davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
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. (VA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XX/XX/XXXX reached out to the US Dept of ed., which has been reported on my credit report since XXXX. XX/XX/XXXX recently provided them with my email address of which I am being harassed. As of today, my FICO score was dropped 105 points due to payments on this account not being made. US Dept of Ed, stopped these payments themselves due to the Pandemic, stated in an email sent to me on Saturday, XX/XX/XXXX. 
If the US of ED, stopped taking payments because of the pandemic, why on earth did they report this account 120 days late. 
Also, on XX/XX/XXXX and XX/XX/XXXX, activity by CAPITAL ONE was reported to XX/XX/XXXX for charges that were pending on my account from a purchase made at XX/XX/XXXX late the evening before. When I called XX/XX/XXXX on XX/XX/XXXX, the representatives stated that Capital One provided them this information. Under FCRA, card usage done by debtor can't be reported until the billing cycle, mines is the XXXX of each month, yet XX/XX/XXXX had access to my shopping in XX/XX/XXXX, transaction still pending, to which my credit score was reduced 10 points on XX/XX/XXXX, the following day after the purchase was made. Also, I made payments to this account to decrease the balance, before my billing due date, this information was not reported or updated, nor did it increase my credit score back to the previous score after losing 10 points. It is also fair to note that Capital One would not allow me to make a payment, because my transaction was still pending and my balance was still low, too low for them to allow me to make a payment. How didXX/XX/XXXX get a hold to this information? 
Last but not least, XXXX is reporting inaccurate information, has failed to update, information, that the account was sold to a collection agency, when and the amount it was sold for, in addition to providing the name of the new account holder, and keeps reporting this information as verified. on XX/XX/XXXX, I sent a certified letter, asking XXXX to validate this account. It is now XX/XX/XXXX and XXXX XXXX  has failed to validate any updated information. XXXX sold this account which means they no longer own the debt, but they are refusing to update my credit report or respond to me directly.
Consumer complaint received 2017-12-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, XXXX I submitted a dispute to Equifax in regards to a closed account for XXXX XXXX being removed from my credit report. I was advised by Equifax that the investigation would last 30 days which according to there record would have been XXXX XXXX, XXXX. Today XXXX XXXX, XXXX. I checked my credit report and it still states " customer dispute-reinvestagation in progress. I contacted Equifax and was advised by a representive that they had sent information over to the company for a dispute on past due payments and because I requested for the account to be closed. Equifax never received a response from XXXX XXXX so the account was not removed for the reasoning of the dispute. I advised the representative that the information I submitted was not in regards to past due payments and that the account was already closed and I was requestinv for this account to be removed. This vehicle was registered under a company. That is still showing under dispute and under the FCRA after 30 days with no response from the creditor the credit reporting agency will have to remove the account and stop reporting it. She then changed her story and stated there were no disputes on my account and because they didnt receive anything from the creditor they made the decision for them. ( Even though they did not even receive a response to the information submitted to the company. ) I advised her this is completely against any laws that protect my rights as a consumer.
Consumer complaint received 2020-09-06
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX  Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related  information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-27
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: I.C. System, Inc. (WA)

The credit bureaus stated that I C System, was properly investigated, but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C 1681 Section 604 A Section 2.
Consumer complaint received 2020-09-06
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-12-20
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: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 - XX/XX/2017
Consumer complaint received 2021-05-05
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. (CA)

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. These are the items I demanding to be deleted immediately : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX Account Number : XXXX
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I filed a Chapter XXXX bankruptcy ( BK  ) inXX/XX/XXXX. My vehicle financed by Capital One Auto finance was not included in the BK ; I directly paid Capital One for the vehicle and paid off the vehicle inXX/XX/XXXX as the attached payment statements and other supporting documents will show. 

The BK was discharged inXX/XX/XXXX. ( Please see attached file ) Capital One is wrongly reporting to XXXX  that the debt was discharged in the BK. 

I have been disputing this issue with XXXX  since XXXX ; I have also reached out to Capital One Auto finance to correct the issue. Both Capital One Auto failed to report the account correctly. 

Please note I am denied credit for an account reported in a BK that was never in the BK and paid in full. ( Please see recent denial by XXXX attached ) Initially when I disputed the account in XXXX, XXXX  stated the BK will be removed in XXXX. Now XXXX  is saying the negative reporting will stay on my Credit Report until XXXX ; although the account was not paid / satisfied in the BK ; and the BK was filed in XXXX. This is 9 years ago. Please help me resolve this issue.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I ordered a textbook online advertised as the US version.  What I received was the much cheaper, and not useful to me, international version. I tried to return the item to the merchant, but they never responded. I then proceeded to dispute the charge with Capital One, but they failed to address the issue as required by federal law, state law, and the terms of use for the credit card itself. 

XXXX XXXX MerchandiseXXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX Purchased : Fri, XXXX XXXX, XXXX Posted : Mon, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 a account without my written instructions
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$49000.00}.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2021-09-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have sent more than 5 letters to XXXX and all 3 credit companies asking to remove a debit that is not mine. XXXX has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says XXXX has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?
Consumer complaint received 2023-03-29
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. (SC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - 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 Balance : XXXX XXXX XXXX Balance 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, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (NY)

It appears that on XX/XX/XXXX credit of {$1000.00} was extended fraudulently and a purchase for that same amount was made at XXXX. On XX/XX/XXXX I received a card in the mail which I did not apply. That night I notified the card agency and they indicated that they would send an affidavit for me to complete and return. The affidavit was dated XX/XX/XXXX although I did not receive it until later in the month. I filled it out and returned it with a copy of the police report. This was mailed certified with a return receipt on XXXX and returned within the 20 days as requested. As of today XXXX the account has returned to my credit reports and I have submitted the police report to the credit bureaus and will once again issue a dispute regarding this account.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.
Consumer complaint received 2023-03-29
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2020-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. My information was used to open an account with XXXX without my authorization. I never used this account nor did I receive any benefit from this account. 
I contacted XXXX a few months ago and they assured me that they will investigate this thoroughly. 
The last correspondence from XXXX dated XX/XX/XXXX states the following : " We respectfully decline to remove the XXXX / XXXX XXXX XXXX account ending in XXXX from your credit profile as we have determined that you are responsible for the account. The account was established on XX/XX/XXXX and the card was mailed to an address previously verified to you. In addition, the phone number used for activating the card also verifies to you, we also have signed correspondence on the account from you, and your previous request to convert to this account. There were payments received for this account from a checking account in your name. We also confirmed that the statements were sent to the address listed in your CFPB complaint and FTC report. '' This is extremely disappointing. Based on their findings it seems that one of my household members was the one who opened the account, and that is how he/she was able to have the card mailed to my address and activate it from my phone number. It has also became clear since that a bank account has also been opened in my name without my authorization, and this account was used to make payments to the XXXX credit card. 
XXXX has failed to verify the individual who opened the account by requesting identity verification documents. And most of all, even after being notified that this account is a result of identity theft, they still failed to fully investigate and review all merchant charges on the credit card and to identify the thief who opened this account. Instead, they made a baseless conclusion that I am responsible for this credit card and, as of today, this account still shows up on my credit files.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

Chase Fraud Dept notified via text that potential fraud on my Amazon Visa XXXX XXXX  I went online to check my XXXX Chase credit card accts and found that there had been a charge from XXXX XXXX for {$1500.00}. I called Chase Fraud Dept and told them that this charge was not one that I had made, I usually don't shop at XXXX XXXX The customer service person closed my credit card and opened a new one up for me but moved the amount over to my new card which they say I am still to pay payments until they can prove this was not me. 

I contacted XXXX XXXX XXXXXXXX XXXX  and was able to get a copy of the recall receipt which does not have any information about what was purchased but, I did find out that it was 2 @ XXXX XXXX. I have no idea what XXXX XXXX are? 

The person that purchased these XXXX  used a ( XXXX ) # # # - XXXX phone number which my area code is XXXX XXXX XXXX. They used an E-mail acct of XXXXr @ XXXX XXXX XXXX XXXX is XXXX. 

XXXX XXXX said that they did a 'carry-out ' and there is no identification used to pick this up. 

The Address for XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX The XXXX XXXX XXXX XXXX XXXX is : XXXX