davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom This May Concern, Pursuant to 15 USC 1681a under Exclusion section B, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Congress said any card. The credit card is my social security card. This credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).

Pursuant to 15 USC 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. When a consumer report creates an investigative consumer report, they are not to include factual information and they're also supposed to interview my neighbors and friends or associates. Credit reporting is optional. There is no law saying that any consumer credit transaction has to be reported to a consumer reporting agency. A consumer reporting agency isn't a part of any political subdivision or the government. At the beginning of the FCRA under the congressional findings, Congress removed themselves from liability letting me know that this is an elaborate mechanism and you people assumed this vital role of reporting credit information.

I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. If you do not remove it then you are civilly liable for reporting this information and it is inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-07
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: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (MI)

To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX  and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.
Consumer complaint received 2022-07-30
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: CITIBANK, N.A. (CA)

A payment was collected for two months of service for the insurance of my appliances. Sears mastercard is claiming that they never received the payment. I showed them proof as they requested and now they are saying that is not enough. It shows the payment was taken out of my checking account twice, and I also spoke to representatives that told me that there was no problem with the account. Sears stated that for XXXX  2022 and XXXX  2022 the insurance hadn't been paid so on XXXX XXXX, XXXX I paid {$49.00} twice which shows in my statement from my checking account. I started receiving the statement that I was past due for those two months. I ended up owing XXXX  2022, and they wouldn't allow me to make the single payment because they were adding the past due amount, they claim I owe with the penalty amount. I sent proof twice of all my receipts and the first time they disregarded everything I mailed. The second letter stated they need proof where it shows the charge was showing in a matter of a bank statement. I sent that to them twice, and there still saying is not sufficient. There are nonstop phone calls to me from Sears and when I call into customer service, they don't want to hear anything.
Consumer complaint received 2022-07-30
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. (SC)

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXK ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$670.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MS)

Account name : PROCOLLECT , INC Acct # XXXX Date opened : XX/XX/2019 Balance : {$1300.00} Acct type : Collection account I have submitted several disputes against this charge and nothing has been done about it. I do not owe this company any money. I have explained this several times and because the company has submitted false information I have this debt on my credit report that they will not remove from it.
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (DC)

Hello, I am requesting a special courtesy removal of a delinquency on my credit report from a PNC credit card I held in 2019. Because this was my first time using a credit card and I found myself in an emergency situation, I was suddenly unable to pay my minimum payments on time and incurred a large debt. However, I have since settled the charge off with a third-party collector. Despite this, PNC has refused to remove the negative item from my credit report. I would like PNC to consider the special courtesy removal, especially because during the time I was forced to settle the payment, I lost my home in a fire and had many emergency costs. I have included a letter from the Office of XXXX XXXX in XXXX XXXX DC to verify. Please consider my request for removal given these challenging circumstances. 

Best, XXXX XXXX
Consumer complaint received 2021-07-07
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: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I have tried for several months to get an issue resolved of a {$400.00} charge and a {$250.00} charge since XX/XX/2020 and the credit card company won't issue me a refund because they state it's over the allotted time but I have been in contact with HSBC regarding this matter multiple times and still nothing I am not paying for something I believe I should of never been charged in the 1st place from XXXX XXXX till the problems I was having were fixed properly then they could have charged me for a XXXXXXXX XXXX XXXX on my car. I refuse to pay this amount of money {$650.00} I think HSBC should have to eat this amount with all the running around I have gotten over the last several months.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-10-23
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. (NV)

I receive a copy of my credit report after both my husband and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither one of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$9700.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

To whom it may concern, I'm with Lakeview loan care. It has been nothing but problems since they bought my loan. For some reason, there is always a payment issue. They failed to pay my 2020 taxes which cause my county to send me a letter requesting money and stating the possibility of adding a lean-to my house. Also, after refinancing my house back in XXXX last year, the closing department kept my escrow money in a separate account collecting interest. For that reason, my escrow accounts hard a shortage and cause Lakeview to plan to raise my mortgage due to no fault of mine. My county returned the tax money back to Lakeview, but they still told me that I have a shortage, after receiving the money back from the tax collector. I strongly believe that Lakeview loan care is careless and not properly taking care of the customer and needs to be audited. My escrow money was missing for 8 months and no one was able to tell me where that money was. Because of the poor service, I had to refinance my home with a new company 8 months later. I believe that I'm in the title for whatever interest that Lakeview accumulated from my escrow account for placing it in a different account and not placing it in my new loan account. I believe this company needs to audit and shut down for trying to take money away from customers. Please and please audit this company. I strongly believe that they are frauding people and I like to get my money back.
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Items that were removed from my XXXX  credit report are placed back on my report. 
I have filed a dispute in regards to the incorrect items on my credit report, which has been well over 30 days.
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was laid off in 2020 due to covid. I was behind on car payments. Made arrangements with Capital One Auto Finance to get current. I kept agreement and am now current. Capital One is still reporting payments as late. Per the CARES Act Sect 4021 : If furnisher makes an accomodation with respect to 1 or more payments on a credit obligation, and the consumer makes the payments pursuant to the accomodation, the furnisher shall report the credit obligation as current. 

I have called Capitol One, I have disputed with the credit agencies and my credit report still shows 6 payments as late. I would like all of these changed to report as current.

Capitol One Auto Finance Account # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX Citizens bank charged me an overdraft fee of XXXX dollars and my account never overdrafted When I tried getting it fixed I got every excuse from you cant see what we can see on the app we provide you so you need to log into a computer and check your actual account to make sure they match clear to the transactions that you have your card set to not be able to make if you dont have money overdrafted it, to we cant just take XXXX dollars out of your savings so you dont overdraft your account even though you have it, we instead need to charge you XXXX and it doesnt matter if you have it set up to not be able to use your card if its going to overdraft I am sending pictures They charge what I can see and what days things are where on my ledger constantly and I feel like its a dishonest deceitful means to obtain overdrafts from ppl who had money in their accounts and wouldnt normally do it Its shady Its unethical And they need to go by what they show the customer on their ledger and not use the excuse well you cant see the same stuff I can Ok why??? Thats disturbing My version of my money I let Citizens hold, shows I never went into red
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/2021 Capital One received a Deletion Request letter from me letting them know that I ( the consumer ) Demand that they remove my information from their systems and any third party agencies that they have given ( without my consent ) my information to. 

On XX/XX/2021 Capital One responded with the attached letter stating that they will not remove my information and that it will remain for XXXX years. 

On XX/XX/2021 i called Capital One and spoke with Supervisor XXXX XXXX XXXX XXXX. When XXXX got on the line she stated her credentials. She also advised me that I was on a recorded line. I replied to her that he is also being recorded on my behalf, and that I am in a one party state and on need my consent to record. XXXX then disconnected the call. 

On XX/XX/2021 I called back and spoke with Agent XXXX XXXX XXXX XXXX. XXXX advised me that i was on a recorded line. I then advised XXXX that she is also being recorded and that i am a one party state and only need my consent. I then asked XXXX to transfer me to a supervisor and she transferred me to XXXX XXXX XXXX XXXX. When XXXX got on the call she advised me that i was on a recorded line. I then advised her that she is also on a recorded line on my behalf and that i am a one party state and only need my consent. XXXX then asked me to stop recording and i refused to do so. XXXX disconnect the call. 

Capital One is Violating my consumer RIGHT TO PRIVACY 15 U. S. Code 1681 ( a ) ( 4 ).

Capital One was never given written permission to report any of my information 15 U.S. Code 1681b ( a ) ( 2 ).

Capital One is not the original creditor and can not report anything that pertains to me unless I ( The original Creditor/ Consumer ) give them permission to do so. 

Capital One is committing IDENTITY THEFT FRAUD. The have my person information and have transferred my person information with out my consent 18 U.S. Code 1028A ( a ) ( 1 ) The information that Capital One is reporting on my consumer report is negatively impacting my score and I DEMAND that it be removed IMMEDIATLY.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report, to my surprise the bureaus are reporting the account # XXXX INACCURATELY. 

This collection account is reporting not only as OPEN but also shows a INCORRECT balance of across the three bureaus. XXXX has correctly deleted the aaccount at my request, Experian and XXXX have not and are reporting inaccurate information. XXXX shows a balance of {$1900.00} and Experian shows {$1900.00}. 

Also, not only are both Experian and XXXX still reporting inaccurate and incorrect information that XXXX has already rightfully removed, but they show inaccurate date of last activity. Experian reports XX/XX/2022, XXXX reports XX/XX/2022. 

Also, Experian and XXXX both inaccurately report the number of closed accounts. They both report one, while XXXX correctly reports XXXX. The number of derogatory accounts id also inconsistent across the three bureaus. XXXX correctly reports XXXX, while Experian and XXXX report one. 

According to the FCRA, I have the right to an accurate credit report. It also states that reporting this harmful inaccurate information can allow me to sue for damages. 

Please Delete this account ( XXXX ) immediately from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion, ( Account Name : XXXX XXXX XXXXXXXX XXXX  ) ( Account Number # XXXX ) Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy, completeness, and deletion of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (GA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

On I discovered ( RESURGENT CAPITAL SERVICES L.P ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.