davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

CAPITAL ONE BANK HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This CAPITAL ONE with Account number XXXX appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX. I have no idea about the said account. Send any and all documentation that validates your investigation and comments and that the 3 Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.
Consumer complaint received 2024-03-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

CAPITAL ONE AUTO FINANCEHAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION.

I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT.

IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I submitted my Free Annual Credit Report Request Form by certified mail and returned receipt. In included my valid New York State Drivers License as proof of identity. I requested a Free Annual Credit Report from XXXX. Approximately a month later, I received a form letter dated XX/XX/2022 that the information I submitted online was purged from their database and they were unable to investigate m original request. How could they " purged my online information '' when I originally submitted my request by the written Free Annual Credit Report Request Form?
Consumer complaint received 2021-09-20
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. (NC)

The Credit Bureaus have a late payment on my account that is reporting incorrect. I started this investigation with them XX/XX/2021. I still keep getting the same response. I need these items on my credit report updated.
Consumer complaint received 2021-09-20
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with XXXX  online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with TransUnion. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with XXXX. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.
Consumer complaint received 2021-09-20
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 was checking my credit report and i saw account which i never applied, i had my wallet stolen, so i guess someone used my personal information. I am disputing this debt because I do not owe it. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

On XX/XX/2018 and today XX/XX/2018 I attempted to sign up to freeze credit report on the Equifax website -- under the new law that states credit file freeze is free as XX/XX/XXXX, XXXX. Each time I attempted to complete the form. I received various error messages : We are temporary unable to complete this request. 
We will send you an email varification to complete the request. 
Oops this looks like it taking longer than expected I tried completing the application online a dozen times yesterday and four times this morning. I finally gave up and called the toll-free number XXXX. XXXX the gentleman who answered the phone said he would take my information and do it over the phone.I had a difficult time understanding him so I asked where he was located assuming Georgia. He said he's in the XXXX. As a rule I never give personal information XXXX XXXX etc over the telephone. I particularly do not want to provide this information considering the Recent Equifax data breach problems. 

XXXX  and XXXX  websites were very easy to use and I completed the forms to freeze my credit report in less than 5 minutes and received immediate confirmation that my security freeze was successfully added and a freeze is not in place. 
Please look into why Equifax is making it so difficult to complete a security. Thanks so very much
Consumer complaint received 2018-09-27
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. (MD)

Transunion responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both TransUnion and XXXX reporting the same account ( XXXX XXXX Bank, NA ) both agencies reported inaccurate information without proof taking the word of a 3rd party.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Millco Management (AL)

I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Consumer complaint received 2018-09-27
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. (MA)

I have attached 3 documents. 

One showing the amount XXXX charged me, {$82.00} TWO showing PROOF from my bank that total amont was paid on XX/XX/XXXX I called XXXX, they said they would put a temporary credit on my account for the amount while they researched it. 

I sent bank proof, they send a second notice saying that I owed two late payments and extra interest and fees on a debt I have proof was IN FULL on XX/XX/XXXX They have since contacted the credit agencies and my credit has been effected on a debt I do not owe as it was PAID IN FULL on XX/XX/XXXX 2019
Consumer complaint received 2022-08-12
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. (NV)

I recently received a copy of my credit report and In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX  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 a account without my written instructions
Consumer complaint received 2018-09-27
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. (KY)

I requested copies of my credit report from transunion & XXXX XX/XX/XXXX that had many inaccurateies. I called them transuinion to dispute 2 visible items XXXX XXXX ( XXXX ) {$320.00} from XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with XXXX. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm XXXX! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STATE EMPLOYEES CREDIT UNION (NC)

I, XXXX XXXX entered into a consumer credit transaction with State Employee 's Credit Union on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but State Employee 's Credit Union took cash. State Employee Credit Union willfully implied that I am the Borrower of this consumer credit transaction, when in fact I am the original creditor. This is highly false and misleading pursuant to 15 usc 1692 ( e ). State Employee Credit Union is in violation of 15 usc 1692 ( f ) ( 1 ). This consumer credit transaction did not include the interest percentage rate, following I was charged 11.25 % yearly.
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (VA)

Contacted Diversified Consultants on ( XXXX {$1200.00} and XXXX {$480.00} ) and advised that i never had an account at the address services was rendered at and i would like to have it removed and i reported to the credit bureuas that i the address is not mine. I have lived with my mom for over 25 years.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

I am trying to get a copy of my " Full Credit Disclosure ''. I am not trying to get a copy of my credit report, I am asking for a " Full Credit Disclosure ''. This includes my credit report and all notes put into my file by Equifax. Equifax is refusing to supply me with this and is telling me I must subpoena them for the information. This is completely ludicrous. The information I am requesting is all of the information that is in my personal file held by Equifax. This is my personal information and my personal file. Equifax refuses to supply me with a copy.
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was selling a ring on XXXX XXXX. Someone contacted me to purchase the item via Zelle as payment. They started having me go through a serious of steps to get the money transferred. I followed in the beginning because the original explanation was true regarding how much money you could transfer from Zelle during a single transaction. 

This all happened on XX/XX/2022 for the total amount of {$1500.00} ( {$500.00} then {$100.00} ) I contacted Zelle and my bank, XXXX and they both said that it was immediate transaction and there was no way to recover the money and no insurance on the transaction because it was not done with a friend or family member.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

XX/XX/18 I applied for a bank account at XXXX XXXX XXXX XXXX and they advised they do an inquiry on Experian to determine services you are eligible for. They told me my Experian was XXXX. I assumed it was accurate but it seemed really low as I have been trying to get my act together with credit scores. 

On XX/XX/XXXX, I applied for an auto loan and we did not receive the best rate as XXXX advised my Experian rating was still XXXX. 

It was at that time that I realized I had never looked at the info Experian had, just XXXX  and XXXX. 

on XX/XX/18 1- I pulled an Experian credit and it shows General FICO at XXXX with lowest Fico option at XXXX. 
2- I called the XXXX XXXX XXXX loan office and confirmed they use Experian but could not explain why there was a difference. 
3- I called Experian and they advised XXXX is incorrect and I should give them a printed copy of my report and invite them to contact Experian to discuss. 
4- I went to XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX, and spoke with XXXX XXXX , Consumer Loan Originator. Mr XXXX advised me that my Experian report was wrong and XXXX was correct. I requested he contact Experian, he declined. I requested he give me a copy of the report they have showing XXXX and he declined. 
NOTE : I have received a loan offer that could be better if the FICO score was accurate. 
NOTE : I am learning a great deal about credit and one thing I have learned is that it is not a magical guessing game. The bank should be transparent and the consumer should be able to get transparent and real information. If it differs from their understanding, the bank should be able to explain how they arrived at a different FICO score so the consumer can act accordingly. I do no t feel that has happened here. 
Isnt it my right, as a consumer, to get evidence of the FICO they are using so I understand it in future loan requests? Shouldnt the bank be able to explain to the consumer what is driving the difference, so they can fix it?
Consumer complaint received 2024-03-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

On XX/XX/year> i went into my local One Main Financial to get a loan. and i was charged for 3 products i was not aware about. 
XXXX XXXX XXXX XXXX {$600.00} ) XXXX XXXX XXXX ( {$1000.00} ) XXXX XXXX unemployment ( {$960.00} ) i was not told i was going to be charged for these items. i am now looking at the PDF files on my loan and i came across a paged titled OPTIONAL PRODUCTS DISCLOSURE SUMMARY. On the paper it states that i do NOT have to take any optional products to get my loan. it shows that i signed for it but this page was not gone over with me. i was unemployed for over 6months last year and if i would have known that i had the credit involvement unemployment i would have not had to struggle to pay my monthly payments. i have not reached out to the company because if they were dishonest to me back then what would be the difference now. i was not aware of these purchases.
Consumer complaint received 2022-08-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXX 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