davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This complaint is in regards to Capital One Credit Card company, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. On XX/XX/2021, I applied for a credit limit increase for my Walmart card ending in XXXX. On XX/XX/2021, I recieved a letter from Capital One denying the increase due to they could not resolve the consumer alert on my credit file. There are two problems with this, first the second call was placed by Capital One, on XX/XX/2021 at XXXX, which is illegal. I did answer the call, which the call did not connect, also whenever Capital One would call about this, they would leave no message. My first complaint is that the credit card company should NOT be contacting a customer at that time of morning, i believe that is in violation of a federal law. Second, I spoke to XXXX, id XXXX on XX/XX/2021, i have never met such a rude and incompetent person who works on a customer service line, she offered no help, gave me attitude, and basically said well if the request is denied, its denied. A request for an appeal to the decision was asked, but ignored and she refused, probably because she is way more than incompetent. Also, XXXX lied to a customer, she told me that the supervisor i was speaking with, XXXX id XXXX was her direct supervisor, which was not correct, XXXX reports to another manager. XXXX was very lax in filing a complaint about XXXX, must be friends, and also much like her friend XXXX did nothing to address the situation or help the customer.
Consumer complaint received 2022-08-12
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)

Please verify the following account below. Please update my credit report to show verification of this account which is reported incorrectly on Experian and XXXX, I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. I will be sending a letter by mail disputing the account to make sure is received and addressed. 

Date Account Opened Date Reported Date Of Last Activity Date Of Status Status Of Account Balance On Account XXXX XXXX - XXXX Open XX/XX/2021 XX/XX/2021
Consumer complaint received 2023-05-23
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. (NC)

IN accordance with the fair credit reporting accounts listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions.

15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system
Consumer complaint received 2022-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION (PA)

I tried to take out a loan from this company called LightStream. Now at the time I didnt know they were a scammer loan company. I gave them my bank info and they went in to my account making False claims on my account and steeling money that wasnt really their. My bank froze my account and told me I been hit by a fraud company that this was not the first time. This all happened the week of XX/XX/XXXX till the middle of this week trying to get things fixed. My credit score is now messed up because the clams they mad were to my financial company for my car. My financial company is also saying I own them money now and the bank has closed my account because this company bent me over in there lie. They are a fraudulent company and need to be stopped before they hurt other people. Im trying still to fix everything they messed up. Its absolutely insane that they can do this and have a whole fake website as well screaming people out of their money.
Consumer complaint received 2021-10-05
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. (NV)

These inquires do not belong to me. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. US SM BUS ADMIN ODA, XXXX XXXX of XXXX XXXX.
Consumer complaint received 2017-05-21
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. (GA)

Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that the  Collection Agency & Creditor  have also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) : " Up on the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but may file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of   X/XX/2016    . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX   of 2016. Hen ce, if the creditor had indeed fulfilled its obligations under Florida  Statutes  to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in m y USPS change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DISCOVER FINANCIAL SERVICES XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off DISCOVERBANK XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (DC)

NAVY FEDERAL CREDIT UNION CLOSED MY ACCOUNT WHICH IS UNLAWFUL PURSUANT TO 12 CFR 10002.7 SUBSECTION ( XXXX ) ( XXXX ) TERMINATE ACCOUNT AS WELL AS PRIVITY OF CONTRACTION - PRIVITY IS A DOCTRINE OF CONTRACT LAW SAYS CONTRACTS ARE ONLY BINDING ON THE PARTIES TO A CONTRACT AND THAT NO THIRD PARTY CAN ENFORCE THE CONTRACT OR BE SUED UNDER IT.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cawley & Bergmann, LLP (NY)

They call back to back and say following previous letters which I have not received regarding an important business matter. I have nothing in collections at this time. I've been the victim of identity theft several times. I want them to stop or send me something in writing.
Consumer complaint received 2023-03-30
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. (TX)

On XX/XX/XXXX, I sent certified mail # XXXX XXXX XXXX XXXX XXXX, to Equifax notifying them that I had 2 inquiries on my report that I did not authorize or recognize and requested them to be removed. ( XXXX dated XX/XX/XXXX and XX/XX/XXXX ) I received an updated credit report dated XX/XX/XXXX stating that they found the information to be factual and did not remove it. 

On XX/XX/XXXX, I called Equifax customer service to advise them again that I still had the unauthorized inquiries on my report and was told by the representative, XXXX, that I would need to contact the creditor directly and have the contact Equifax to have the inquiries removed. I explained that I did contact them and was redirect back to the credit agency. He stated that he could be put fraud alert on my report and I told him that the only thing I needed was the inquiries removed from my report. On or about XX/XX/XXXX, I received a postcard in the mail notifying me that a fraud alert had been placed on my account. That was not authorized by me! 

On XX/XX/XXXX, I sent certified mail # XXXX XXXX XXXX XXXX XXXX to Equifax, again requesting deletion of the unauthorized inquiries. I received an updated credit report dated XX/XX/XXXX stating that they found the information to be factual and did not remove it. 

I have done my part to notify Equifax and make them aware of the incorrect information but, they have made no attempts to correct it. 

15 Code USC 1681i states that if I notify the agency of a dispute, they must do reasonable investigation to determine if the information is inaccurate and delete if it can not be verified. If the creditor had no information and redirected me to the credit agency, how were they able to verify and determine the information to be factual?
Consumer complaint received 2022-07-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

IN REGARDS TO CFPB COMPLAINT XXXX, I RECEIVED THIS EMAIL FROM BOA REGARDING CONTACTING THEM TO VERIFY I MADE THE COMPLAINT. I UNDERSTAND THE NEED TO TAKE SECURITY MEASURES HOWEVER, I DIDN'T MAKE THE COMPLAINT, I COULD NOT IMAGINE THE CFPB SENDING IT TO BOA ON MY BEHALF. STALLING AND GUILTY!
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX has violated my rights . Or a list of inquiries : 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 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.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have found numerous accounts on my credit report that I did not authorize and did not open ; the accounts need to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., XXXX XXXX XXXX XXXX. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report unaddressed. This negligence violates my rights under the FCRA and continues to inflict financial harm. I urge the CFPB to ensure the removal of these accounts and uphold my consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

This information is under my name and is causing me harm. I need it removed from my history. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-29
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. (NY)

I have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

In XX/XX/2019 I made a payment of my account balance in full, 1 day late. I received a late charge for {$25.00}. I paid this late charge in XX/XX/2019. This was credited to my account 1 day late, so I received a statement with a {$25.00} late charge for the late charge. There was no other balance on my account. I requested removal of this fee as there was no statement balance and under 12 CFR 227.15 it is unfair to charge a late charge when the sole balance is a late charge. The company has refused this request.
Consumer complaint received 2022-07-14
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. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : Convergent account XXXX BANK DELAWARE XXXX has violated my rights. 

XXXX  account XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX  XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 602 A also states a consumer reporting agency can not furnish an account without my written instructions. 

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, which antedates the report by more than seven years. 

15 USC 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-20
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. (NJ)

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX  ( XXXX ) Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Consumer complaint received 2021-06-29
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. (NY)

I have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Good Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-06-29
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)

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX XXXX, and TransUnion in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BROKER SOLUTIONS, INC. (AZ)

I believe that New American funding is holding customers monies and delaying making payments in order to hold more money in their accounts so they can make more interest on a larger amount of money. My loan was supposed to fund on XX/XX/XXXX and they are still holding about {$11000.00} and doing nothing but making excuses for not sending the money to XXXX XXXX to pay off the my loan. They never sent a check as they said and they were supposed to do a wire transfer on Monday XX/XX/XXXX but that still hasn't happened. If they hold other customers funds and keep making more interest than they should, this is not right and I consider this theft. They have been holding my money for 20 days now and making interest on my money. I will never use this company again, this is the worst experience with a loan company that I have ever had. 


XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX ( 4 days ago ) There is absolutely no reason why a wire transfer can't be made, I'm tired of excuses. Please have your supervisor call me ASAP XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXXXXXX XXXX ( 4 days ago ) Please. Let me know when that takes place. 

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX ( 12 hours ago ) to XXXX I was never contacted today saying that the wire transfer had been taken care of. I just checked my XXXX XXXX account and I am really curious to hear what excuse you guys come up with. Someone call me ASAP and let 's get a supervisor on this call.