davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (TX)

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. 

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 2021-09-22
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

I received a call from a debt collection agency " Midland '' informing me that I was being sued for a debt of {$4000.00} by XXXX XXXX for furniture that I did not purchase. The case # is XXXX. I have never ordered anything from XXXX XXXX. This is a case of Identity Theft how do I proceed in correcting this matter.
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

To whom this may concern, On Tuesday, XX/XX/2021, I sent a wire transfer of {$750.00} via XXXX. To a merchant ( someone I knew ) to transport my vehicle from XXXX  to XXXX. The merchant and I set a date for the vehicle to be picked up from XXXX. On that day, the merchant stopped answering my calls/ text messages and I never received my vehicle or money. I asked the merchant for a refund, however i did not receive a response. I was stuck having to pay another car company for the transport and out of {$750.00}. On Friday, XX/XX/2021, I contacted my bank where the XXXX was sent from which is USAA. To report a fraud claim and have the funds returned. I was notified by USAA that the funds could not be returned due to XXXX policy. Ive tried calling USAA to speak with mutual representatives about the situation and continue to receive the same answer. Now Im currently in a financial crisis due to the loss of {$750.00} from the merchant. Also, upset because, I thought my bank would protect me in this type of predicament.
Consumer complaint received 2021-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : 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 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I deposited check number XXXX drawn on the account of XXXX XXXX for Congress, held with XXXX XXXX Bank, XXXX, Michigan XXXX XXXX XXXX XXXX account XXXX XXXX XXXX into my account XXXX XXXX XXXX XXXX XXXX, with Capital One XXXX XXXX XXXX XXXX account XXXX on XXXX XX/XX/2022. The check cleared XXXX XXXX Bank. 

My account with Capitol One was opened in XX/XX/2022. This is the first check that I deposited with Capitol One. Capitol One accepted the check for deposit and placed a four day hold on the deposit. 

On XX/XX/2022 two days after deposit, Capitol One instructed me to contact them. When I called, we discussed the purpose of the check. I explained that it was a paycheck. Capitol One asked whether I had actually done any work for XXXX XXXX. I explained that I had. Capitol One insisted that they must speak with XXXX XXXX. I explained that I would ask but the conversation would be difficult, because we elected not to continue our consulting contract. 

Capitol One explained that they would close the account and continue to hold the funds. 

I spoke with XXXX XXXX. XXXX XXXX provided a copy of the cleared check. XXXX XXXX agreed that Capitol One could contact him. 

I called Capitol One again but could not reach a human. The line asked form me to leave a voicemail, which I did with instructions on how to telephone XXXX XXXX on ( XXXX ) XXXX. 

On XX/XX/2022 two days after leaving the voicemail with the information requested by Capitol One, I called again, because Capitol One made no attempt to telephone XXXX XXXX, the drawer of the check. Again, it is not possible to reach a human and I left the information requested by Capitol One in their voicemail.
Consumer complaint received 2021-09-22
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: Opportunity Financial, LLC (SC)

Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I notice that this company is also showing on my consumer report as a charge of which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX
Consumer complaint received 2021-09-22
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 (MN)

1. I settled my Capital One account and it should be reporting as a XXXX balance. 
2. I filed a dispute with XXXX and within three days of the dispute XXXX reported the account as " verified '' with an outstanding debt of {$2500.00}. 
3. Either Capital One or XXXX failed to fully investigate the status of the account in a manner consistent with the FCRA. 
4. Either Capital One or XXXX has reported this account as closed on my consumer reports, but XXXX shows that the balance has been reported for 55 months as part of my credit utilization. 
5. Therefore, the credit bureau shows my utilization as 27 % while XXXX shows my credit utilization as 170 % due to the manner in which Capital One and/or the credit bureaus report the account through their internal systems.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge Off XXXX XXXX XXXXXXXX Collection 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 2021-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (TN)

The alleged debt was paid in full In accordance to cfr XXXX. This was a credit sale, I am aware this is a negotiable instrument evidencing the debt arising from this consumer credit transaction. This debt was paid in full at signing of the debt, yet you are trying to charge me XXXX. Deceptive collection practices is what your doing and many other violations. Me, the debtor have the right to bring any claims and defenses against any holder of this instrument at any time. 
16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

XX/XX/2022 at approximately XXXX XXXX in the morning three transactions was made in my Chime account first transaction was a withdrawal of {$400.00} and the second transaction was a withdrawal of {$200.00} and then the third transaction was declined and they were trying to take out {$100.00} and the location was taken out at XXXX XXXX XXXX, XXXX, NJ. 
I contacted chime and they declined my dispute I also have personal friend that also use chime and he was also scammed and they took away from him the total amount was {$700.00} and he received his money back and I also have his proof because he screenshot his dispute number with chime. My dispute was denied thats not fair! Please I need my money back Please.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

American Express Account # XXXX Account # XXXX While reviewing my credit report recently, I noticed you are trying to re age the date of first delinquency for the above listed accounts in my credit report by recently reporting charged off ( C/O ) in the accounts. Please be advised that a CHARGED OFF AND CLOSED ACCOUNT should not have any new payment history or new activity added to it. This is a violation. 

I demand you seize and desist from reporting C/O or any payment in my credit report thereby trying to update the date of first delinquency in a closed/ charged off accounts. 

I demand that you delete all recently added C/O in the above listed alleged account in my credit report with all 3-credit bureau immediately.

According to Fair Credit Reporting Act, all reported information in any consumer report with all 3-credit bureau must be 100 percent accurate. You have been put on notice that you are still reporting inaccurate information in my credit report after reinvestigation. 

Under the Fair Credit Reporting Act, you are in violation. 

Evidence of your reporting C/O in a charged off and closed account is attached to this complaint.
Consumer complaint received 2021-09-22
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: Receivables Management Partners, LLC (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Hello, I today received a call at XXXX XXXX  on XX/XX/2021 regarding an over drafted balance that they worked with Wells Fargo collections services. However, they have called me multiple times and i answered and I asked for their name, managers name, and told them they were violating my rights by harassing me. I told here she will be expecting an invoice.
Consumer complaint received 2021-09-22
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. (LA)

My mortgage was transferred to another bank XXXX XXXX in XXXX and they're reporting a late payment on my home loan when it wasn't with them during that time frame. 

My mortgage is also showing to lean holders one for XXXX XXXX XXXX and one for XXXX XXXX when XXXX  XXXX XXXX transferred the loan to another bank and now has been reporting falsely on the loan saying open with them. However, they not showing one late payment from the time we were with them until they transferred it over to XXXX XXXX.
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc. (LA)

I Have noticed that I have loans and accounts that are appearing on my XXXX  XXXX account that I didn't complete. I used a system called credit repair and was under the impression they were fixing my credit. After applying for a loan as a first-time buyer I discovered that I was denied more than once. I was sent fake updates and credit reports that made me believe that Credit repair was actually fixing my credit. Then started to get reports that I would qualify for refinance loans shortly after that. All of which I never applied for. This becomes a big head ace because I thought i was working on fixing my credit but in fact, was just scammed. While in search of a new home i use XXXX XXXX as a place to find local homeowners that were selling their homes. In the search on the XXXX marketplace, i was charged XXXX XXXX  which would lead to multiple charges. This was to seal my credit card information. this was to apply for reaccuring payments on my account. This left me wiped out and destroyed my finances. More than one account was opened and in more than one state.
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (VA)

In XXXX of XXXX I received a debit collection letter ( copy attached ) from XXXX, XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$160.00}. 

On XX/XX/XXXX I sent them a letter ( copy attached and postmark envelope ) explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. 

In XXXX of XXXX, XXXX XXXX of XXXX, XXXX sent me memo ( copy attached ) the account has been closed and returned to our client. 

On XX/XX/XXXX I received a debit collection letter date XX/XX/XXXX ( copy attached ) from XXXX XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$220.00}. 

On XX/XX/XXXX I sent a letter ( copy attached and postmark envelope ) to XXXX XXXX at XXXX XXXX and to XXXX XXXX XXXX XXXX, explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received two ( 2 ) Debit collection letters dated XX/XX/XXXX ( copies attached ) from Debit Recovery Solutions for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). The total balance due is {$250.00} with a total discount offer of {$180.00}. 

I have been trying to resolve this bogus debit for almost two ( 2 ) years and need your help to end this revolving door of collection agencies for a debit I DO NOT OWE.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am disputing multiple joint accounts from USAA Federal Savings Bank that appear inaccurately on my credit report. These closed accounts report negatively, with statuses such as CollectionOrChargeOff, although they are documented as paid in full for less than the full balance. The reported information is inconsistent and incorrect, failing to comply with FCRA ( 15 U.S.C. 1681i ) and XXXX XXXX standards across XXXX, XXXX, and XXXX. 

Key issues : - Incorrect Account Status and Responsibility : Although these accounts are joint, I should not bear responsibility for the delinquent status, and USAA has not provided proof of my individual liability. 

- Inaccurate Reporting of Dates : Date Opened, Date of Last Activity, and Date Reported are inconsistent across the credit bureaus and reflect errors in reporting standards. 

- Non-Compliance with XXXX XXXX Standards : Reported fields, such as Account Status, Loan Type, and Balance Owed, fail to meet accuracy requirements, impacting my credit profile unjustly. 

I request a thorough investigation, the removal of these accounts from my credit report if they can not be verified accurately, and a formal response with corrected or deleted items.
Consumer complaint received 2022-06-21
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 — Problem with personal statement of dispute
Company: Meade Recovery Services, LLC (UT)

Meade Recovery is shady! They will take more money than legal. Filed a lawsuit against them, have the judgement for them to drop the credit reporting after our agreement to pay a set amount. They keep disputing my claims to drop off my credit. Even with the attached court agreement.
Consumer complaint received 2021-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

i received an update on my credit report and I now have a collection reporting from a company names XXXX XXXX XXXX. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.