davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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. (MD)

I sent my letters off XXXX and XXXX of XXXX  telling credit bureaus to investigate every piece of my information on the accounts listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies .... 

Accounts : 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 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANCO POPULAR DE PUERTO RICO (NY)

Banco Popular promoted the XXXX credit card. Make one charge and receive XXXX points after one charge. On XX/XX/2019, I opened the card and promptly made one charge after activating it on XX/XX/XXXX. I did not receive the promised points. On XX/XX/XXXX I spoke to XXXX who advised me the points take 6-8 weeks to post. On XX/XX/XXXX I called again and XXXX advised me to contact the bank if the points do not post by XX/XX/XXXX. The points did not post. I do not have time to call the bank repeatedly for their continuous failure to post points.
Consumer complaint received 2022-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND FUNDING debt collection reported incorrect information to the credit bureaus after I refused to pay off debt. In XX/XX/2022 I spoke with the company in trying to resolve debt and I could not pay what they were asking at the time. The company changed the balance to increase by {$1.00} ( {$950.00} to {$960.00} ), reported a recent late payment of {$0.00}, and changed status of account to open instead of closed. This is in retaliation for me not paying off debt and repeatedly asking them to verify debt.
Consumer complaint received 2022-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (FL)

TruAccord has violated my rights! I received a email in regards to an account you are attempting to collect a debt that originally belonged to XXXX XXXX XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. 
TruAccord violated my rights by furnishing information on my consumer report with the intent to coerce payment in the amount of XXXX XXXXTruAccord has made it hard for me to take care of my necessary household needs. This grave error caused by TruAccord violated my privacy an
Consumer complaint received 2022-08-07
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-08-07
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. (MI)

This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act XXXX XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
Consumer complaint received 2022-06-13
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Account # XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I need a new identity I've been getting fraudulent activity happening on my end for years it's like this is some sick joke just recently there was an activity any amount of a little bit over a XXXX dollars and I can't pay my bills I can't keep up I can't battle this constant fraud in my name I'm at the point where I just want to XXXX  myself cuz I can't do this anymore please somebody help me and this is going to stop why and why do I have to keep paying for it Chase Bank knows about this and they don't care I got a new account and still so what they do is just go back to the old account and say oh this happened and charge me for it when somebody's obviously stealing in my name
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX at XXXX EST and XXXX EST, each time we attempted to resolve this matter with XXXXXXXX XXXX XXXXXXXX Credit Card service ( Comenity Bank XXXX XXXX. The first time the customer service rep sent us to the main menu after 30 minutes trying to resolve the problem and the second time the customer service rep hung up on us. 

The problem we need resolved is this. We received a {$50.00} certificate coupon. We called XXXX XXXX XXXXXXXX to ask how we can redeem it. We were told we needed to make a purchase adn when the amount reflected on the statement, we could then have the credit applied. Now that we made a {$71.00} purchase, XXXXXXXX XXXX XXXXXXXX has notified us that the credit can only be made at the checkout of a new purchase via the physical store or online. 

We received conflicting information. Either way, we are entitled to a {$50.00} ceritifcate coupon and we ask the company it be applied toward our current balance of {$71.00} so that our new balance show as {$21.00}. 

Our Certificate Coupon is XXXX
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

In XXXX my roommates and I found the property XXXX XXXX XXXX, managed by the company XXXX, online and as I am the only one of the four of us in the same state as the property I took two days and rented a hotel to see it in person. In order to view the apartment/townhome, we had to fill out a lease and put down the {$100.00} application fee as well as a {$350.00} deposit. When I arrived it was to find XXXX XXXX XXXX was not the clean and safe community advertised ; the streets were in disrepair, the garbage was overflowing onto the street and people 's possessions appeared to have been thrown out on the lawn. When we inspected the apartment itself not only was it outdated, there were cracks in windows and patio pavement, part of the stair railing missing, and old carpet in a filthy condition. As this was not at all what we'd been led to believe we were paying for I asked for our money returned. First with the community office, where they were very confrontational and when it became clear we could not reach an agreement I then contacted my credit card company to file a dispute. My credit card company refunded the money and XXXX agreed to send a check back. I informed the XXXX 's office multiple times that I would not open any mail or check addressed to the other three people on the lease as they do not live with me but the company sent a check addressed to the four of us to my address anyway., this was around XX/XX/XXXX. I sent it back. Recently, as of XXXX, I received a letter and three other letters addressed again to people who I'd informed the management at XXXX XXXX XXXX multiple times do not live with me. The letters were from a collection agency and the one addressed to me stated I owe XXXX XXXX XXXX {$400.00}. I can confirm they also requested the same amount from my potential roommates. After being promised a return of our money they are now requesting through a debt collecting company that we pay {$400.00} each ; and will damage our individual credit scores if not paid. I attempted to contact the debt collecting company, XXXX XXXX XXXX, and spoke with a representative who not only refused to transfer my call to a supervisor but hung up on me. I then attempted to call the Corporate Office for XXXX at XXXX and have yet to receive a call back after leaving a message about the situation. The application fee was {$100.00} if that is what they are requesting we pay, not {$400.00} each. I can only assume this is some sort of petty scam for extra money, the consequences of which are going to have a negative effect on my credit. I will also be contacting the XXXX XXXX XXXX on this matter.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed the inaccurate bankruptcy in my credit report. Recently I dispute the bankruptcy with XXXX XXXX and they have removed the item from my credit file. XXXX XXXX suggested I notify all 3 credit bureaus to remove the bankruptcy. This is your notification to remove the inaccurate bankruptcy
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-07
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This complaint is in regards to Nissan XXXX. I purchased and financed a vehicle for my sister as a co-signer to get her a new car and help build her credit. There was a technical error that involved payments not being withdrawn from my account. The issue went undetected for 3 months because I never received any written statement, phone call or email regarding the issue. Because my Sister was listed, she was the primary contact and never answered the call because Nissan may look like a spam caller.

My credit score has always been emmaculate and cash on hand has always been 4x this assets value. I reached out to explain my issue and was told to take it up with XXXX, their investigation did not result in any fixing of the issue. 

I have obtained an attorney and was told to start here with CFPB. Because of this issue, my credit score tanked XXXX pts ( somehow I didn't even get alerted. ). This impacts me greatly and affects my ability to buy a home if I choose to. 

I'm looking for assistance to work with Nissan to get this resolved. The automatic drafting has worked since speaking to their support. I have all records of cash on hand, credit history, and automatic withdrawals working now to support this case. 

Please halp XXXX
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX continues to report to the XXXX credit bureaus inaccurate and deliberate false information regarding the initial default date. You will see the attachment documents that support this again after several disputes and ignored by all. 

The proof is here in the documents provided to you.
Consumer complaint received 2022-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

This complaint is an addendum to XX/XX/2022, " CFPB complaint # XXXX, requesting arbitration. 

" Shellpoint '' has since provided more information proving breach of contract, violating RESPA, and UDDAP in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NC)

I've been having problems with my XXXX, been seeing a doctor in XXXX as a result I have XXXX  XXXX XXXX and XXXX, I have health insurance but still have to pay 20 % each time I go which is twice a month if not more. 
I filled out a loss Mitigation forms with loancare but the denial my claim. 
I just can't seem to get back on track with my payment. My mortgage payment is about to be 3 months behind, I've been sending them money as I have it but they aren't putting it on my mortgage payment. They just keep adding late fees.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern : I am writing to request that you waive the fees and allow me to skip a month of payment and move it to my last payment. Its true that I am late, but there were extenuating circumstances. 

However, on XX/XX/XXXX, a tornado hit the city in which I reside in. As you can imagine, my priorities instantly shifted. 

I will promptly resumed payments in XX/XX/XXXX, but by then it will be too late to avoid being assessed the late fee. Im also concerned that this will cause my interest rate to rise, or that it will otherwise affect my credit. 

Please consider reversing the fee in light of these unusual, one-time circumstances. I wish to remain in good standing with your company/agency. 

Appreciatively, XXXX XXXX
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/XXXX I sent a letter in writing to investigate accounts I wasnXXXX XXXX percent sure if the information was accurate or not so in letter I asked all three bureaus XXXX XXXX XXXX n XXXX to do an investigation all information from XXXX XXXX Capital One XXXX XXXX and XXXX XXXX bank came back as verified by all three bureaus I then pulled my credit report to find out the information wasnt XXXX percent accurate at all without proof of accounts being XXXX percent accurate they must be deleted well they wasnt accurate and all three bureaus continued to report the inaccurate information sent by XXXX XXXX Bank # XXXX, Capital One Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX Bank # XXXX all accounts continue to violate my rights by reporting inaccurate information to the credit bureaus who then reports to my credit file its stopping me from getting my dream house or my dream car a loan and lines of credit
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Friday XXXX XX/XX/2019, I got a letter from Capitol one showing I had an account with them with a {$1500.00} cash advance limit with them and a {$3000.00} credit card limit with them. 

Balance owed was {$0.00} Minimum payment was {$0.00} No invoice # on page. 
Account ending in XXXX Number @ Bottom of page : XXXX XXXX XXXX XXXX I called XXXX On Friday XXXX XX/XX/2019, @ XXXX XXXX  call lasted for 39 minutes. 

I asked for who I was speaking with and they would only give first names, if it really was their true name. They never gave me a full name, only 1 gave me a badge # if it is real. 

I spoke with : XXXX  but given no badge # XXXX Badge the badge number she gave me was # XXXX Document is included, 2 pages, both sides filmed. 

I asked for them to close the account, and asked for a confirmation # in which they would not give me one, and I was denied an answer. 

I asked for information of who opened this account, and was intentionally denied an answer. 


Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx List of actions requested : I need to know Who opened the account under my name and information. 

I need a confirmation # the account is permanently closed. 

I need a confirmation that any and all correspondences to any firm or firms by Capitol One that affect my fica score or any other type of credit score be immediately reversed, and documents stating such be delivered to me by e-mail below. 

I need Capitol One to completely remove all of my personal and intellectual property from all their data banks, and I need a correspondence stating they accomplished such. 

Any and all information about who opened this account. 

I do not think my request is unreasonable, I did not open this account. 

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Thank you for your time and expertise XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Ca. 
XXXX XXXX XXXX XXXX XXXX XXXX