but dated XXXXXXXX XXXX XXXXXXXX. This letter was sent despite my having contacted their dispute department by mail two times previous asserting my rights as declared in the issuance of any such credit under such title clause/language. They have chosen to disregard my communication in favor of their attempts to collect an invalidated debt which would only benefit FORTIVA and threatens to further damage my credit beyond what they have already done. I have already submitted complaints regarding this apparent merchant FORTIVA and as it appears, the complaints are still pending. this is a clear indication that FORTIVA refuses to accept my notice of dispute of any such debt and or is attempting to collect a debt already paid in good faith. Consequently, I have reported this to my credit reports/the Three main Bureaus and they have also refused to properly investigate this and have instead sided wit the reporting merchant having violated my rights under the FCRA.
Consumer complaint received 2019-06-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (IL)

I made a payment inXX/XX/2019 that should have applied to the payment for XX/XX/XXXX. Navient was supposed to update me on the status of the payment 2 weeks ago and though they havent I continue to get calls from collections reps. I have no issue paying my bill for XX/XX/XXXX, but they need to tell me what happened to my payment for XX/XX/XXXX before I give them another dime. The representative who just called me this XXXX was extremely rude and got very disrespectful after I explained that Navient should have been calling to resolve the issue before asking for another payment. She had way too much attitude for Navient to not be able tell me where my last payment was applied. I am disgusted by the fact that a loan company such as this cant answer a simple question to a person who has willingly paid her bill overall and especially this year. I even had an autopay set up last year and when Navient didnt take the payments as scheduled the rep didnt know what I was talking about ... its all there in the notes.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (FL)

This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
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. (KY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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. (KY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX XXXX XXXX