davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One Auto has refused to delete this fraudulent account from my credit report. They are in breach of contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2018-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX has constantly been on my credit report as closed and 120 days past due. They no longer handle my loan but on my credit report instead of taking it off my credit reports they just put transferred in the notes but it still shows up negative closed account on my report. They have removed one or two so I know it can be done.
Consumer complaint received 2022-05-03
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX
Consumer complaint received 2020-09-22
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)

THE ACCOUNTS LISTED IN THIS COMPLAINT WAS OPEN UP FRAUDULENTLY THESE ACCOUNTS DO NO BELONG TO ME SOMEONE USE MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (NC)

There are several accounts reporting on Experian only that are not my accounts. I have disputed this and they still have not removed them. I don't know what I have to do to make them understand it wasn't idenity theft it is their misreporting otherwise the other two bureaus would be reporting them as well.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Balance XXXX 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. 

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.

This company is a collection company but has this account listed as " open '' based on the FCRA a collection is not legally an " open '' account. I have requested documents from this company asking for validation that I have a signed contract with XXXX XXXX XXXX, and they failed. The account inaccurate shows me as a " cosigner '' but has failed to send accurate and verified documentation. This company is based in South Carolina and not authorized to legally collect debt in my state of residence.
Consumer complaint received 2021-06-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

XX/XX/2021 I sent a debt validation letter to National Credit Adjusters via certified mail. Their office received the document XX/XX/2021. 

I did not receive any correspondent from this company within the 30 day time frame ( Post Marked XX/XX/2021 ). 

XX/XX/2021 I sent a debt validation " default '' letter to National Credit Adjusters via certified mail. Their office received the document XX/XX/2021. 

I have not received any correspondent from this company within the 7 day time frame listed on the XX/XX/2021 letter ( post marked XX/XX/2021 ). 

This company continues to report false and inaccurate information on my credit report.
Consumer complaint received 2020-09-22
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)

EXPERIAN IS IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, HERE ARE THE LIST OF THE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

I applied and was approved for the Chase Sapphire Preferred card on XX/XX/XXXX. The promotion I signed up for was for 50,000 points after spending {$4000.00} in three months. The promotion also waived the annual fee of {$95.00} for the first year. 

On XX/XX/XXXX, I was charged {$95.00} for the annual fee even though the original credit card application said the annual fee would be waived for the first year. 

I called Chase two times on XX/XX/XXXX to have them refund the fee since the promotion did not charge the annual fee for the first year. After speaking with two supervisors, their best explanation was that I applied for a different promotion that did not waive the annual fee. They said at the time, they were running two promotions -- one that waived the annual fee and one that did not. I accessed the application through their own website on two separate occasions, the first time I did not finish filling out the form. When I went back to submit my application, apparently the promotion changed and it was not made clear to me. It seems to me that Chase purposely knows that some consumers, such as myself, are unaware of two separate promotions ( on with annual fee waived and one is not ) and deceives consumers who unknowingly apply for the wrong promotion. The terms and offers should be made more clear throughout the application and should not change depending on when, where, how the application is accessed.
Consumer complaint received 2018-10-27
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. (OH)

On XX/XX/XXXX I pulled my daily credit report with Equifax to review my credit and noticed that Equifax had placed a one year fraud alert on my credit file for no reason and without my consent or knowledge. It shows that the fraud alert was initiated on XX/XX/XXXX. I have been having issues with Equifax improperly placed initial and extended fraud alerts on my credit file without my knowledge or consent for the past few months now. It is an absolute nightmare trying to get them removed once they have been placed. The fraud alert than sets off an alert to other credit reporting agencies who than places a fraud alert on those credit files. When you call Equifax to have the fraud alert removed it is nearly impossible to even understand what the CSR is saying because your called is routed to a company outside of the United States. I am furious that Equifax placed this fraud alert on my credit file without any known cause or reason without my consent or knowledge.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$250.00}.

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX 's Front Desk/Reception on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for the notice of dispute to be reported to my XXXX and TransUnion credit reports.

5. Upon investigation of my XXXX credit report dated XX/XX/2018 and my TransUnion credit report dated XX/XX/2018 ( copies are attached ), XXXX XXXX did not furnish neither XXXX  nor TransUnion with the required disclosure within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my accounts within 30 days of my dispute, which was received on XX/XX/2018.

6. More specifically, XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

7. Thus, it is my request that XXXX XXXX delete the {$250.00} entry as a result of it not placing the required notices of dispute on my credit reports.

8. Additionally, I never received competent evidence of the debt bearing my signature.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints ( 6 complaints total ) were closed without any investigations or removals of these items, claiming these complaints are not from me. No documentation supporting the items remaining on my credit file were provided. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX XXXX XXXX, submitted a letter for the removal of these incorrect items. No response from Experian. A follow-up letter was submitted by Attorney XXXX on XX/XX/XXXX. As of today, Friday, XX/XX/XXXX, Experian HAS NOT responded to the follow-up letter either. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Experian attached ) Account Number XXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX BANK ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX XXXX XXXX ( 2 prior CFPB complaints for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that Experian remove these 5 incorrect items from my credit file per the FCRA.
Consumer complaint received 2021-03-30
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)

On XX/XX/XXXX, a bankruptcy once listed on my account was deleted due to inaccurate reporting ( Supporting document # XXXX XXXX. After the deletion of this item, several accounts started to report inaccurately. Also, many disputes would not update after the investigation was completed. All the disputes would say " Consumer Disputes - Reinvestigation in Process, '' Although I did not have an active dispute. I disputed the " comments '' ; however, the final results states that the explanation previously attached to this account has been deleted, but my report would not update ( Supporting document # XXXX XXXX. Since the report would not update, I would have to dispute the comments repeatedly, just for the issue to reoccur again. The accounts that have not been updated and that I have to keep disputing are XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. Since the comments would not come off, I disputed that they are reporting as open on my account when they should be closed and listed as XXXX. No updates or corrections were made. Equifax disputed the accounts again to have the comments removed. 


I disputed the XXXX  XXXX XXXX account on my report since it reflected as XXXX days past due, a past due amount of {$210.00} ( supporting document # XXXX ). XXXX  XXXX XXXX was listed in Bankruptcy and should not be reflecting as past due. On XX/XX/XXXX, XXXX  XXXX XXXX updated my report, removing the incorrect information ( supporting document # XXXX XXXX. However, the report stated in the additional information that " Consumer Disputes this account information, A temporary update freeze on file, collection account. '' I once again submitted a dispute to have the account comments removed. This time, XXXX XXXX  XXXX XXXX account reports late 60-80 days past due XX/XX/XXXX. Balance amount of {$1700.00}. I spoke with XXXX  XXXX XXXX, and they state that they updated Equifax that my account is XXXX and did not give them any information that the account was behind since it has been closed since XX/XX/XXXX.
Consumer complaint received 2023-03-31
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. (PA)

Back in XX/XX/XXXX I sent in my first dispute to all 3 credit bureaus, ( XXXX, XXXX, and Equifax ) addressing the incorrect personal information that was being reported on my account. I asked for them to update my credit profile with my correct name, address, and employment info. I know due to covid things may have been backed up so I reached back out to them XX/XX/XXXX. In my XX/XX/XXXX dispute I addressed the same issues with my personal information and asked for verifiable proof of a few accounts that was being reported. I was sent an updated credit report that said accounts has been verified and no change to my profile in XXXX XXXX. I asked for a re-investigation and verifiable proof for selected accounts in XXXX XXXX XXXX. I informed them that according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the original signed consumer contract for any and all accounts that's reported on a credit profile. I have not received any response to my dispute as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the companies that I disputed. I do not validate any of them accounts and none of my personal information been updated. I have spoken with someone from XXXX and XXXX asking why haven't those accounts been removed yet or my personal information update and the response I got was they don't have to send me out any physical proof of the debt. So instead of continuing going back and forth I figured I'll reach out to you guys to see if you can help me.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (AL)

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 that a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (NC)

I was a victim of an fraud inquiry issue relating to companies pulling my XXXX report without my consent. The following companies are listed under hard inquires on XXXX that need to be removed/deleted : 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 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 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 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
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT { XXXX XXXX XXXX   ACCT # XXXX }. WERE FILED ID THEFT REPORT AND DISPUTE WITH EQUIFAX TWICE THEY STILL NOT REMOVE OR DELETE.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: United National Services (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX XXXX XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (IL)

Application was approved for {$2500.00} XXXX XXXX via internet application then application approval stated, call in for final approval, I received final approval and I was congratulated. Representative stated that I could activate card online ... .then I received card in mail ... .I was unable to activate and I called in only to transfered to department specialist. Then I was told ... .. I was requires to send in Tax form XXXX. I submitted all required documentation that was orginally required to get approved. 

I believe that I was unfairly profiled due to personal reasons of represenative after hearing my voice. If this wasn't the case I don't think I would have been originally approved and sent a physical card. Their was no request for Tax information or any documentation to verify who I was if that was a issue. I feel unfairly targeted and would like this issue reviewed.
Consumer complaint received 2022-05-03
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. (NC)

I was a victim of an fraud inquiry issue relating to companies pulling my TransUnion report without my consent. The following companies are listed under hard inquires on Transunion that need to be removed/deleted : 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 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 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