davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One - Inquiry date : XX/XX/XXXX - Date opened : XXXX XXXX, XXXX - Credit limit : {$3000.00} - Balance : {$4500.00}. 
I have already disputed this with XXXX, XXXX, and XXXX. But, I had to file a complaint with Capital One and have not heard back from them. That would not have been an issue but I had an alert that XXXX XXXX XXXX  ( collection ) was now on my credit report. I called to see where this came from and it was XXXX XXXX XXXX XXXX  that was opened under one of the addresses that I have disputed and with the numbers that I have disputed. 

XXXX XXXX XXXX ( collection ) - XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Date opened : XX/XX/XXXX - Balance : {$710.00}. 
It showed up on my Credit Report through an alert. I had already frozen all three of my credit reports due to fraud under my name in a Capital One Account & incorrect information on my credit report. The person used a Michigan address, which I told them that I neither have lived in Michigan, I do not have XXXX XXXX XXXX, and I did not recognize any of the five numbers that were opened under the account.

Hard Inquiries of Credit - I have reported to XXXX, XXXX, XXXX that someone has used my ID XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Bank USA NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : wrong name and address on my credit report. Already reported them but they are still on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : wrong address on my credit report. Already tried to dispute these but they still show up. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : wrong address on my credit report. I have already tried to dispute this. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-01
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)

Bank of America reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contactedXX/XX/XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XX/XX/XXXX have done that XXXX different times, and nothing happened, and the unauthorized inquiries still remains on my XX/XX/XXXX report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (MO)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Got a text message saying someone tried to access large amount of money from my account and to message back confirming or denying this. I denied and they responded that a professional will call to help settle it. Got a call from Bank of America and the man said i would have to XXXX  the money in accounts to a special code that would then cancel the transaction and return money in 10-15 minutes. I first did just {$100.00} as thought they just needed some money to cancel transaction but then said needed full amount so transferred it. This drained my entire bank account. I called bank 2 hours later during my break at work to report I was scammed and gave them the number the scammer said was the XXXX  code. Got email 2 weeks later informing people of this exact scam and what to look for. Finally got email week ago saying they couldn't do anything and they only had email for money from debit card in claim, but not my saving account either. 

XX/XX/XXXX debit amount transferred {$100.00} XX/XX/XXXX debit amount transferred {$460.00} XX/XX/XXXX saving account amount transferred {$1100.00}
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (MN)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back
Consumer complaint received 2022-09-27
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. (IA)

On or about XX/XX/2022 I disputed the completeness and accuracy of a trade line reporting on my consumer report and Trans Union said they updated the account only for the account to be reporting the same way. This is my final attempt at resolving this before I file a federal lawsuit.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

A company by the name of Aargon Collection Agency is reporting a balance of {$2300.00} for a hospital bill that does not belong to me. I sent them a letter asking them for signed hospital documents for this debt since I have health insurance and they send me a print out with nonsense data and numbers that I can't understand yet no signed documents by me.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

I was behind on mortgage payments but had agreed to a repayment plan. No foreclosure proceedings had began. On a Sunday morning in XX/XX/XXXX, 2 strangers entered my unlocked sliding door. I obviously had a breakdown. 3 police cars came out as I thought I was being robbed. Turned out to be a 3rd party that Shellpoint Mortgage sent. I have had horrible XXXX XXXX  since. 

I reside in a condo so I am required to provide HO-6 ( wall 's in ) insurance. They forced wall 's out insurance although I had my association email them the master policy. The representative had it since XX/XX/XXXXand never updated the system. My agreed repayment for 6 months is XXXX but because of the forced, illegal placed insurance, the amount is over 1300.00. 

So I wouldn't be in default, I made the higher payment in XX/XX/XXXXand was told the payment will go down when the illegal insurance is removed. Also the extra monies paid in XX/XX/XXXXwould be applied to XX/XX/XXXX. I am still unable to make my payment as the system still shows the over 1300.00 payment due and noone can help. The last conversation via email, i was told to contact their IT department. 

Who is the client? I obtained the master policy, made every initial phone call. 

My 4th amendment has been violated as I know longer feel safe in my own home.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (MO)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

My bank account at a pnc branch in XXXX pa was closed for supposed failure to proof residence. I took letters from them sent to the address on record and also other proofs and still my account was closed. The same day my paycheck deposit was deposited. Bank said I'd received a check in the mail 5 business days after the day I visited the bank and have not received my funds.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as. late for any purpose. Same with mortgage late payments.
Consumer complaint received 2021-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX bought this debt from Capital One Bank USA. However this debt has been dismissed by a court in XXXX, MD and should be deleted. I will include the attached Maryland Judiciary Case Search file to this complaint for viewing. Please remove this from the file asap. Additionally I am impacted by Covid19. Please not this all stemmed from the Capital One Banks phone teams mishandlings of the file. They were very XXXX and tribal toward me. Putting me on long hold times and shouting like animals at me. Making the servicing and handling of this account impossible. The XXXX girls and XXXX girls were especially mean. This was vengefully sabotaged. The practice is called " derogatory the privileged white mans credit and finances '', unfortunately this movement of sorts is going on in call servicing centers around the united states. They chastised me when i mentioned i voted for trump. The call center suffered from " trump deraingement syndrome '', a now very popular term. I saved dozens of recorded phone instances. The judge deleted this case and it now needs removed from my credit. The fair debt collection practices act was broken and amounts as well as fees inflated. To avoid further legal action and civil suite please remove all negative credit reporting. Please do this for experian, equifax and transunion. Respond in writing to this complaint that you did so. Provide me a copy of this in writing by paper copy printed and mailed once done. Thank you.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently viewed my credit report and saw several discrepancies and inaccuracies with the accounts listed below. There are several inaccuracies on each accounts date opened, payment date, payment amounts, etc. that needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or intormation Any otner adverse item Or Information, Otner than records Or convictions Or Crimes which antedates the report DV more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the intormation is inaccurate
Consumer complaint received 2022-02-15
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX BANK XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXXXXXXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}.
Consumer complaint received 2020-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

On XX/XX/XXXX, Advance Financial debited {$220.00} from my checking acct and i just made a payment of {$150.00} the day before is  was due. i spoke with XXXX with Advance Financial and he told me it was due to a missed arrangement on XX/XX/XXXX but it was paid on XXXX. Their process of making the arrangement is you have to directly call them to make the payment instead of having the payment auto debited out of my acct. i have this issue before and i asked to speak to someone who can help me with a better arrangement and all the employees stated is that is what the company can offer. i wasn't allowed to speak with a manager or someone who can better help me with my situation. i have other creditors i have to pay. Covid or not these people are not willing to help you with my financial situation.
Consumer complaint received 2020-11-18
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)

There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is reporting a balance of {$430.00} on my credit report. I sent them a letter asking for the signed credit application from the original creditor. Instead they sent me a copy of letter from the credit card company that says they sold the account to them. And that letter has an address from XXXX XXXX XXXX that is not my address and I never lived there. 

That's it. No contract, no signed credit application and an address I never lived at.
Consumer complaint received 2020-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I returned a message left for me to XXXX, XXXX, XXXX XXXX. I spoke with an account representative who identified herself as XXXX XXXX. Ms. XXXX indicated that she was contacting me regarding an alleged debt owed to Wachovia/Wells Fargo Bank. She stated that the account was in pre legal status and would need to be paid immediately to avoid any further legal activity. When I asked for proof of the original balance Ms. XXXX stated that information would not be available to me unless it was taken to legal action. At first she stated that the current balance was owed was {$1100.00} but would settle for {$790.00} and then later said she would agree to settle for {$680.00}. At the time of the phone conversation, Ms. XXXX emailed two settlement letters 20 minutes apart from each other on one it states balance owed as {$1100.00} and the second states balance owed as {$1400.00}. She told me that legal action could be pursued, I could be charged with fraud, my credit would be affected, and that this could be reported to XXXX XXXX. Ms. XXXX told me that the large balance was due to interest and fees accumulated over time. The account I believe that this company is trying to fraudulently collect on is now a zombie debt. I had a checking account with Wachovia/Wells Fargo Bank with the last activity date being sometime in XXXX or perhaps prior to that. I was contacted by a XXXX XXXX XXXX in XXXX regarding the same matter and indicated to them in certified mail that they were illegally attempting to collect on a debt that in the state of Virginia had reached the statute of limitations and to stop all contact. The account was to my knowledge originally, an unpaid approximately {$80.00} debt owed to Wachovia/Wells Fargo Bank. Due to inadvertently closing the checking account with one check not paid with a returned check fee. I received another letter today XX/XX/XXXX from XXXX, XXXX, XXXX XXXX demanding a balance to be paid of {$1400.00} and again threatening possible legal action. Under the Fair Debt Collection Practices Act XXXX, XXXX, XXXX XXXX are illegally calling me, threatening me with possible legal action, as well as being dishonest about balance owed. The statute of limitations has expired and this should be noncollectable and this company is breaking the law.
Consumer complaint received 2021-01-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have federal student loans with XXXX. I never had a late payments. My student loans went into deferment. There should be no late payments on my student loans if my monthly payment is XXXX. This is a big discrepancy for me it's hurting my quest for getting funding. I just want the late payments to be removed from trans Union and XXXX
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (MD)

THE LIST OF CONCERN THAT I WOULD LIKE TO MAKE KNOWN TO FCC, XXXX, FTC, HAS BE A ONGOING ISSUES WITH SELF LENDER FINANCIAL. 
1. PAYMENT SYSTEM ERROS SINCE XXXX I WILL UPLOAD PICTURES FOR THE RECORD. 
2. SELF LENDER FINANCIAL OFTEN DELAY CUSTOMERS PAYMENT DELIBERATELY THIS A PATTERN THAT THIS COMPANY DUE TO HARM THERE CUSTOMER CREDIT REPORT FOR LATE PAYMENT.

3. NEXT CONCERN DURING THE STATE OF EMERGENCY SELF LENDER FINANCIAL DELIBERATELY MESS CUSTOMERS CREDIT REPORT ALWAYS / FOR THE BILLING ISSUES IT DOESNT MATTER IF U PAY YOU {$15.00} PAYMENT ON TIME OR 8 DAYS BEFORE UR DUE OR IF U MAKE DOUBLE PAYMENTS THE CUSTOMERS WILL ALWAYS BE WRONG FOR MAKING DOUBLE PAYMENT. 
4. WHEN I TOLD THESE AGENT XXXX AND XXXX AND MANY OTHER THAT THERE BILLING SYSTEM IS BROKEN! I TOLD THEM ON MANY DATES AND TIME FROM XXXX XX/XX/2020 I WAS TOLD BY TWO AGENT THEIR RESPONE WE JUST WORK HERE AND WE DONT CARE ABOUT SELF LENDER IAM JUST HERE TO GET A CHECK WE DONT CARE ABOUT CUSTOMERS ISSUES OR CONCERNS AT ALL 5. I JUST NEED TO THIS COMPANY TO DO BETTER WITH THEIR CUSTOMER CARE AND TREAT PEOPLE LIKE HUMANS INSTEAD OF BLOW CUSTOMERS OFF AND DROPPING THE BALL .. 

THE AGENT TOLD BE HE DIDNT FEEL LIKE WORKING AND HE HAS BETTER STUFF TO DO AT HOME INSTEAD OF WORKING ON THE CLOCK FOR SLEF LENDER GIVE ME A CALL ON THIS FIX PLEASE AND THANK YOU MR .XXXX
Consumer complaint received 2020-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (OH)

Open in the account XX/XX/2020 with US Bank after paying off a debt I owe to the bank being Ave from the worker bee Branch sure that was there that XXXX I was notified that I can open a bank with them after going to the regulations to verify that I owed with XXXX XXXX and paid off my debt I open an account deactivate my account was closed due to suspicious fraudulent activity is what they said none the less I am being told that it was a third-party investigator investigation company of some sort that I notified under eye can I open an account they took the money that I had in my account and my account has been closed after that do I have to buy money coming from this account has been closed in my name and they expect me to pay off this money
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons, Doughty & Veldhuis, PC (NJ)

The matter being brought up by Lyons, Dougherty, and Veldhuis was dropped from going to court over 2-years ago. Out of nowhere, this company, on behalf of XXXX XXXX, has brought it back up stating that they are suing me again.