davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/2021, my former phone company ( XXXX  ) overcharged me for service. The company wasn't answering emails or phone calls and it was the second time I had issues with them, so I contacted USAA bank to dispute the charge.

I told the representative that I was overcharged, and they repeated the issue to confirm.

I wasn't aware that the representative filed the wrong dispute reason ( duplicate charge ) requiring specific evidence ( proof of payment via other means ). I received a document via USAA 's web notification system with the evidence request, called for clarification, and the representative assured me that my issue was being corrected.

I uploaded all of the documents related to the purchase, and previously received a provisional credit and had no reason to believe that there was a problem. 

On XX/XX/2021, the credit was reversed. This triggered multiple NSF fees and a total debt of almost {$300.00} due to bank error. 

I have been contacting USAA every day since XX/XX/XXXX to resolve the issue. I have to start from scratch constantly, including the representative matter-of-factly asking for evidence of the original incorrect dispute reason. 

After explaining the issue, multiple representatives have told me they corrected the dispute reason. The first correction was on the day of the dispute, XX/XX/XXXX. Another correction was on the XXXX. 

I have lost count of how many times a representative has claimed to fix the issue and started a 7-10 business day timer for a resolution. It is the same answer every time.

Since then I have spoken with multiple members of the Executive Resolution Team,
Consumer complaint received 2021-01-14
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. (CA)

XXXX XXXX Balance : {$22000.00} - You are reporting inaccurate information as the past due balance is wrong. Updates or rather delete this erroneous account. 

XXXX XXXX XXXX Balance : {$510.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : $ XXXX Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
Consumer complaint received 2022-06-30
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. (GA)

This letter is in response to your response to CFPB with closed complaints with Authorization needed, I have attached my State ID and Utility Bill to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.
Consumer complaint received 2022-06-21
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. (FL)

EQUIFAX stated my account with XXXX ( XXXX- card service ) ending XXXX was properly investigated multiple times over the past 7 months, however how is this possible when the closed date is still inaccurate, payment status is inaccurate, payment status is inaccurate and last activity is inaccurate. 
The inaccurate information is a cause for removal, Equifax also violated my rights under ; 15 U.S.C. 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2- also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-31
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: Paramount Recovery Systems, L.P. (NE)

I have disputed the duplicate listing twice now and have tried with XXXX  and the company to have the duplicate removed. The company has refused and XXXX  did nothing to investigate the duplicate.
Consumer complaint received 2020-07-29
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 (WA)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, two months they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. This account has been closed for some time but it is still affecting my credit score. Please help as this is affecting my ability to get the best rates on  a home loan and this was not my mistake.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I filed a claim/dispute with Capital One Bank in regards to International fraudulent charges to my new checking account. It looks to have been done all over the internet from foreign countries such as XXXX and XXXX through fake sites or online portals. 
Capital One has all my information on file but yet denied my dispute and is claiming all charges were valid. I live in Hawaii and have never been or bought anything from XXXX or especially XXXX!! 
Capital One refuses to help me any further with my disputes or with getting my money back! Now I'm out XXXX!!! I've been trying desperately to get this fixed because I need my money back! They keep brushing me off or they just deny my disputes in general saying that someone confirmed some purchases via text. 
This is ridiculous and I want justice! I want my money back!! I was told you folks could help me out, if not I will need to take legal action against Capital One. 

Here are claim numbers and amounts : XXXX, XXXX If you have any questions please contact me directly.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

Lexus Financial Services did not provide me with a Bill of Sale at the time they processed full payment for my end-of-lease buyout. They also did not collect state sales tax on the transaction and advised me that it could be paid at the time of registration. The Connecticut DMV refused to register my car without a bill of sale AND does not accept sales tax payment from individuals at the time of registration, as Lexus advised they did.

Without the ability to pay the sales tax directly, and with Lexus refusing to accept a sales tax payment from me, I am unable to register my vehicle. Lexus is uncooperative, unapologetic, and unresponsive.
Consumer complaint received 2021-05-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The date of my first letter complaint wasXX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

OnXX/XX/XXXXI filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Re : Capital One Fraudulent Reporting of Account # XXXX To Whom It May Concern : I was checking my credit and to my dismay I have an entry on my credit report from Capital One. Capital One decided to change the dates on an alleged debt and to state a false reason saying that the last payment was in XXXX. This is a charge off debt according to Capital One, sold to a debt collector and allegedly mine which I deny. The law states that the Statute of Limitations is 6 years for credit card debts and that no collector will use abusive practices i.e, change the dates of a debt, which is when the last payment is made, that is what makes the clock run on time for debt collection, making this past the statute of limitations of collection. The FDCPA prohibits a debt collector from using a false, deceptive, or misleading representation or means in connection with the collection of any debt and prohibits a debt collector from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692e, 1692f. 

According to XXXX in XXXX, please note it was reported I was allegedly my last payment was on XX/XX/XXXX. ( REPORT ( s )  ENCLOSED ) According to Capital Ones own reporting the last payment made was XX/XX/XXXX, which makes the last payment on or around in XX/XX/XXXX. Further a collection account is considered a continuation of the original debt. It is a violation of law for a collection agency or original creditor to report old past-due amounts as if they are new again when the debts are sold. They are in violation of CT Gen Stat 36a-646 No creditor shall use any abusive, harassing, fraudulent, deceptive or misleading representation, device or practice to collect or attempt to collect any debt. This is also a violation of the FCRA ( Carbajal v. Capitol One, 2003 ). in reporting old debts with updated activity dates. According to the research I have done, it is illegal for a Creditor to falsely report dates on an expired date in order to collect any debt by changing those dates to suit their needs. This violates the FDCPA, Connecticuts state laws and FCRA. This is fraud and a deceitful practice. 

They are falsifying the dates to XXXX. Evidently they have a pattern since they were sued previously sued a collector under 15 USC 1692e ( 2 ) ( A ) ( see Rosenberg v Calvary, 2005 ). 

I want you to charge them and fine them for their willful and wanton conduct. This is disgusting and its a danger to consumers. All credit reports attached including one from XXXX. So were they lying in XXXX? I sent this to Capital One. Whether they choose to respond or not they lied and broke the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-27
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. (KY)

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 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc. (PA)

This account is medical. Amount is {$3400.00} as of XX/XX/XXXX. This account was paid by the Florida XXXX insurance. I tried to reach out to them but never received an answer. Upon looking over my credit report this collection showed on it. Now this account was paid. I want it removed from my credit report. Then I looked at another report from XXXX  this account came up. And with a different amount owed!!! Now I disputed it and yet to get this account off my credit report.
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation (SC)

I received a demand letter from XXXX XXXX on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. 

It appears that XXXX XXXX and XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Regional Finance SC. I have not received any goods or services from XXXX XXXX, XXXX XXXX XXXX, nor Regional Finance SC and I do not know how XXXX XXXX, XXXX XXXX XXXX, or Regional Finance SC received my private information. XXXX XXXX and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not a party to any agreements that XXXX XXXX and XXXX XXXX XXXX may or may not have with Regional Finance SC. I am not responsible for XXXX XXXX and XXXX XXXX XXXX purchase / transfer from Regional Finance SC. I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Finance SC. 
Please be advised that XXXX XXXX, XXXX XXXX XXXX, and Regional Finance SC will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 

With proof attached; please be advised that neither : XXXX XXXX, XXXX XXXX XXXX or Regional Finance SC are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2022, I was involved in a scam through XXXX marketplace. The buyer said they would purchase the item for {$350.00} ( listing price ) and send money through Zelle. The buyer then sent the money but nothing was received. I received an email from Zelle stating that I was to send {$400.00} to the buyer in order to prove validity and receive the payment. I was then asked to send {$500.00} for a certificate that would prove the transaction. This is when I knew it was a scam but I had already sent the money. The Zelle email address is a fraud account as is the XXXX XXXX buyer. I attempted to dispute the charge with XXXX and Zelle but they stated that they are unable to dispute the charge. This is beyond frustrating and a solution is needed. I will attach the emails and transaction screenshots.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (FL)

Experian Credit Reporting has included me on their mailing list. There is no 'unsubscribe ' opt-out included in Experian emails. There is also nothing contained within the Experian emails about how to unsubscribe. 

Looking online I found this : " To opt out of all email marketing messages from Experian, you must send an email to XXXX from the email address you wish to unsubscribe. Please clearly state in your email, " Unsubscribe me from all Experian email marketing. '' I followed those directions but still continue to receive Experian emails. 

Next I called Experian customer support telephone number : ( XXXX ) XXXX who told me I would have to send a regular USPS letter requesting removal from Experian email lists. As directed, I mailed a letter to Experian ; XXXX. XXXX XXXX, XXXX, Texas XXXX. I did mailed this letter to Experian months ago, but I am still getting unsolicited and unwanted Experian emails. 

Isn't this illegal? And falls under ANTI-SPAM legislation? 
Not allowing people 'opt-out ' of Emails?
Consumer complaint received 2020-07-29
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: Scott Fetzer Financial Group Inc. (AZ)

I have a loan with UNITED CONSUMER FINL S, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, UNITED CONSUMER FINL S,  XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-29
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: WAKEFIELD & ASSOCIATES, INC. (GA)

Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XXXX, I had some fraudulent activity happened on my credit report. I went through the proper channels of getting that police report and placing a fraud alert on my credit file that states to contact me before proceeding with pulling my credit.. I pulled my Trans union credit file XX/XX/XXXX and noticed inquiries on my account some I recognized him I didn't. All inquiries made in XXXX I disputed besides XXXX XXXX XXXX XXXX AND XXXX XXXX with Trans union. I wrote them by mail with my dispute letter stating my issues, provided a utility bill and a copy of my driver 's license, also copies of my phone records of the days and which my credit was pulled without my consent and the company 's at question not abiding by my fraud alert on my account. Trans union replied with a letter XX/XX/XXXX basically explaining what a inquiries was not responding to any of my issues in my letter. I contacted them today XX/XX/XXXX and after I began explaining to the agent my problem he just disappeared. The line didn't hang up he just stopped talking. I called back and talked to someone again and he was trying to tell me I had to write in to dispute this issue and was not understanding that I already done that. So now I'm contacting you.