davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

Contacted lvnv funding llc by certified mail and I offered them {$350.00} to settle in lump-sum amd they did not respond at all. But yet continue to report on my credit report. Also they shared my personal information with a XXXX party servicer without my consent or my knowledge. Their collection letters state to choose my response for it may affect my rights. " Please read the following notices as they affect your rights '' is this a threat? Well they decided not to meet my disputes and have a 3rd party servicer contact me again. resurgent capital services. They violated my cease and desist request, which I certified mailed back in XXXX, which I have the exact date and receipt upon request.
Consumer complaint received 2023-11-27
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

my name is XXXX. i had this collection pop up on my credit i already disputed it with XXXX XXXX and XXXX and NATIONAL CREDIT ADJUST mailed a bill of a credit card bill.. but the bill is over 10 years old.. debt can not collect on a old debt plus the debt is not mine. it belongs to another XXXX XXXX my ideniity has been stolen i have police report and i have extended fraud alerts.. 

i want this company to remove this item off my credit or else i will hire a fcra attorney and sue why not free money this is last time ill dispute this next time im sueing remove today Account Details Account Number XXXX Date Opened XX/XX/2021 Last Activity XX/XX/2021 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$860.00} Unpaid Balance {$860.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender XXXX XXXX XXXX XXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. I have attached drivers license, Social Security, card, and proof of address
Consumer complaint received 2021-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

My name is XXXX XXXX. I am disputing a charge on a bill Capital One sent to me on XX/XX/2021. That bill includes a charge for {$1200.00} to XXXX XXXX. This amount is an error. I have explained to them in detail about this merchant. We also did a conference call with the merchant and XXXX on the line recommending that they refund me back my money and Capital One refuse to do so because they are wanting a written consent from the merchant who told them that they will not be sending a written consent. Capital One then took upon themselves to say they can not refund me back for services that were not given because they do not have the funds back from the merchant. XXXX has recommended they have already refunded me back which they did and because Capital One can not get it back from the merchant they want me to pay for it and will not reverse the charge back. I refused to pay for services that were not given to me, so I sent them a letter as the first step in asking that the charged be removed from my account. I have three recordings on all calls made to the merchant, myself, wedding planner, and XXXX informing Capital One of the dispute and the refund that I have saved for proof of evidence. I have also sent them supporting documents with proof of evidence via email as I was instructed to do. This makes Capital One second time doing this to me because it also happened on a {$300.00} charge for a cake deposit that was paid that they also closed on me. 

I paid XXXX XXXX to decorate my wedding on XXXX XXXX. My wedding planner reached out to the XXXX XXXX to see why he has not responded to emails and the contract he was to update to reflect the services he will be doing for me, and he told my wedding planner 17 days before the wedding that he no longer wanted to do my wedding. My wedding planner then asked him what he bought with the {$1200.00} he said he bought items to decorate for the wedding. She asked if she could come and pick it up. He said yes that he will call her back by the end of the day. The end of the day came no call, so we reached out to him no answer. We then called him the following morning to see if we could get the merchandise, he then told us he did not have it, so we then called Capital One to dispute the charge for services not given and this is where we are. I have been trying to resolve this matter and the last manager I spoke with XXXX id : XXXX on XX/XX/2021 told me there was nothing they could do. I then told her to close my account until this is resolved before I make anymore payments to Capital One. I have been an excellent paying customer for quite some time and can not believe I am overseeing a charge or service that was not given.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Capital has continued their malicious acts on my account. First by blocking use of my debit card online, and then in person. I called and they told me that the card was fine ( lies ). They placed hidden restrictions on my card since I filed with the CFPB. 

Now capital is continuing their assult by preventing me from withdrawing my funds from my account. Which is completely illegal what theyre doing just because I filed a complaint. 

They also starting sending me updates and constant emails on my account. But when my account was hacked and I lost XXXX $ + I rarely got a email and when I did it was days late. I attached proof. They never contacted me, and I always had to contact them first and they lied to me numerous times about when I filed the claim etc. They just started sending me email updates, but during the whole investigation I received nothing and I filed 5+ claims totaling over XXXX $ loss. They tried to obscure the meaning of scam, fraud, and dispute. To fit their agenda so I started recording phone calls, every since then they have been after me trying to cut access to my own money, account, and earning. This is illegal and they think they can do it without any repercussions because they will lie their way out of it. Not this time! 

This is really messed up, because Ive been advised to avoid all contact from capital one but they just keep harrassing me doing malicious things to me when I just got XXXX taken from me through unauthorized transactions from capital ones poor security. Capital one is fine if you have less than XXXX, but I strongly advise not to trust capital one with more than XXXX unless you have connections to a higher up in their scheme. 

I have been advised to not speak to capital one until they answer the ftc compliant and cfpb, but they are trying to bait me into calling by obfuscating my account with no clear reason. With nothing sent to my email.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I called your department after I purchased a credit report with XXXX XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this awas negative charge off on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Do not have any knowledge of this Credit Account on my XXXX  and XXXX  credit file to Original company XXXX XXXX. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I made a payment to American Express on my Personal Loans account. The payment did not initially clear as my employer was late releasing reimbursements to me because of COVID related staffing issues. Amex immediately re-presented the check and it was then cleared by my bank. I have called Amex multiple times and even did a conference call with our bank with AMEX who confirmed that the funds were released from our account to Amex via ACH on XX/XX/XXXX. Our account with AMEX still reflects that the payment was returned and we have not been credited for the funds they received on XX/XX/XXXX. Amex has also advised that we have 'one profile ' and they have retricted our ability to utilize the XXXX XXXX  because they still show the payment as not being honored. We have been AMEX cardholders since XXXX. My credit line or in Amex speak purchasing capability has essentially been eliminated and now all payments require a five day hold! I called this morning and after an extended hold got a recording that their systems were not working and they could not help us. I am very dissapointed in AMEX, so much for showing any empathy or understanding during COVID, I have literally spent hours on the phone with AMEX to resolve this to no avail. Everytime I call I get routed to collections ( even though the account is current ) and then get emails after the fact that I have made a " promise '' to make future payments. Something is very wrong here. I suspect the customer service agents I am talking to are in fact collection agents and instead of resolving the issue they get paid incentives to get reflect on my account that a " promise '' has been extracted even though that is not the case.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (NC)

I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against XXXX and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.
Consumer complaint received 2021-08-19
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: SYNCHRONY FINANCIAL (NY)

the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX  This is not mine.

3. Identity Theft SYNCB/CAR CARE SYN CAR Account Number : XXXX  This is not mine.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX
Consumer complaint received 2021-08-19
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: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management placed a negative debt tradeline on my credit on XX/XX/2021. This is a collection debt that was purchased by Midland Credit Management, but they keep applying it each month, as if I've agreed to pay it, or as if it's an open credit debt. From my understanding, a debt creditor is only allowed to put a negative tradeline debt collection on my credit reports once. They are reporting it as new on my credit every month and it has greatly affected my credit. Over the last 6 months they keep submitting it to the credit reporting agencies as a new negative tradeline. 

The most current negative mark from Midland Credit, is XX/XX/2021. 

I have not received any letters from Midland Credit Management. Nor have I made any agreements to make payments with them, or opened an account with them.
Consumer complaint received 2021-08-19
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (IL)

The investigation results were unauthorized and inaccurate. I am a victim of my rights of privacy being violated. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. There is no law that says that you have the authority to report any of my credit information without my consent. A creditor or debt collector must have written permission to furnish any of the consumers information. I did not authorize any furnishings of these accounts and inquiries to my credit report per 15 U.S. Code 1681b ( ii ) - the consumer has to authorize in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be removed at once.
Consumer complaint received 2021-08-19
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. (CA)

Insurance company totaled my car, the loan was paid in full. Experian showed a balance due of approx., {$24.00}, I disputed this on XX/XX/2020 they removed it and recorded this as a late payment ( It was not late and was not reported as late ) On XX/XX/2020 Experian reduced my score from XXXX to XXXX for " making a late payment ''. ( I HAVE NEVER MADE A LATE PAYMENT ) Experian says it's an " algorithm that can not be changed ''. THIS IS UNFAIR CREDIT REPORTING! Please HELP.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-08-19
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. (CA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

I put my account on automatic payments well suddenly their is no record of that and I get a notice in my credit report that my account is 30 days past due I tried to resolve it but they did not want to work with me. I havent missed a payment in 3 years on anything in my credit report there was a better way that they could have been more customer friendly like even a phone call saying hey we noticed you were past due and I could have cleared up the confusion and made a payment immediately but that chose not to communicate no statements no email nothing just a negative on my credit report