davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has violated my rights according 15 U.S.C 1692 SEC 809-Validation of debts-1 The amount of the debt. ( B ) Disputed debt. Also 15 U.S.C 1692 SEC 808 UNFAIR PRACTICES ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I sent my dispute letter asking for debt validation Capital one failed to provide proper documentation after i gave written instruction to respond with any answers or question VIA -XXXX CERTIFIED MAIL so that there would be an independent witness to it being delivered and they failed to do so. Capital one is stating I owe a debt but how is that so? If I was never returned my deposit due to them closing the account. I was told their procedure when it comes to closing a delinquent secured account Capital One keeps the initial deposit that was used to open the account and puts it towards the remaining balance any fees remaining will then be put in charge off/collection. The alleged debt I owe is XXXX and Capital One kept my XXXX deposit so how is it that i owe XXXX again please make it make sense. Also, any charge off less than XXXX XXXX dollars does not a 1099 form. so, for all I know Capital One is Trying to collect a debt that their insurance company already covered and they also kept my XXXX dollar deposit. I find that to be a deceptive means of trying to collect.
Consumer complaint received 2020-07-01
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. (CA)

XXXX XXXX criminal XXXX  institution did fraud and identity deft on my name. And possibly shared with that XXXX  and unknowing XXXX, XXXX, transunion. This four criminal companies are holding my information without my consent.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (CA)

Experian concluded the investigation on XX/XX/2022 and on XX/XX/2022, I called them and stated they validated the information with the below creditor wihout any proper validated proof information. When I asked regarding the law and how it applies to me, and my privacy, they stated they did not follow the law, and they went by the creditor only! They stated they can not do anything else and it was just up to me, which I have send several letters to the below creditor and experian and they refused to do provide validated informaiton. 

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681 1. 

XXXX XXXX XXXX  # XXXX Has violated my rights 2.XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights XXXX. 
XXXX XXXX XXXX # XXXXhas violated my rights 15 U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-04
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. (DC)

Experian said " Thank you for submitting your dispute on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including two attachments, you have supplied through the CFPB portal and directly to Experian. In your dispute you mentioned one unauthorized inquiry. You are requesting deletion of this item. Regarding the disputed item, after careful investigation the inquiry has been removed from your Experian credit report. '' in complaint # XXXX to the CFPB. On XX/XX/2022, Experian gave access to another lender : XXXX XXXX XXXX. Documentation attached.
Consumer complaint received 2020-07-01
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. (FL)

I have contested fraudulent account with the credit bureaus multiple times. I have sent documentation to support claims that this account was fraudulent including police reports and Affidavits of Non Ownership and the account still shows as active. 
I have requested proof of ownership from the original creditor. Original creditor has never responded with anything. This is a fraudulent account that has had a negative impact on my credit score, my ability to rent a place for my family and I to live and has caused me to have to pay more for credit dependent services such as utilities, credit cards and insurance. 
Please have this account removed immediately.
Consumer complaint received 2020-07-01
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. (NY)

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-05
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: CAINE & WEINER COMPANY, INC. (GA)

Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.
Consumer complaint received 2020-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NJ)

I discontinued getting teeth cleanings with XXXX XXXX XXXX in 2011 and had full coverage health insurance with XXXX XXXX while going to them. I was told by XXXX XXXX XXXX that nothing is owed and my insurance covered all my work and furthermore they would not do work before receiving payment or processing my insurance, so this claim by Radius Global Solutions is false.. I told this company this and asked for proof. Company has not responded to the requests. I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original dental contract, and proof of payments with cancelled checks, as well as proof they are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove from my XXXX  credit report before taking legal action for fraud. I have also contacted the credit bureau for an investigation.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (KY)

XXXX XXXX, XXXX, received letter from PNC Bank that the mortgage payment on our residence would decrease from {$900.00} to {$890.00}, effective XXXX XXXX. 

PNC has never reduced our payment despite numerous attempts via email and phone to get them to do what their letter said they would do. 

PNC has instead, unilaterally, lessened their exposure by applying the excess payment to principle WITHOUT OUR KNOWLEDGE OR CONSENT. 

PNC said they would reduce the mortgage payment, they have not and inspite of our best efforts to get PNC to comply, they have refused to do so. 

Attached is PNC notice that PAYMENT would be reduced. 

Attached is XXXX payment history showing that excess payments auto-debited from our checking account, are being applied to principal.
Consumer complaint received 2023-06-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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. (AR)

I was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name.
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

Collection account was first bought by XXXX XXXX, and I paid that account with them. Now I see that XXXX XXXX has the account, and I have tried to get them to take it off, since I paid the account in full already. They are refusing to help me, and will not take the collection account off. This was for a JC Penny account that I had.
Consumer complaint received 2020-07-10
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. (NJ)

This account belong to my ex i didnt knew she didnt pay it off and when i went to see my credit the account was charged off im trying to take it out and they dont want to i made a payment arrangement but they still dont want to remove i didnt know that account was negative
Consumer complaint received 2020-07-10
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. (FL)

Good morning, I recently checked my credit report and noticed a couple of accounts that I do not recognize. I believe my identity has been compromised. I am not sure what to do but please help us in this matter in getting this issue resolved in a timely manner. I thank you in advance. The accounts are reporting as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. None of these accounts have I ever been in business with or ever even heard of. This is really stressful for me because I can not use my credit for anything with these accounts that were obtained fraudulently and now I am getting penalized for it. Please help me.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC (OR)

Law firm claims I owe a debt to an apartment complex. However, when I spoke to them they refused to provide the original creditors address and phone number to verify. They claim they do not have any information about the original creditor that I should call XXXX XXXX XXXX. They tell me to call Brett Borland Las Office. Just round and round. I believe it is fraud or a fake debt.
Consumer complaint received 2023-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (SD)

I have been contacted by the lawfirm below. This is my letter back to them and it contains all the information needed to file this complaint. 

XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTENTION : XXXX XXXX NOTICE AND AFFIDAVIT OF TRUTH Hello XXXX XXXX : I responded to a letter from your corporation once before and told you that you were committing Identity Theft and you would be held liable for the sum of {$250000.00} for this crime if you did it again. Today, I received another correspondence from you XXXX XXXX under the letterhead of that corporation of XXXX, XXXX XXXX XXXX, XXXX. and this time you could not even get the address right. You are XXXX XXXX 

You can not talk to me! You, XXXX XXXX, represent a corporate entity with no authority over me, a man. Neither your firm nor you personally have any security interest in the real property in question nor the paper pertaining to it. I have no contract with you personally nor with your firm, XXXX, XXXX XXXX XXXX, XXXX. 

I am not the surety for this Account and i am not the PERSON you are addressing in your correspondence. I am a living man, not a name. 

The Account has been satisfied previously and also ab initio and the security interest has been lawfully rescinded. 

XXXX, XXXX XXXX XXXX, XXXX. and/or XXXX must Send a check for the amount on the XXXX XXXX I have enclosed if they can figure out the right address. Every time you try to correspond with me I will charge you another {$250000.00} for Identity Theft plus {$1000.00} for each word in violation of Consumer Financial Protection Bureau regulations or which is offensive to me personally. 

If your firm attempts to steal my property, I will add appropriate charges of XXXX XXXX dollars to this XXXX  XXXX and file a case in District Court against you XXXX XXXX in your personal capacity and in your capacity at your law firm. 

XXXX : XXXX XXXX XXXX, Beneficiary, XXXX, Account Owner, XXXX, Original Creditor
Consumer complaint received 2020-07-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

In the accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 1681. XXXX  account number # XXXX has violated my rights. 
15 USC 1681, Section 602A. States I have the right to privacy. 15 USC 1681, Section 604A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC, 1681 C. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC (OH)

On XX/XX/XXXX at I bought a used auto, XXXX XXXX XXXX from XXXX XXXX in XXXX-AZ . The total cost of the car was around {$25000.00} and I made {$4000.00} deposit and I am to finance the remaining {$21000.00}. After the dealership called me that theyve got a lender that will finance my car I realized that the lender ( Flagship Credit Acceptance ) and the dealership rather applied the interest rate on the entire {$25000.00} before subtracting my {$4000.00} deposit that I made. As a result, Ive been Ive been making my monthly payments of XXXX since XX/XX/XXXX but still my principal with the lender is still at {$24000.00}.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I called and spoke with 2 people from the original creditor and I was told that the several debts I have with ARS have not been filed to my insurance because they didnt have the information needed to file. I asked if they tried contacting the hospital that sent my insurance or if they tried contacting me and they said and I quote Were a national company, we dont have time to make calls like that. All of these amounts are invalid as they were not filed with my insurance. I contacted the creditor and asked if these could be fixed and they said no because I should have given my insurance information EVEN THOUGH the hospital was supposed to do so. I would like these debts removed from my credit report as they were not appropriately filed.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Today I was scammed by a seller on XXXX XXXX. I posted a dress for sale and the potential buyer told me to get a XXXX account so I could sell them the dress. The buyer seemed legitimate. I then received two emails from false representatives from the XXXX company. They pretended to be the XXXX company and I still have those emails saved for proof. A total of {$1100.00} dollars was taken from my account. I was made to pay two fake fees. One for {$450.00} followed by one of {$650.00}. I called my back less than one hour after I sent these fake XXXX representatives my money and they told me there was nothing I could do to get my money back. The charges are still being processed in my account so I do not understand why my bank is saying there is nothing they can do to help me get my money back and stop the transaction. I want this to stop happening to innocent people and I want these scammers to be investigated by the government. The profile who scammed me on XXXX is apparently named XXXX XXXX.
Consumer complaint received 2020-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (VA)

On XX/XX/2020, I attempted to call Debt Recovery Solutions and verify a debt that this company placed on all three of the credit reports ( XXXX, XXXX, and XXXX. ) They placed this debt without making contact with me first. I called them and they tried to phish my social security number which was already absurd. They shouldn't have this kind of information as a debt collector. I finally settled with the last 4 of my SSN to prove my identity. They told me what my debt was and I told them I needed verification and they said ok they would send it through mail. It has been over 3 weeks with no sign of the verification. I know for a fact that they have no connection to the original creditor so there is no question that this is a not a legitimate debt. You can also see all the negative reviews the company receives and from my personal conversation with him. You can not just post bogus debts and expect people to pay you.