davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one did not address the issue. the issue is federal violations and the alleged debt and NOT about the account opening. 

Capital one is in violation of federal law 15 U.S. Code 1666d.Treatment of credit balances.Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

Capital one is stealing the consumer/original creditor credit! 








15 U.S. Code 1666a - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 1028A - Aggravated identity theft ( the Consumer Never gave authorization the capital one to sell my information and report ANY negative information to XXXX, XXXX, XXXX  or any credit reporting agency. 

15 U.S. Code 1692g Validation of debts ( capital one refuse to validate debt and continue to send monthly statements 15 U.S. Code 1692d - Harassment or abuse ( capital one is harassing the consumer by threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. capital one reporting late payment without authorization is damaging the consumer/original creditor person. 

15 U.S. Code 1692f. -Unfair practices 15 U.S. Code 1692b. -Acquisition of location information 15 U.S. Code 1692e.False or misleading representations
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.
Consumer complaint received 2018-03-02
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. (TX)

XX/XX/XXXX I sent a 609 form stating for them to send me proof that the account or mine and just going to say they verified them I have yet to get proof from them.
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services (AR)

Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I beg you. 
EDFINANCIAL XXXX XXXX XXXX EDFINANCIAL XXXX XXXXXXXX {$0.00}
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act the following accounts have violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX 15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 any purpose
Consumer complaint received 2021-07-18
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: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens One obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Consumer complaint received 2022-11-17
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. (GA)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2021-07-18
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: General Motors Financial Company, Inc. (OH)

Americredit obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. The FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting Americredit, they were unable to provide proof of my signed approval for them to pull my credit report. 

Additionally, two inquiries from Americredit are present on my credit report for the same day.
Consumer complaint received 2021-10-21
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. (KS)

On XX/XX/XXXX i sent in a dispute letter to XXXX, Equifax, and XXXX about some accounts that i saw on my credit report. That was over 120 days ago, i also have been sending in more letters every month to try and get these accounts removed or updated. The most recent letter was sent on XX/XX/XXXX. They have been ignoring me. The accounts are not accurate, and they haven't even verified them with me properly. They have failed to maintain proper documentation and accuracy with me. How can they just violate my rights with no explanation for well over 120 days? I always though that the Fair Credit and Reporting Act was supposed to guarantee that they report only accurate information. This is all really confusing because each reporting agency is showing different information. Some late payments are complexly wrong and unverified yet they wont remove them. Other accounts are closed yet still showing they are open and missed payments on a closed account, it is a complete mess. I just want all of the incorrect information on my account removed because this is stressing me out like crazy. I haven't filed an FTC report because i want to go to you all first and hopefully they will just remove all the inaccurate information now. But they are in violation of my consumer rights i need some help.
Consumer complaint received 2021-10-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

In XXXX I was the subject of identity theft and a credit card was opened in my name with XXXX XXXX XXXX XXXX XXXX Several thousand dollars were charged to the account and I discovered the fraud when I checked my credit report. I filed a police report and communicated with XXXX XXXX XXXX XXXX and the three credit reporting agencies and the fraudulent account was deleted from my credit report in XX/XX/XXXX. I have now discovered that Portfolio Recovery filed a derogatory report against me with XXXX in XXXX, almost a year after the fraudulent account was deleted. XXXX has explained to me that XXXX XXXX  sold the account to Portfolio Recovery AFTER XXXX XXXX KNEW the account was fraudulent and Portfolio Recovery should have known as well. This has now adversely affected my credit rating and I want the derogatory report removed. XXXX claims it can only do so if XXXX XXXX or Portfolio Recovery takes action. A copy of the XXXX dispute resolution dated XX/XX/XXXX reflecting the deletion of the fraudulent account is uploaded.
Consumer complaint received 2021-10-21
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)

My Credit File/Report and score from Experian did not show up when Mortgage lender attempted to pull credit file. XXXX XXXX attempted to pull this report from Experian and received an error that a score should be there, but it was not being released by Experian. 

I contacted Experian on XX/XX/2021 to find out why my credit file was not released to our lender and was told that I have a " MIXED FILE ''. 

Experian stated they opened a dispute for the 2-3 other names that were showing on my credit file that are NOT me and a dispute for the items listed on my report that do not belong to me. It was stated that the entire correction would take up to 10 business days to resolve. That they would have to separate the information from my account. 

I called to follow up today XX/XX/2021, and was told that absolutely nothing has been done to resolve this. Asked for a supervisor and was told one was unavailable! 

There is {$130000.00} in loan debt showing that is not mine. This includes 3 credit card accounts, an auto loan account, a mortgage account, a home improvement loan account and several now closed accounts that are showing that are not mine. Also showing are 2 collections accounts for {$270.00} and {$940.00} that are not mine. 

I would appreciate any help to resolve this issue immediately- I can not buy a home without this first being resolved.
Consumer complaint received 2021-05-28
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. (PA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-05-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Revco Management, LLC (NC)

I received a bill from a new bill collector that I have been paying on thru the " original '' bill collector for the last several years. I have emailed them and told them that I was paying those bills thru PRC, and requested to know just what the deal was with this bill that I have been paying on for several years. I have been paying {$25.00} a month to the " original '' bill collector. I did not receive any acknowledgement of my e-mail, so I am going to send them a letter thru certified mail, detailing what I know about this situation. They are threatening me by what is said on the bill that in 30 days they will take out a judgement. Since they have not acknowledged my email, I am fearful, that I am going to be railroaded into a judgement even though I am paying on these bills. I do not think it is fair that my credit is penalized twice. If I am wrong, I have asked them to let me know just what the situation is. I have informed them through my letter that I am filing a complaint.
Consumer complaint received 2020-11-02
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. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2019-03-09
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 wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

TransUnion are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX -XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  are reporting the following fraudulent accounts : XXXX XXXX , XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Consumer complaint received 2021-07-18
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: Global Lending Services LLC (OH)

Global Lending Servi obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Consumer complaint received 2018-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX has failed to have my account reinserted in the credit bureaus after deleting this by error. It's been months now and I have gotten nowhere. They have basically been creating me a lot of hardship because my credit score is fair due to their error
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I have been trying to get a car finance throw my Credit Union, I was given an phone number to call, for Equifax which I continue to have issues with. They REFUSE TO CORRECT MY CREDIT FILE. I use my original birth name, and I have to get the sex corrected on my original birth certificate.

I called the phone number to Equifax, and ask them to remove my Security/Credit Freeze, so that I could try and get a car financed.

However, Equifax continues to update my Credit File, and once my Credit Union ran my credit report, I wanted my Security Freeze and or Credit Freeze back on my Credit File.

I need the correct pin number to access my credit file, and I need an new number for my Credit Freeze and my file was updated.

I was told the Credit Union faxed over information about me : Social Security Card Drivers License Utility Bill Equifax on the phone while still at the Credit Union to me that he was faxing over my information, and that it would only take a few minutes, However, when I called Equifax back, the Customer Service Claims that No One talked to me, and now my information, after the Credit Union Faxed over my Documents. 

I have not been able to reach anyone at Equifax, this happen on XX/XX/2018. 
The Credit Union Branch Manager XXXX XXXX, was very patient with trying to help me. 

I tried calling the Federal Bureau of Investigation, but the Bureau hung up the phone. 
Someone is accessing my information, and trying to steal my " Inheritance ''
Consumer complaint received 2021-02-26
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. (CA)

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$290.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting
Consumer complaint received 2020-11-02
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. (CA)

I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/21 my card was used to take out {$400.00} at a casino in XXXX, Colorado as well as used for another charge. Wells Fargo had declined a claim submitted stating that someone close to me or I had authorized this charge when that is completely false. I did not ever authorize these charges. After escalating for 2 weeks and never receiving a call back from their Executive Office, i called and they said a letter detailing what information was used in determining their decision was being mailed to me. This Executive Office did nothing to help the situation. I am now out {$450.00} dollars due to their incompetence to conduct a proper investigation.