davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I used a company to send an email to Capital One asking for a Goodwill removal of some late payments. In response to that email, Capital One sent me a letter stating that they could not change my address unless I give the 3rd party permission. It also said a copy of the request was included with the letter. I did not request an address change and the copy of the request showed what we asked, a goodwill request for removal of late payments. Included with my request, was the request of 6 other Capital One customers. It showed these customers name, address, phone number, the majority of their account number and a link to their social security number. 
I contacted Capital One customer service because I was obviously concerned about these customers data being leaked as well as the possibility of my data being leaked. 
I was initially told by the cs agent to just destroy the documents and to sign up for some " credit monitoring '' at my own expense because she couldn't confirm if my data had also been leaked. I asked her if they intended to inform the customers that their info had been shared. She then gave me a po box address to send the info back to at my own expense. This response is completely unsatisfactory. They sent out peoples private info and are acting like its no big deal and expect me to foot the bill for my own credit monitoring?! Nevermind the fact that they never even responded to the goodwill request.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (PA)

THIS IS RIDICULOUS!!! I am unfamiliar with this account! Why is it being reported on my credit report? I'm looking for verification of this account! No contract exists between me and this account. I will sue you for the anxiety you have caused me!
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (WA)

XXXX XXXX XXXX has a collection on my credit account. I have sent 3 letters requesting validation of this debt and I receive letters back stating this debt is mine and validated however I still have not received any documentation verifying this debt belongs to me and I have no knowledge of this debt. Need assistance in this matter.

XXXX XXXX XXXX.

Account Details Original Creditor : XXXX University Account # : XXXX Balance : {$0.00} Open Date : XX/XX/2013
Consumer complaint received 2019-03-10
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. (GA)

An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my credit report.
Consumer complaint received 2023-03-26
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. (IL)

In accordance the Fair Credit Reporting act. The account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681.

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

15 USC 1681 section 604 A, section 2. States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of information, other than records other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

On XX/XX/2020 I paid XXXX  XXXX the amount in collections of XXXX on account XXXX on my debit card on XX/XX/2020 the funds where released from my bank. XXXX XXXX send me a paid in full email and stated that they would contact IC System to remove me from collections. 2 months later IC Systems still have nor removed or updated there system that the balance is paid in full. 
I have call them and sent them the payment letter. On XX/XX/2020 I again called IC System and they tell me they will not remove it until XXXX   lets them know I asked can you just call to verify I a as told no. I called XXXX who stated the bill is paid and IC System was made aware on XX/XX/2020 through there computer system. I spoke to XXXX XXXX at IC System and XXXX XXXX the supervisor
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am formally disputing and requesting the immediate removal of fraudulent accounts from my credit report due to identity theft. Upon contacting, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. I have no knowledge of how the theft occurred or any information on suspects, and I did not benefit financially or otherwise. Under the Fair Credit Reporting Act ( FCRA ), prompt removal of fraudulent accounts is required. Therefore, I insist on immediate action to remove the disputed information from my credit report. Please delete the following fraudulent information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-10
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. (NY)

In 2014 I was the victim of identity theft. Several fraudulent accounts were opened under my name. I filed a police report on XX/XX/2014. On XX/XX/2014 I was notified by the postal inspector in charge of my case that the person who had stollen my identity had been found, and was being brought to federal trial. All fraudulent accounts were closed by the creditors. 

Equifax did not remove one of these accounts from my credit history. It still remains on my credit history, and is still negatively impacting my score.This has resulted in unduly increased insurance costs for me for at least the past two years. I have attempted to contact Equifax dozens of times regarding this issue. I have submitted multiple claims. Each time I have provided copies of police reports and all necessary personal information that was requested. Each time I submit a claim, Equifax either never opens the case at all, or concludes that the account is not fraudulent and thus does nothing about it. 

Often they will refuse to let me see the results of the investigation, and I am just told to resubmit the same claim. 

The other two credit agencies, XXXX XXXX and XXXX, have concluded that this particular account is fraudulent, and have correctly removed it from their reports.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My personal information was stolen while XXXXXXXX XXXX XXXX. I recently retained a copy of my credit report and noticed accounts that I have no knowledge of nor have I authorized. I see accounts listed from creditors such as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have never authorized accounts with such creditors. I also see credit inquiries that I have not authorized. I have contacted the credit reporting agencies and requested these accounts be verified and there has been no formal response. These accounts are unverifiable.

I have the right to privacy and I have not given any written consent so reporting this information to my profile is in violation of 15 USC 1681B Furnishing information to my profile resulting in identity theft is also in violation of 15 USC 1681 C-2
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OK)

In XX/XX/2020 I called Citibank and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance for both of my Citibank credit card accounts, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. They are reporting to the credit bureaus late payments in XXXX and that is not true.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX 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.

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 instructions15 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 2019-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have been trying to work with my mortgage company, Mr Cooper, to get Mortgage insurance removed from my loan. I called the company on XX/XX/XXXX to inquire what was needed in order to have MI removed from my loan. I made a $ XXXX payment and again called on XX/XX/XXXX to request MI be removed. I was told I'd receive a follow up call within a week. I placed follow up call to Mr Cooper on XX/XX/XXXX and subsequently was told I'd receive a follow up call on XXXX. XXXX came and went with no follow up call ; I submitted a message on XX/XX/XXXX through their secure messaging portal again requesting removal of MI. As of XX/XX/XXXX I have yet to hear any response from Mr Cooper.

I find the lack of response from Mr Cooper to be both unprofessional and unacceptable. requesting the help of the CFPB to resolve this matter. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2019-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for investigation of a several accounts which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. You also are not allowing me to submit my disputes online after numerous requests. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

The following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX # XXXX 2. XXXX/XXXX XXXX # XXXX 3. XXXX XXXX XXXX/XXXX # XXXX 4. XXXX XXXX XXXX/XXXX # XXXX 5.XXXX XXXX XXXX/XXXX # XXXX 6. XXXX XXXX   XXXX/XXXX # XXXX 7. XXXX XXXX XXXX/XXXX  # XXXX 8. XXXX XXXX  XXXX/XXXX # XXXX 9.XXXX  XXXX  XXXX/XXXX # XXXX 10. XXXX XXXX   XXXX/XXXX # XXXX 11. XXXX XXXX XXXX/XXXX # XXXX 12. XXXX XXXX XXXX # XXXX 13. XXXX XXXX XXXX # XXXX 14. XXXX/XXXX # XXXX 15. XXXX  XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX
Consumer complaint received 2019-03-10
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. (FL)

I recently submitted a request for investigation of a several accounts which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. You also are not allowing me to submit my disputes online after numerous requests. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

The following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX # XXXX 2. XXXX/XXXX  XXXX # XXXX 3. XXXX XXXX XXXX/XXXX # XXXX 4. XXXX XXXX XXXX/XXXX  # XXXX 5.XXXX XXXX  XXXX/XXXX # XXXX 6. XXXX XXXX XXXX/XXXX # XXXX 7. XXXX  XXXX   XXXX/XXXX # XXXX 8. XXXX  XXXX XXXX/XXXX # XXXX 9.XXXX XXXX XXXX/XXXX # XXXX 10. XXXX XXXX XXXX/XXXX # XXXX 11. XXXX XXXX   XXXX/XXXX # XXXX 12. XXXX XXXX XXXX # XXXX 13. XXXX XXXX XXXX # XXXX 14. XXXX/XXXX # XXXX 15. Chapter XXXX Bankruptcy # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX
Consumer complaint received 2019-03-10
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. (FL)

I recently submitted a request for investigation of a several accounts which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. You also are not allowing me to submit my disputes online after numerous requests. 

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian XXXX, and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

The following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 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  15. Chapter XXXX Bankruptcy # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX
Consumer complaint received 2020-04-19
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for and received the American Express Hilton Honors Credit Card in XX/XX/XXXX. What prompted me to apply for this rewards card was the advertised promotion to receive XXXX Hilton points after spending {$1000.00} within the first 3 months of opening the account, then another XXXX points when you spend an additional {$4000.00} within the first 6 months of opening the account. I met each of these thresholds on XXXX XX/XX/2021 and XXXX XX/XX/2021 respectively. After several weeks passed by I never received any of the bonus points. After reading all of the fine print buried in the offer terms I found this statement : " Bonus Points will be credited to your Hilton Honors account 8-12 weeks after each Threshold Amount has been met. '' I feel this is poor placement of this information because its not co-located with the promotional advertisement material. 

Next, I waited for the 8-12 week period to expire at which time I still hadn't received the bonus points and called customer service. I was told that the points would be awarded during the next billing cycle. That billing cycle completed on XXXX XX/XX/2021 and the points were still not awarded. I contacted customer service again and was told that my account had been denied for the promotional offer from the time I opened the account and that I was never even eligible for the offer. I had no idea. I was completely mislead for over 4 months by American Express. I am now cancelling the account and wanted to make others aware so that they are not duped like I was.