davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My identity was stolen ( including my Social Security number ) and was used to open up loans and credits cards from around XXXX to XXXX. I reported this to the police and made a police report in XX/XX/XXXX. I did tell them about Capital One and several other companies, but they were not listed in the report. I do not have a legitimate suspect to name as I do not have evidence. Around XX/XX/XXXX, a case was opened up with Capital One 's fraud department. A fax service I used failed to work and so the case was closed with my being at fault for the account. They did not send me any documentation regarding this resolution to my current home address. 
A couple of months later, in XXXX, XXXX sent me a credit report saying that the Capital One account I had disputed was added back. An agent told me that they had verified my identity using public information. 
The thief had used a number that I had never used but was associated with me in public records. I believe this is another faulty methodology as a tactic used by identity thieves now include adding false information, such as phone number and addresses, to public records. I was told over the phone to send over an affidavit, my lease agreement, and the police report. All were sent over but I was told multiple times that I needed to include a suspect name and list the card in the report. A member of the XXXX Sheriff 's Department told me that they could not list the card and I could not name a suspect without evidence. Despite this, Capital One requires me to do both, and refuses to go forward with the case until I do so. 
Capital One Case Number : XXXX. 
Account ID : XXXX. 
I had never received the card nor have I opened a Capital One account. The balance as of XX/XX/XXXX on the fraudulent account is {$1600.00}.
Consumer complaint received 2020-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (GA)

I haven't received any physical notifications of the origins of the debt, amount owed, potential due dates or notifications that my debt was going to a collector. This debt was also incurred by me being a victim of a tragic incident ( surprise shooter ) who got away. I was XXXX at the time and my credit is suffering drastically because of this mass collection amount on my report. I looked into potential avenues to help consolidate this debt through the hospital and they only had some outrageous payment plan that I had no way of affording on a monthly basis. I'm still looking for various avenues to consolidate this debt through the XXXX XXXX XXXX due to the incident taking place in XXXX Virginia. I was XX/XX/XXXXXX/XX/2018, rushed in an ambulance, and was probably charged an outrageous amount for medical care from the XXXX XXXX Hospital. The collection debt is {$8800.00} and was opened XX/XX/2018. While I was in college striving to graduate no attempts to rectify this debt with me was attempted prior to sending it to collections.
Consumer complaint received 2020-01-29
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE - There is no late remarks but tagged as late. 
XXXX - XXXX  XXXX XX/XX/2019 XXXX XXXX - There is no late remarks but tagged as late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

During the afternoon of XX/XX/2020 A man showed up at an apt where my wife and kids live located in XXXX XXXX, FL. No uniform, no id, no logo on shirt. 

This is a private enclosed residential development and unexpected visitors must use the internal phone system to contact residence. My XXXX small children and wife reside at this apt because random people are not allowed to just walk around or enter and knock on peoples doors. 

This man was not in uniform, did not disclose or share his name or state who he represented. Neither did this man furnish any form of official identification. My wife simply described the man as an Older Tall XXXX   Man. 

My wifes first language is XXXX  and she has difficulty understanding English. All my wife can tell me was that a man from the court possibly a police officer came to the apt demanding I show up in court. I know that police and court houses do not work this way. This individual also asked for her name. 

This individual left my wife with a bundle of uncertified ( No original county or state seal ) papers for a capital one credit card and some from the XXXX XXXX county courthouse. 

I searched using my name and found a case, however ; based on the dollar amount from the capital one papers I suspect that this case could be fraud/incorrect or some kind of collections scheme. 

I have had issues in the past with collections, however ; this is the 1st time an un-uniformed man shows up where my wife and children live ... what seemed to be impersonating a county worker or law enforcement officer. ( This is how my wife described the individual and their conversation ) The only people who show up where my wife lives unexpectedly are XXXX, XXXX, XXXX, and her friends. Everyone else uses the phone system or calls before they come. The apartment development is private property. 

What if a criminal or a delinquent decided to impersonate a debt collector, officer or county worker, and raid the apt or molest one of my children? 

I am writing this letter because ... I have difficulty believing this type of activity/process/procedures are endorsed by the Police of XXXX XXXX and the County of XXXX XXXX XXXX. If XXXX XXXX   XXXX XXXX is behind this they were trespassing, impersonating to be gov employee or officer and harassing my wife. 

I have asked my wife three ( 3 ) times what the Mans name was, and she can not tell me.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RICHLAND HOLDINGS, INC. (NJ)

I am writing this letter to file a formal complaint regarding an ongoing dispute with ACCTCORP OF SOUTHERN NV, an account that I had disputed with XXXX. I am deeply concerned about the inaccurate information presented in the original documents provided by ACCTCORP OF SOUTHERN NV during the verification process. 

On XX/XX/2022, I initiated a dispute with XXXX regarding an account held by ACCTCORP OF SOUTHERN NV. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I requested that ACCTCORP OF SOUTHERN NV verify the information they were reporting. Subsequently, ACCTCORP OF SOUTHERN NV responded by sending over what they claimed to be the original documents related to the account in question.

Upon reviewing the documents provided by ACCTCORP OF SOUTHERN NV, I was shocked to find that the information contained within them was grossly inaccurate. According to the documents, my address was listed as " XXXX, NV XXXX. '' However, it is important to note that there is no such place as " XXXX, NV '' either in the state of Nevada or anywhere else in the United States. This glaring error raises serious concerns about the accuracy and validity of the information being reported by ACCTCORP OF SOUTHERN NV.

Attached to this letter, you will find copies of the documents sent by ACCTCORP OF SOUTHERN NV as well as a map showing that no such location as " XXXX, NV '' exists within the state of Nevada. This clear discrepancy not only questions the authenticity of the documents provided but also the integrity of the information being reported by ACCTCORP OF SOUTHERN NV. 

I strongly urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify this situation. It is crucial that inaccuracies and errors in credit reporting are addressed promptly to ensure the fair and accurate representation of individuals ' credit histories.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage Capital, Inc. (CA)

1. The mortgage broker E Mortgage XXXX XXXX, CA improperly completed their paperwork and failed to seek a subordination for another lender.

2. After all signatures were done they still had not completed their paperwork.

3. Once the loan was closed and I received the main cash out pmt. I received a letter from the previous loan company that the payoff was short paid not by much but {$160.00}.

It took about 5-6 phone calls to even talk to the broker XXXX XXXX.

4. It was rectified after two weeks of calls.

5. Then I got contacted, post loan from a Notary who had no Idea what he wanted me to sign. I tried to contact XXXX XXXX no answer and voice mail full. A day or two latter he contacted me and explained the above that they had failed to get the subordination. I then waited another week before the Notary contacted me and the papers got signed.

6. The broker had told me they would reimburse me {$520.00} I was charged for I think the appraisal.

7. After I was told several times the check was being sent out and was not I finally called XXXX XXXX company and asked for his boss XXXX, He was able to get XXXX to call me. XXXX does not seem to answer his phone and his voice mail is always full.

XXXX  agreed to get a cashiers, take a picture of it and text that to me. ( He did that ) now we will see if the check comes.

Personalty I will never deal with XXXX  or E Mortgage again and will never encourage any one to deal with ether of them.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (OK)

I was getting the card for someone travel to the states and was setting it up with his name. I then asked to have activated and they stated no. When ask for a refund they said they would send. I have all of the emails of this activity but I have I have never received after over a year of waiting for this.
Consumer complaint received 2020-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2019 I transferred a balance to XXXX to take advantage of a 0 % offer for 12 months on a balance transfer. I set up auto-pay on the XXXX website. I verified my first payment went through without an issue in XXXX. After receiving no letters, emails, calls, texts, or other notices from the company I received an email from Experian in XXXX telling me I had a 30 day late payment reported on an a credit card account. After reviewing accounts I realized I was unable to log in and review my XXXX account details and my auto pay details. I called XXXX to see what happened. They took no responsibility for the fact that the auto pay system failed, they also took no responsibility for not even telling me in any form or notice that I was late at all, however, they did agreed to credit me back the late fee, nonetheless that was a minuscule consolation considering the company was damaging my hard earned credit history. After several more communications with XXXX and numerous hours on the phone I realized they were not going to assist me with removing this 30 day notice because they claimed there was no bank error. But, in fact, there was a bank error and even worse zero communication from them about my auto pay not going through or that I was even late at all. It took over 30 days after that payment was due before I finally received a letter from them in late XXXX saying my account had been closed and I could no longer make payments online. I must say, I have worked with many financial companies and I rigorously keep track of my payments and credit score. The service and attention I have received as a customer from XXXX has been appalling and I hope that by filing this complaint XXXX tries harder and modernizes and corrects their auto pay system, establish safe guards and warnings to customers when payments are not received on time, and establish a clear protocol to assist customers in removing bank error late payments that show up on customers credit reports due to XXXX  failure to communicate adequately or assist their customers. I have not had a late payment on any debt for over 8 years and it is very frustrating to work so diligently to establish an XXXX score only to have it dismantled by a poorly run financial company like XXXX, now my score is in the mid 600s. Please note I am still paying this card and do expect it to be fully paid by the end of the 0 % promotional period. I hope the CFPB can assist me with this matter so not only I, but other customers of XXXX do not get fleeced in this manner in the future. If I were preparing to buy a car or take out a home mortgage this could have had huge financial implications for me, so for now I am sidelined from making any significant purchase with credit like a car or home until this matter gets resolved.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am writing to inform you that I am a victim of a data breach, which has resulted in a fraudulent account appearing on my credit report. I am requesting that the following account be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : 1. XXXX XXXX  Account No. XXXX, Opened on XX/XX/2022, Balance : {$600.00}
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (DE)

In accordance with the Fair Credit Reporting act. These companies violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency
Consumer complaint received 2020-01-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (NY)

To whom it may concern, My name is XXXX XXXX XXXX and I have been a XXXX XXXX XXXX member for over 20 years ( # XXXX ). I recently rented a XXXX car on XX/XX/XXXX ( Rental ID # XXXX ) at the XXXX XXXX XXXX XXXX. I put my bag in the trunk of the car, and entered the driver 's door. 

Upon reaching my destination in XXXX XXXX, I exited the car and noticed that there was a huge dent on the rear passenger door. I did not create this dent nor was I in an accident. I inherited the car this way which had not been adequately reviewed by XXXX staff. 

That evening, I contacted XXXX and had a lengthy conversation with one of your representatives ( case # XXXX ) in a good samaritan gesture and was told that I would not be responsible for this charge. When I returned this car on Saturday XX/XX/XXXX at the XXXX XXXX XXXX XXXX, I was told by the person receiving my car that he did not have time to fill out a return " incident form '' while I was waiting and was asked to sign a blank form. 

On XX/XX/XXXX, I received a bill for {$1500.00} for damages that I did not incur, but rather inherited. The claim number is XXXX. This attempt to collect a debt by Viking Billing Service, was the first notice I had received by any representative of XXXX. In other words, XXXX sent the bill to collection before even contacting me regarding the bill. 

I believe in justice and fairness, and I have no intention of paying this bill for which I am not responsible for as I did not create the damage claimed. Rather, it is the incompetence of XXXX staff to not identify this damage and take this car out of circulation prior to my rental which is at fault. It is immoral and illegal to attempt to procure a debt from someone who is not responsible for the creation of such debt.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (NJ)

To Whom It May concern : I am writing in regards to a Wells Fargo account # XXXX. There are several things reporting inaccurately, untimely, or unverifiable on this account. The Federal Credit Reporting Act ( FCRA ) permits the removal of such accounts from the credit file. The reasons I dispute this account are as follows : 1 ) Balance  incorrect. Should be {$400.00}. 
2 ) Delinquency date is incorrect. The correct date was the one listed prior to the XX/XX/XXXX date. 
3 ) Statement number 2 then makes this account too old to be reporting and should be immediately deleted. 
4 ) Well Fargo states I made a payment in XXXX and the date of delinquency is XX/XX/XXXX. 
Both statements are incorrect. 
5 ) When requested, Wells Fargo does not, nor has is to this day, furnished validation or proof to the information reported on my report, I.e. the items listed in 4 above. Account should have been removed here as FCRA calls for the removal of unverifiable information. Wells Fargo failed to respond. FCRA states that this debt is no longer valid. 
6. When requested, Wells Fargo failed to provide the original contract with Wells Fargo containing my wet ink signature. 

As you can see, there are several violations of the FCRA and FDCPA. Please cease reporting this account for any of the above listed reasons. There are multiple violations here and if you continue reporting this false information you may face further consequences as allowed by law which I will proceed with should Wells Fargo fail to remove this account from all of my reports and cancel the debt as verification/validation was not furnished upon request. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-01-29
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: Experian Information Solutions Inc. (IL)

TO WHOM IT MAY CONCERN I BEEN REACHING OUT TO THE COMPANY ABOUT THE WRONG INFORMATION ON MY CREDIT REPORT THEY NEVER SENT ANY MAIL WITH PROOF/ VERIFICATION THIS IS MY ACCOUNT. ALSO WHEN I CALL XXXX XXXX XXXX XXXX THEY TOLD ME TO CONTACT THE CREDIT BUREAU. THIS ACCOUNT IS NOT MIND AND CAN YOU PLEASE SHOW ME PROOF THIS IS ME. I WOULD LIKE TO SAY HOW I CAN I BE XXXX XXXX IN XXXX AND PURCHASE A CAR AT THE SAME TIME? I AM TRYING TO STRAIGHT MY LIFE UP AND THIS IS NOT RIGHT.
Consumer complaint received 2019-08-18
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. (NV)

XXXX XXXX XXXX is reporting a inaccuracies on my credit report.  My income was falsified to get me funded . I receive XXXX a month . They reported me with a monthly income of XXXX a month . And changed the credit application I have my letter of award from SSA showing proof of Income . I reported to Nevada State Attorney General Office I have sent 4 certified letters and still no response from XXXX XXXX XXXX I am asking Equifax,  XXXX,  XXXX to remove immediately this is a inaccuracies.  According to FCRA you cannot report inaccurate information to my credit file .
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?
Consumer complaint received 2020-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NY)

Ive noticed a collections from XXXX XXXX on my credit repost to which i have zero knowledge of. I have never used XXXX products nor their services ever! I called XXXX and they can find my name no where in the system at all and could not help me. I explained to the lady whom i spoke with that Ive never used XXXX and was never billed by version and i didnt understand why it was on my report. She said she couldnt find my name anywhere in XXXX system and that I would need to contact the debt collectors. She was no help to me at all. I disputed it on my credit report but i dont know if thats enough.