davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

As a victim of identity theft for over 7 different fraud accounts, I was able to dispute, solve and remove all these accounts from my 3 major credit reports with the credit bureaus and by directly contacting the creditors, except for Capital One credit company. I had a Capital One credit card which I permanently closed back in XXXX. However, CO informed me that a fraud account was opened under my name back in XXXX but never been used, and they captured this fraud account and closed it around a week ago. I have contacted Capital One few times to request that all their information to be removed from my credit reports, including the fraud account that they captured and has no outstanding balance or dues, as it indicate negative effect on my credit score. However, Capital One refused to remove these data or to request the 3 major credit bureaus to remove these accounts from their data. Capital One also refused to provide me with the account or card number. The agents and managers that I spoke to in Capital One claimed that this is their policy and regulations that they have to follow! Capital One has been always the worst creditor ever and the least who cares about their customers, and this is what made me close my account back in XXXX. I need all data and info related to Capital One to be permanently removed from any credit report belongs to me.
Consumer complaint received 2022-12-31
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have a problem with my credit report, and I submit a complaint with the credit bureaus such as Transunion, XXXX and XXXX, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.
Consumer complaint received 2022-12-30
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (NC)

On XX/XX/XXXX we noticed that LendingPoint had taken their   payment out of {$830.00}. XXXX early XXXX approx XXXX I notified LendingPoint that my employment was still impacted by COVID19 and I hadnt yet secured a job thus unable to pay and to stop automatic withdrawal. LendingPoint had allowed in XXXX of 3 months with good faith payments of {$72.00}, {$72.00}, {$100.00}. On the XXXX they took our entire payment of {$830.00} without approval or permission via request to cease auto withdraw. 
I called and spoke to representative XXXX XXXX who acknowledged the error apologized and assured escalation to upper management and a refund of the unauthorized withdrawal within 24-48 hours. As of XX/XX/15 this has not yet been refunded causing multiple overdraft fees in my account and inability to purchase necessities for everyday life. We have contacted via phone and email representatives with LendingPoint since the expiration of the 72 hours who have assured us its being processed but it still has not.
Consumer complaint received 2020-10-07
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. (TN)

Hey, My name is XXXX XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC. (FL)

This collection company has violated a lot of serious laws. They have admitted that they did not have my correct address in the previous complaint which was an inaccuracy and per FCRA section 609 any inaccurate information must be deleted. They continued to violated FCRA, they have sent me my medical bills without showing VALIDATION instead they sent verification. They also sent my medical information through email unsecured and sending my health information which is a HIPAA violation. I have contacted my state attorney and they have advised me to work this out with the company before they step into legal action. I will give them another chance to delete their negative reporting and send it back to the original creditor because I have never gotten a notice to validate before they put this negative reporting on my credit and it is affecting me in getting credit. I will proceed with a Hipaa complaint through HHS if it is not resolved, the original creditor never got a signature to release my personal health information
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Toyota Financial services is report on my that I have had 3 late payments. My account was set on auto payment but for some reason it was cancelled in XXXX. Toyota is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. Toyota will not help and it is messing our process of purchasing our home.
Consumer complaint received 2020-10-15
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: TRUIST FINANCIAL CORPORATION (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. At XXXXXXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Consumer complaint received 2022-09-11
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX. 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 2020-10-15
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: Experian Information Solutions Inc. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

On XX/XX/XXXX, I sent a request to United Revenue Corp asking the company to validate four separate medical debt, by sending a breakdown of the fees, to provide a copy of my signature authorizing release of my medical information and I asked them to also validate the  debt ( when it became first delinquent and etc ). On XX/XX/XXXX, I received a letter advising me that it was frivolous attempt for the account with the amount of XXXX. I never received any validation attempts. On XX/XX/XXXX, I received billing statements for 3 different accounts on their letterhead which still doesn't provide me with all that is needed to validate the debts. On  XXXX, I resent a request to the company for 4 debts requesting the info I need to validate the debts. On XX/XX/XXXX, I received more letters from URC stating that these were frivolous attempts and they provided the necesaary information, which they did not.
Consumer complaint received 2022-06-04
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. (IL)

I have several inquiries on my Equifax credit report that do not belong to me that have to be a result of fraudulent activity. Ive tried on multiple occasions to have them removed, but Equifax is refusing to remove them. I have no accounts with these companies nor have I ever given these companies consent to run my credit. The accounts and dates are as followed : XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX on XX/XX/XXXX. I am requesting that all of these inquiries be removed immediately as they arent mine. Thank you.
Consumer complaint received 2022-10-18
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. (LA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-10-15
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: National Credit Adjusters, LLC (TX)

On XXXX, I submitted an investigation to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) for the National Credit Adjusters. On XX/XX/XXXX, National Credit Adjusters sent a letter stating that they are not able to comply with FCRA and CFPB laws that were in place for validating the debt and cease collection activities. On XXXX, the bureaus verified that the debt was mine. On XX/XX/XXXX, I resubmitted the investigation request and a method of validation. On XXXX, XXXX  removed the account. To this day, XXXX and XXXX  both have continued to state that the debt has been verified. The debt has not been validated and XXXX advised filing a complaint.
Consumer complaint received 2022-11-04
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 (NV)

I received, over the course of several months, several promotional pieces of mail from XXXX XXXX advertising a signing bonus with an American Express XXXX XXXX card that promised " XXXX ( to XXXX ) bonus miles '' after spending " {$2000.00} in the first three months '' of the card opening. I met the spending requirements for the signing bonus but did not receive the promotional offer as advertised. I inquired with American Express when I will be receiving them and they informed me that because I obtained the signing bonus in 2019 that I wouldn't be eligible for them again. At no point did either company make it clear that I wouldn't be eligible for the signing bonus albeit repeatedly sending me the offer in the mail to entice me to apply for their credit card anyway.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

Today ( XX/XX/2022 ) I tried to make a purchase with my Citi AAdvantage XXXX XXXX credit card. It was declined right away. 
After checking my remaining available credit I figured that it is too low for that purchase. 
However, the payment for the XX/XX/2022 statement was processed on XX/XX/XXXX which should have given me more than enough remaining available credit. 
I called Citi and tried to solve the problem so that they apply the XX/XX/XXXX payment to my credit card account. After almost 1 hour and thereof 30 minutes waiting for a supervisor I hung up. 
Then I called the company I made the purchase with to split the payment among 2 credit cards. Also that payment didn't go through because now it got flagged as 'fraud '. I called Citi again and had to go through a ridiculous verification process : they didn't accept both of my XXXX mobile phone lines ( no reasons given ) - one of them a company mobile phone, I answered all of their security questions correctly, but it still was not enough to verify it's me. Then they wanted another credit card, from another credit card company, to verify. I gave them my XXXX credit card and they called XXXX to verify me. After another 10 minutes they came back to go through every single purchase I made over the last 2 weeks. 
I think they unjustly deny access to my money which is not acceptable.
Consumer complaint received 2020-10-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

Hello yes Im filing a complaint on National Credit Adjusters in reference to a pay day loan thats not mine that they said I had with XXXX XXXX. This fraudulent account has been resolved earlier this year which was bought by another collection agency and has been deleted and removed from my credit report. This National Credit Adjusters are now calling me about a fraudulent debt that has been taken care of and trying to use these scare tactics and threatening to put this back on my credit after this account has been removed by the credit bureau. I told them to stop harassing me about this and they still sent letters to my place of residence and its just very annoying especially when hes constantly stating and saying yes it is your debt we have your signature and contract which I know thats a lie. I am at the point where Im going to file a law suit for them harassing and calling my phone over and over from different numbers after I told them to stop calling me. I cant remember the guys name I talked to but he kept insisting that it was my debt and was going to report it to the credit bureau. I dont know these people or company and I really need them to stop and this better not show up on my credit report again.
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (CA)

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to Experian, XXXX  and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to Experian and XXXX  and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX  and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX  and Experian. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to XXXX XXXX XXXX. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they validate the debt and a billing statement. 
XXXX XXXX XXXX continued to report this Unverified Account. 



XXXX XXXX XXXX, XXXX, XXXX and Experian needs to be held accountable for their misleading, false reporting and lack of a investigation. 


Experian, XXXX  and XXXX  has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 


Experian, XXXX and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

so many problems with wells fargo. a. they are not calculating my interest correctly. b they did not show the XXXX payment which was my XXXX  XXXX payment on my next statement. c. they paid my homeowners insurance a month early last year and are now using that as the basis to say my escrow account has a shortfall and they want to raise my payments. d. the escrow history they sent dated XX/XX/XXXX does not reflect the XXXX payment i made on XX/XX/XXXX XXXX they are also showing that i did not make escrow payments some months in XXXX which is total XXXX. since my escrow payment is currently {$250.00} a month this would cover the {$220.00} that they say i am short in my escrow. perhaps you need to fine them another XXXX XXXX dollars as they seem to continue to do questionably legal things. Am wondering how many 1000 's of people they are illegally assesing these trumped up charges due to there errors on. 

please start a full and complete investigation as it is clear by there repeated actions that they they seem to think they can just do whatever makes them the most money and that they feel they are above the rules and regulations.