davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have been XXXX  in the XXXX XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX since XX/XX/2007. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to capital one regarding the XXXX store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. 
Where capital one denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account, they sent any credit card to a prison. Any address on my credit report is a result of my Identity being stolen. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so.
Consumer complaint received 2021-10-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: (Former)Shapiro, Swertfeger & Hasty, LLP (IL)

Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX, XXXX XXXX  stealing the assets of the Heir XXXX XXXX XXXX at our family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

They sued my deceased parents which is legally impossible ( NO SERVICE OF SUMMONS ON MY DECEASED PARENTS ) The Mortgage Insurance premiums that my deceased parents paid for, paid off XXXX XXXX  on XX/XX/2013 in the amount of {$97000.00}, FHA Case # XXXX. 

After they got paid they continued to foreclose against my deceased parents which you can not do, Pursuant the Illinois Judicial Foreclosure Law 735 ILCS 5/15-1501 ( a ) ( i ) Which makes a Mortgagor a necessary party and a indispensable party to a foreclosure action. 

Then they sued me a non-mortgagor and stole the assets of the Heir XXXX XXXX XXXX and even my personal property at our lifelong family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

The law of Intestate succession was violated and stolen pursuant Federal and State of Illinois Law of Decent and Distribution : XXXX ILCS XXXX ( b ) Which reads in part ; ( If there is no surviving spouse but a descedent of the decedent : the entire estate to the descedent per XXXX ) Once again XXXX XXXX XXXX XXXX XXXX  their attorneys have committed fraud and theft of the assets of the Heir XXXX XXXX XXXX XXXX the Son and Next of Kin of XXXX XXXX XXXX and XXXX XXXX XXXX , they have falsified, the character, amount and legal status of the debt when they got paid by the XXXX Insurance that my parents paid for on XX/XX/2013 in the amount of {$97000.00} on XXXX. 

Once again the assets of the Heir XXXX XXXX XXXX Pursuant 755 ILCS 5/2-1 ( b ) was threatened, abused, harrassed, Vandalised, tresspassed, evicted and stolen by the Bank, their attorneys and the court. 

The Heir XXXX XXXX XXXX never signed a note in the amount of {$100000.00} The Heir XXXX XXXX XXXX never signed a mortgage in the amount of {$100000.00} The Heir XXXX XXXX XXXX never borrowed any money from XXXX XXXX  and XXXX XXXX  in the amount of {$100000.00} The assets of the Heir XXXX XXXX XXXX the Son of XXXX XXXX XXXX and XXXX XXXX XXXX ( My Parents ) Was XXXX, XXXX, tresspassed, Usurped, Vandalised, Evicted and stolen by The Bank, their attorneys www.logs.com and elected and appointed officials of XXXX XXXX, XXXX, Illinois. 

Once again XXXX XXXX  got paid on XX/XX/2013 in the amount of {$97000.00} They have stolen the assets of the Heir XXXX XXXX XXXX pursuant the Law of Decent and Distribution 755 ILCS 5/2-1 ( b )
Consumer complaint received 2022-06-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KS)

I wrote a dispute letter to Experian and made several disputes online stating that they are showing incorrect information regarding ( XXXX XXXX  ) account. According to their report, they are stating that I've been late for three months which is false. They can't even tell me how much money was owed or anything. I have shown them proof that I did make the payments on time and proof of a check that XXXX XXXX issued me because they overcharged me. To top it off, they made the check to the wrong name and they had to reissue me a new check with my correct name.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-14
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. (TX)

On XX/XX/XXXX an account was opened and I was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I am a consumer and the original creditor. I've sent an invoice trying to settle with XXXX, still no response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report. This is my 2nd time trying to resolve this issue.
Consumer complaint received 2022-10-12
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. (MI)

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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-14
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: Resurgent Capital Services L.P. (GA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2020-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had recently finished XXXX XXXX and I was applying to every job search engine I could. I was under tremendous stress from both parental and employment factors to find a job using my education. On XX/XX/2015 I was contacted via email by a woman named XXXX XXXX from a company called XXXX XXXX. She said she was from the HR department and that she found my resume on the internet. She also like my education and job experience. The position was for XXXX XXXX XXXX XXXX XXXX, which was right up my alley. She asked me to fill out an application via email and that she would review it and get back to me. She said the company reviewed my application and they wanted me to begin initial online training. I was assigned a training manager by the name of XXXX XXXX. He had my do various exercises and we began a training process. Once training progressed, XXXX told me I would be purchasing items they would need to open other offices around the US. He told me to temporarily apply funds from their corporate account to my Capital One credit card until I was given a corporate card from the company. I was given addresses of where to send the items I purchased and report to XXXX upon completion of each assignment. Roughly 4 weeks later Capital One reached out to me and wanted to speak with the account holder and not thinking anything of it, I told them no problem. I have been worrying with XXXX XXXX and it is their corporate account. When I tried to reach out to XXXX and XXXX they were unreachable. The company website was useless, all phone numbers were useless and email communication suddenly stopped. I felt like I had just been kicked in the stomach. I was the victim of an employment scam and I didn't even see it coming. I tried to explain this to Capital One and they didn't care. They just said I was responsible for the money. Roughly XXXX XXXX dollars was dumped on my card all at once. I told them I couldn't afford to pay that. They couldn't care less. I have tried debt settlement to no avail. I tried challenging and disputes. All failed. I have been dealing with this for 4 years and it is devastating to my credit score and my ability to to move on with my life. I just need help.
Consumer complaint received 2022-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

I received a letter in the mail dated XX/XX/XXXX. It states that I owe money from my subsidized loans that is due by XX/XX/XXXX. This is incorrect because payment on all my loans is deferred ( along with everyone elses ). In addition, it doesnt list any minimum amount due for my two unsub loans. 

I was making payments earlier this year. I also had issues online trying to pay off only my unsub loans but it wouldnt let me pay the unsub loans without making payments to all my other loans. I decided to cancel all loan payments.
Consumer complaint received 2022-04-13
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: CLGF Holdco 1, LLC (CA)

XXXX XXXX XXXX XXXX of XXXX Genesis Credit has taken adverse action against me, with forethought and malice, by furnishing grossly inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 

I am acutely aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Genesis Credit before it was furnished. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Genesis Credit to furnish any late payments to my consumer report. It is my belief that due to Genesis Credit 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: AMERIS BANCORP (GA)

Deposited a insurance check for XXXX on XX/XX/XXXX from insurance company. It was placed on hold and released by branch manager. On XX/XX/XXXX went into branch to withdraw funds which was approved again. The next day the check came back as return item as the check was stopped due to vehicle being totaled instead of repairable and I was never advised it was stopped. The branch manager called me a threatened me saying the check came back fraudulent when it was a legitimate check I just did not know a stop payment was placed. The branch manager stated she only released it because it was gon na clear next day. Now they are trying to place a warrant for my arrest when they have all the documents I sent over to prove this check was legit. I called Customer service and they advised check was not fraud it came back as just a return stop pay. The branch manager then deleted the image so no one could see it was a stop payment and it a fictitious or fraudulent transaction. I will sue this bank if my character or name continues to be defamed or if I am arrested for any fictitious matter
Consumer complaint received 2023-05-12
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: Nelnet, Inc. (OH)

I was able to seek legal advice about information and experiences that can be shared onto my consumer report. From my research I noticed that Congress granted everyone rights as an consumer dealing with our consumer reports. There are several laws this company have purposely ignored by furnishing this account onto my consumer report for over a decade now. I was able to reach out to all 3 bureaus that were reporting this account and requested to have it removed and only 1 of the 3 complied. This lead up to me now filing an complaint. Violation codes are as follows : 15 U.S. Code 1666b ; 15 U.S. Code 1681b ; 15 U.S. Code 1681e. Delete account immediately. I do not consent to you furnishing my account with any XXXX party agencies. The transactions and experiences should not be shared with any other companies without my consent.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

Experian dropped my credit score 10 points for no reason. When asked why this is what they sent me but none of it applies : Dear XXXX XXXX : Thank you for contacting Experian. Since we are not licensed credit advisors, we can not attempt to explain exactly why your score changed. Still, we would like to provide some information you may find helpful. 

Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported Your credit card balances have climbed An account was opened or closed Youve recently applied for new credit An account on your credit report has aged off Credit scores are calculated based on the information in your credit report. Please note that credit scores can vary depending on the scoring model used ( examples : XXXX  or XXXX ). Additionally, credit scores can vary based on which credit reporting agency supplied the report. The score is based on your report and creditors are not required to report to all credit bureaus. The three major consumer credit reporting agencies in the U.S. are Experian, XXXX  and XXXX. Experian memberships utilize Experian credit reports and the XXXX  Score 8 model. 

The primary factors that determine a persons XXXX  credit score are : 35 % based on payment history 30 % based on amount of credit utilization 15 % based on the length of your credit history 10 % based on hard credit inquiries 10 % based on types of credit ( revolving, installment, etc. ) You may learn more about credit at https : //www.experian.com/blogs/ask-experian/ Sincerely, Your Team at Experian
Consumer complaint received 2022-06-23
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX name XXXX XXXX XXXX account # XXXX, XXXX XXXX name XXXX XXXX XXXX Account # XXXX, XXXX XXXX name XXXX, 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.
Consumer complaint received 2021-04-23
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX creditor : 01 XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX Original creditor : XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-06-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IN)

On XX/XX/2022, I received a summons to court to appear for a debt that is well beyond the statute of limitations for my state, that I was not made aware of ( no notice from this debt collection company ) and is no longer on my credit report.
Consumer complaint received 2022-06-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I am a United States retired XXXX, XXXX I used a VA fixed XXXX for 30 year on a XXXX home. Payment at closing with XXXX XXXX  on XXXX XXXX payment was set XXXX month. From day one my loan was purchased moved to XXXXXXXX XXXX XXXX XXXXXXXX, from day one they started changing my monthly payment first by XXXX, XXXX it just kept going up. I have never missed a paymnet. On XXXX the predator company report my LOAN to VA home loan as Perforclosure. I iquickly call VA homeloan to tell them I had nit miss a payment. I never heard back from VA XXXX XXXX. This year my property tax has increased 150 %, a increase of XXXX in one year. From a XXXX home XXXX property assessment which again drives up my mortgage and home insurance I QUALIFED for this XXXX townhome off my military retirement and a portion of VA XXXX. for the last 2 years LAKEVIEW claims they RETURN al my payments total XXXX I send to Lakview, Lakeview reported to VA they had not received a payment since XX/XX/XXXX, I present copies and receipts showing I paid XXXX from XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a savings account with Capital One through my company. I would like to withdraw my money. I can not. Whenever I try to, I get the error, " Looks like we need to fix something, so we're working on it. Try again in a bit, or give us a call at XXXX, and we'll help you sort it out. '' I suspect that this error is related to the fact that I already made one large withdrawal over a week ago, but that's not what the error says, and the funds are mine to move as I see fit. When I tried calling the telephone number in a similar situation in the past, the agent was unhelpful and could not explain what was actually wrong.
Consumer complaint received 2022-06-23
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Auto Properties II, LLC (MD)

While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through XXXX XXXX XXXX XXXX at XXXX XXXX XXXX VA XXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs around XXXX a year later. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today they have contacted my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$10000.00} of my salaried money using this illegal tactic.