davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The individual alleges that Capital One violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and Capital One failed to disclose their right to rescission. 

Failure to Obtain Consent : Capital One allegedly reported information without the written consent of the consumer, as required by FCRA Section 604. 

Misrepresentation of Credit Payments : They argue that Capital One misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if Capital One fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.
Consumer complaint received 2021-11-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (NC)

I requested via certified mail for the original of the validation of the debt from Reliant Capital Solutions and it was not fulfilled. However, the company only send a copy of the verification letter of the debt. I specifically asked for any document with my signature, with dates, and amount of the debt.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

My account has been put on freeze with my funds in it and I am told to come in person at a branch to lift it. I am currently outside the country and need to access my funds to be able to do anything, but the bank will not give me any reasons for the restriction or accommodate my situation.
Consumer complaint received 2023-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

This is still an issue. I requested payments made to Nelnet to be refunded to me under XXXX reimbursement laws for borrowers in XXXX of XXXX. The payments were made in XXXX of XXXX & XXXX of XXXX for a total of {$2000.00}. 

Nelnet has still failed to process my reimbursement as requested for going on 7 month. Today I logged into my account and they applied the {$2000.00} to my loan instead of reimbursing me as requested month after month after month. They've misappropriated funds and even told the CFPB that they mailed me checks repeatedly. Clearly they did not because they now have somehow rectified in accounting error and applied the funds that I have asked to be reimbursed. Now they are telling me that I'm beyond the threshold of the allowable date to get the reimbursement of payments made. My requests were made multiple times by phone and in writing from XX/XX/XXXX until present. My loan amount was {$5500.00}. The attached show that they have applied the payments to my account but only on the Department of Education site account. On the Nelnet account site they still show I owe {$5500.00}! They applied them, took them away when I requested the {$2000.00} refund, and then applied them again but only to the Department of Education??!! This is crazy and probably illegal since they have accounting reporting requirements. They've lied to me, lied to the CFPB about sending me checks and still have not processed anything. What is going on?
Consumer complaint received 2023-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc (VA)

I called them and told them I was on XXXX at the time and XXXX XXXX already new this I gave them my insurance information when I was there and this collection company said I have to contact XXXX and prove it um no XXXX XXXX already had all this information the day I was in there
Consumer complaint received 2023-06-17
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)

I called and spoke with several representatives and they used inconsistent information to challenge the facts I presented to them. Although it was a frustrating effort to get some clarity about the accounts. The representative hung up on me without providing accurate details as the information reported to my credit report and I am very disgusted with how everything turned out. The point is that this matter needs to be resolved quickly due to all the presenting facts I have that show that they are re-aging the accounts and they are in co hoots with the credit reporting agencies and they are stalling for these accounts to be removed. Attached is the recorded phone call. As well as my XXXX credit report to justify my rational call and dispute. It is now XXXX and the data reported contradicts itself. In fact while in contact with them, they mention the name XXXX XXXX XXXX, after several mentions of the account being in collections, this leads to believe that XXXX Dept of Education has sold the account to another party, and they are invoking the name of the government status to collect on this disputed debt.
Consumer complaint received 2021-11-04
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. (GA)

The said Chapter XXXX Bankruptcy was disputed several times for an Inaccurate case number, and I have filed a complaint against them recently, and they still have not done a valid investigation or deletion. I was told an item was removed from my Credit report on XX/XX/2021 by a TransUnion representative over the phone on a recorded line. Which happened to be the same day my dispute closed with the CFPB and they have done nothing but run me around in circles. I keep being told they Verified the Public record directly with the USBK Court XXXX Georgia and that ended up being not true. I have repeatedly asked for them to mail me proof and nothing. I will get the letter from the USBK Courthouse to show proof they did not verify this debt but if they were supposed to had deleted this account after the CFPB complaint then I want concrete proof of how they verified this debt mailed to me. Also TransUnion Representatives do nothing but read off a script, and tell me they can only go by what they see in their system, Not one time did they transfer me to anyone on their Investigative team so that I can directly verify how they did the investigation and at this point my rights under the FCRA has been violated several times and I DEMAND that Chapter XXXX Bankruptcy with inaccurate case number thats being reported be removed IMMEDIATELY! Or I would like to escalate the matter.
Consumer complaint received 2023-05-04
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: Upgrade, Inc. (TX)

I reached out to the bank promptly filed a police report my card was used out of state and in places I have never been. I contacted my bank instead of XXXX XXXX  the dispute they sent me a notice that I made purchases at these merchants which was not factual. 

They sent no information of how they reached this inaccurate conclusion and refused to protect me in this instance
Consumer complaint received 2017-08-14
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. (CA)

I have contacted the credit bureaus regarding an item on my credit report that is caused by fraud. I have filed a police report as they have asked me and also an FTC identity theft report. I have provided to them all this information and copies of the documents as well. They have not handled their investigation as they are suppose to in cases of identity theft.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-19
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. (NY)

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 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization 0 Late Payments XXXX Age of Account XXXX XXXX  XXXX  CLOSED Account Status N/A Credit Utilization 0 Late Payments XXXX XXXX Age of Account XXXX XXXXXXXX XXXXXXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$1700.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX Age of Account DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount 0 Late Payments XXXX Age of Account XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account UXXXX XXXX XXXX XXXXXXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account 15 usc 1681a 4 fcra section state i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 1681c, a 5 section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes they may only report crimes not debts which the report by more than three years 15 usc 1681 s 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.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have unauthorized inquires listed on my credit report. 

I have 4 listed on Equifax and 1 listed on XXXX. 

These inquires need to be removed asap. 

According to the FRCA, unverified and unauthorized items must be removed. 

XXXX - XXXX - XX/XX/XXXX Equifax = XXXX XX/XX/XXXX Equifax Mortgage Ser = XX/XX/XXXX Equifax Mortgage Ser = XX/XX/XXXX Equifax Mortgage Ser = XX/XX/XXXX
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediatelyNon-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.The allegations appear to be inaccurate. Please provide accurate and verified information for each claim or we will have no choice but take legal action against you!
Consumer complaint received 2021-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

On XX/XX/2021, this collections account was added to my credit report. I was not ever notified by ASSETCARE , LLC. This just appeared on my credit file in the amount of XXXX. The account listed is XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Assetcare LLC did not verify this debt but instead just put it on my credit report. This is clearly an abuse of collections tactics. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again.
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2021 PayPal closed my account stating that I violated their policy for some unknown reason. The customer service lady stated that they will hold my {$2000.00} for XXXX 180 days to make sure they didnt receive and charge backs and after that they will release my money to my bank account on file. So today is XX/XX/XXXX and I checked my balance and it was down to {$0.00} because they took my money on XX/XX/XXXX before the 180 day mark and that is fraud to me because that is not what I was told when they closed my account!
Consumer complaint received 2019-05-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinstein & Riley, P.S. (TX)

I just received a letter from my bank account stating that agarnishedon my account to received money was not notified with papers about a law suit and judge sign off on this case the case # XXXX the law firm name is Weinster & Riley I believe this same company yyears ago sent a deputy 's of law to my house and threatening me
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I called Eastern Account Systems today XX/XX/2022 at XXXX pm to advise them that I paid XXXX XXXX the total amount of {$270.00} as I did not owe anything to Eastern Account Systems as I never had an account with them. I advised them that I want them to remove this off of my credit report. The rep asked for confirmations which I gave her and at the end of the call she stated that they will update the account to paid in full which is incorrect. I did not pay them anything and I have all receipts paid to XXXX directly. I want this account from them removed immediately. I have had no other dealings with Eastern Account Systems.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

According to the Fair Credit Reporting Act 15 UCS1681 section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX and FICO are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies Equifax, XXXX, and FICO do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and FICO, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. Equifax XXXX and FICO
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.