davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
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: EQUIFAX, INC. (GA)

I have try to fix this problem mutiple times with the credit breau equifax I even sent them my identity theft report regarding this account is fraud do to identity theft and no one have not resolve the  problem its still showing on my equifax credit file I have disputed this multiple times Im disputing this again.
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: EQUIFAX, INC. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX  and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one acct no. XXXX .... is wrongfully, inaccurately and damaging speculatively in the hundreds of thousands of dollars appearing on my XXXX   credit report. 
After an average of 10 disputes per bureau, XXXX and XXXX  have deleted this account in spite of Capital one 's ruthless attempts to uphold their erroneous position. 
IN CIVIL DISCOVERY .... BY ME BRINGING ACTION ... AND HOPEFUL PROSECUTORY EFFORTS BY THE CFPB IT WILL BE DETERMINED THAT : THE CEO, XXXX XXXX OF CAPITAL ONE, HEADS A LAW BREAKING, FCRA DISRESPECTING, EXTORTIONATE, CRIMINAL ENTERPRISE. 
IT WILL BE DETERMINED IN DISCOVERY THAT CAPITAL ONE DOES NOT POSSESS ANY CHARGE, EVER, ON THE ABOVE NAMED ACCOUNT, THAT HAS MY WRITTEN AUTHORIZATION, SIGNATURE OR INITIALS, THAT MY IP ADDRESSES OF MY COMPUTERS AND PHONE WERE NOT USED IN ANY TRANSACTION, THAT I DID NOT ORDER BY PHONE AND THAT, INCLUSIVELY, HAVE NEVER MADE A SINGLE CHARGE OF ANY KIND ON THE ABOVE NAMED ACCOUNT.IN ADDITION, I NEVER PAID A PENNY TO CAPITAL ONE FOR ANY OF THE ID THEFT CHARGES.IT WILL ALSO BE DETERMINED THAT CAPITAL ONE 'S " BACK-WATER '' ACCOUNTING STYLE DEMONSTRATED IN THE TWO PREVIOUS CFPB RESPONSES ARE INACCURATE AT THE LEAST. 
THE ACCOUNT CLOSED WITH XXXX BALANCE AND MULTIPLE LATE PAYMENTS IN THE HISTORY.I NEVER MADE A CHARGE OR MADE A PAYMENT.THE ACCOUNT WAS NOT CHARGED OFF, WITH A BALANCE, OR WITHOUT A BALANCE, AND NO COLLECTION AGENCY EFFORTS WAS STARTED.CAPITAL ONE SIMPLY, WITHOUT CAUSE, DID PAPERWORK THAT RUINED MY CREDIT HISTORY ILLEGALLY AND UNJUSTIFIABLY. 
XXXX  DID NOT RECOGNIZE THE FEDERAL TRADE COMMISSION REPORT OF ID THEFT DATED XX/XX/XXXX, THAT THEY RECEIVED MULTIPLE TIMES. 
2019 AND XXXX  WHO PROBABLY CAN'T DECIPHER CAPITAL ONE 'S ACCOUNTING RECEIVED ... .OPTED TO SUPPORT CAPITAL ONE WITH MORE THAN 10 FRAUDULENT VERIFICATIONS. 
I CHALLENGE XXXX  TO DO A REAL INVESTIGATION, FOR THE FIRST TIME, AND ASK THEIR CLIENT CAPITAL ONE .... IF THEY HAVE ANY PROOF, MY SIGNATURE ON ANY CHARGE WHATSOEVER.ALSO, ASK CAPITAL ONE IF THEY HAVE A COPY OF ANY CHECK OR PROOF OF FUNDS I SENT THEM ... I DIDN'T SEND THEM A DIME.SO ... .I HAVE CREDIT REPORTING LATES ON CHARGES I DIDN'T MAKE AND THEN A GRANTOR BRINGING THE ACCOUNT TO XXXX PAID /CLOSED STATUS WHERE I NEVER PAID A BILL BECAUSE I NEVER MADE A CHARGE. 
ALL OF THE STATEMENTS ON THE ACCOUNT ARE THE RESULT OF CAPITAL ONE 'S " ADJUSTMENTS '' I WOULD BE HAPPY TO PROVIDE XXXX  WITH ANY ID THEFT AFFIDAVITS OR ANYTHING THEY MIGHT REQUIRE TO SUPPRESS THIS ERRONEOUS ACCOUNT AND WOULD DEMAND THAT XXXX  CO-OPERATE TO DO THIS SO THAT THEY CAN ALSO OBEY THE FCRA DICTATED PROCESS REGARDING ID THEFT REGARDLESS OF THE OPINION OF THEIR CLIENT CAPITAL ONE. 
CREDIT DAMAGES ARE MOUNTING ... I AM BUSY IN XXXX TREATMENT WITH CO-PAYS.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2019-11-16
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: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2019, I was double billed by Navy Federal Credit Union ( NFCY ) for a car I rented in XXXX XXXX, Iowa. 

I reported the matter in upon receipt of the credit card bill per the Fair Credit Billing Act ( FCBA ), and again in XXXX. Please see Pages 1 - 11 of the attachment. 
NFCU acknowledged the dispute on XXXX XX/XX/2019. Please see Page 13 of the attachment. 

During XXXX and XXXX, I responded to NFCU 's questions. A record on these interactions is provided as Pages 13 - 18 through 33 - 51 of the attachment. 

On XX/XX/2019, NFCU advised that they were refusing to reverse the duplicate charge, noting, " As of the date of this letter, we have not received any correspondence from you. Therefore, we have concluded or investigation and determined that no billing error occurred. '' Please see page 52 of the attachment. 

Today, XX/XX/2019, I called NFCU and requested to speak to an ombudsman or someone higher up the chain authorized to discuss disputes. I was instead forwarded to the same Credit Card Chargeback and Resolution Section that had previously denied my claim. The agent, who gave her name only as XXXX but refused to provide a last name, first denied that NFCU had ever received any correspondence from me. 

When I noted that I have Express Mail Receipts signed by XXXX XXXX and marked " agent '' ( please see Pages 13 and 33 ), XXXX changed her position and admitted NFCU had in fact received my responses. She then said that the time NFCU is prepared to spend on this has expired, and the credit union refuses to reverse the charges. 

When I again asked to speak to a credit union ombudsman or similar official for higher level appeals, XXXX announced that there was no such position and the matter was closed. 

I ask that your office review the attachment in accordance with relevant Federal laws, and advise whether or not NFCU acted correctly. If not, I ask what options I have under the law going forward to reverse this double billing and the interest NFCU is charging for it. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (WI)

Approximately two month 's ago I was informed by BMO Harris Bank of ( XXXX XXXX, WI XXXX ), by a teller that I had extra account ( s ) in my name ( showed up under my personal account information ). Estimated date was XX/XX/XXXX. I dismissed that info provided by the teller ( thinking it was an error on the teller 's part ). one week later, I went to BMO ( same location ) and performed a transaction inside the bank. Upon making a withdrawal from my individual checking acct the teller had asked me which acct I wanted the funds to be pulled out of? My individual acct or my premium money market acct. I declared my individual acct. After the completion of that transaction I requested to speak with an acct representative. The rep ( XXXX XXXX ) is whom I spoke with. I had inquired with Ms. XXXX about obtaining some deposit history to my individual checking acct. When Ms. XXXX opened my acct information, an additional acct showed up ( MM Acct ). Ms. XXXX inquired, which acct? I said the individual checking. She said the info that I requested would take a few days to acquire the documents. Then, I requested information on the ( MM Acct ), that is or has my name and personal info attached to the acct ( as it appears each time I utilize the bank for a transaction ). Ms. XXXX played down my inquiry. Refused to disclose the acct holder 's name, refused to release any info to that MM acct that has/had my name on it. I became angry, angry in fear of someone having my acct information, utilizing my name on an acct that I did not open, that I did not provide a signature to the acct. I'm in fear of being held responsible for fraudulent activities. Ms. XXXX, only stated that I maybe receiving a small inheritance., a beneficiary possibly. THIS WAS NOT AN ACCEPTABLE RESPONSE! ... Now, on XX/XX/XXXX I spoke with acct rep Mr. XXXX XXXX, I had made an inquiry about the mm acct. The rep stated there was no other account showing up other than my own two ( individual checking & savings ). This tells me an acct representative move that mm acct off of ID, but it does not assure me that my name is removed from the mm acct and a CD acct. I expect absolute assurance that my name has been removed from these acct 's, ( not just moved off my ID and placed on a different board whereas it no longer shows up with my board/ID.
Consumer complaint received 2019-11-16
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: EQUIFAX, INC. (NY)

Equifax refuses to remove an address and a collections account that are fraudulent for over 30 days. A XXXX, AZ address appeared on my credit report as a result of identity theft, and I have submitted disputes 5 different times, but the address still appears in my account! Additionally, a collections account from XXXX XXXX XXXX has already been resolved and closed due to identity theft fraud, yet Equifax ignores any request to remove it from my report. All representatives are unhelpful and say these accounts are removed, but I STILL SEE THEM IN THE EQUIFAX PORTAL AS UNRESOLVED. Equifax is intentionally ignoring proof of identity theft and intentionally leaving fraudulent information on my credit report, ruining my credit score and access to credit due to a fraudulent account from over 6 months ago that has already been proven as identity theft.
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (TX)

On XX/XX/19, I received a notification indicating that my account has a draft pending, which was not supposedly to be draft until the XXXX. Now when, I set this up I was with a Branch Manager who explained the policy and procedures on setting up an ACH. He stated that they will process my ACH 48 hours before the due date. Well low and behold the drafted my account on the XXXX of the month. Instead of my pay period and due date. Which was not explained to me that this was going to happen, unfortunately, Im out of the states with no cash because of this erroneous banking error. I immediately contact the online service to find out why was this been drafted so early.. To be told by the online manager XXXX XXXX that the branch manger XXXX XXXX gave me misleading information. That they drafts out of the account 7days early. I told the rep that I asked XXXX XXXX how does the ach works. He told me 48 hours for a electronic payment. I requested to speak to XXXX supervisor since he couldnt help me, considering the fact that he said it was set up for an ach but the system is reading it has a check draft which will cause them to draft early not electronic daft like my first draft and I was denied. So I contacted the self service banking again to see if I can speak with a different manager to help with this error to only be told that they cant help me and that I will have to wait until Monday to fix the issue. Now Im left with no funds out of state based upon the misleading information and banking error that was told to me by an higher pay rate personal. My concern is how is that a branch manager banking information differs from a calls center information. When they are working on the same platform banking policy and procedures. No compassion nor concern when I was assisted by one of their upper management member to set this up.
Consumer complaint received 2019-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MS)

First, let me give background. I am unsure of the debt and why there is an attempt to collect. I previously received information from XXXX XXXX XXXX, who provided the attached letter about the inability to validate.

I want the initial communication from ERC, required under 809 ( a ) of the Fair Debt Collection Practices Act, to dispute the debt and request validation of this supposed, as a previous collection agency tried to do so and had to send that letter. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute, not from whatever day ERC claims to have mailed it. I have not received the information, regardless of when it was mailed out, and it is on my credit report.
Consumer complaint received 2019-11-16
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: Curfin Holding Company, Inc (IL)

Greater chicago finance company in XXXX XXXX Illinois fraudulently accessed my credit report 4 times without my permission or acknowledgement. I did not authorize them to check my credit on no occasion after XX/XX/2015 Please investigate this abuse and remove the hard inquirys from my report
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the fair credit reporting the following : capital one ( XXXX XXXX XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX ), and XXXX ( XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX ) has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a- Definitions : rules of construction Exclusions.-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose I have contacted these companies with no success.
Consumer complaint received 2019-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (OR)

Midwest Recovery Systems reported on XX/XX/XXXX a collection on my XXXX  credit report for {$530.00}. When I contacted the number listed, they say the original creditor was XXXX XXXX and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company XXXX XXXX that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland funding LLC sued me on a time barred debt on XX/XX/2019. 

The following is the garnishment on my wages from a time barred debt. 

XX/XX/2019 Garnishment {$250.00} XX/XX/2019 Garnishment {$37.00}
Consumer complaint received 2019-08-08
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: AMERICAN EXPRESS COMPANY (AR)

I applied for a XXXX with the promo attached to this form. I spoke with 4 reps. First rep said that the XXXX XXXX point offer was on my account and promised that I would receive it, but the part of the offer about the {$100.00} statement credit was not on my account and he would submit a ticket for investigation and gave me reference number : XXXX Second rep said to wait on the investigation on the {$100.00} but reassured and promised that the XXXX were coming. 
Third rep said the {$100.00} statement credit came from XXXX, not Amex and to call XXXX Fourth rep said I gamed the system because I closed an account with them a long time ago ( A cashback card ) and I could not get either the points or credit. I explained the situation behind the closed account : It was my first card with Amex and I upgraded it and got another card ( the green card ) with no bonus because I liked Amex, also because I liked them, I referred a friend. Neither her nor me received our referral bonus. Amex refused to help, saying that we did something wrong and that a system error was impossible. I was frustrated at the poor way Amex handled the situation and therefore ended my relationship with Amex. Then, about a year later, Amex sent me an apology letter and made things right, so I decided to give them another try. I was not gaming them ... 
I also, was not notified that I was ineligible, as the forth rep said I was. 
I asked him to consider if he were to buy a computer at the store that said in big letters 8GB RAM, then in fine print on the back said may not be 8GB RAM. I asked if he would feel cheated after he bought it and found out that the store did the bait and switch on him. He didn't answer/ignored that hypothetical scenario ...