davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CFM Group LLC (FL)

Hi, My name is XXXX XXXX. I live in Florida. I had a small grocery store in XX/XX/XXXX. For the credit card transaction I call the XXXX XXXX XXXX. This is a credit card processing company. After the contact they provide me a free credit card terminal ( XXXX  XXXX. Market value of this terminal around {$150.00} ). Its free for me as long I want to use their service. If not, I have to return them this terminal. I make business with them almost one and half years with no issue. In XX/XX/XXXX hurricane Erma came in Florida. And I get suffered very badly from hurricane Erma. The all city was out of power more than 10 days. So my business was closed more than 10 days. When power came back, I open my store and I saw my was totally empty. Some guys broke my store from back side and they stolen all Cigerates, beers, wines, sodas, juice, milk, candys, computer, laptop, all the groceries and valuables things. They also stolen that credit card terminal too. First I call the police for make a police report. Then I call the credit card processing company XXXX XXXX XXXX and splaying them what happens to my store and the terminal was stolen. They told me dont worry, we going to takecare of that. After that they never contracted with me. 7 months later suddenly I get a letter from a collection agency ( name : - Capstone Financial Management ). They try to say that I have pay {$3100.00} for the stolen terminal. I asked them the terminal market value is around {$150.00}. Why I have to pay {$3100.00}? They cant give me right answers. They told me, they gon na talk to XXXX XXXX XXXX and then let me know. They never call me back. I talk to XXXX XXXX XXXX, they told me they gave me 3 terminal and they gon na charge me {$1000.00} for each terminal. This is not true. They totally wrong, false, and lies. They never gave me more than one terminal. They are trying to charge me illegally. This is a bad company and they are doing fraud me.
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I've been referred back to Security Intake Team concerning a check cashed in my name by someone else. This is a close out check in the amount of XXXX sent on XX/XX/XXXX, a stop payment placed on it in error, a second check sent on XX/XX/XXXX. I left for vacation on XX/XX/XXXX, a XXXX XXXX picked me up, drove me to airport. I was told by a XXXX, a manager, the check was cashed by a XXXX XXXX whom does not live at my address and am not related to. I was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, was not here to receive and sign check. If Capital One will check signature on file, they will see the signature on check is in fact not mine. A XXXX XXXX insists it is so she does not have to do anything further, ignores the fact I was not even at home to receive/sign check. She also refers to a prior check deposited via mobile app in the amount of XXXX from XXXX XXXX, I do not know anything about this transaction and has nothing at all to do with close out check cashed by this person. I have itinerary from XXXX showing travel info and can get a statement from the limo company showing I was picked up on said date.. Most recently, XXXX referred me again back to Security Intake Team whom does not return calls, numerous messages left prior to this issue as well as after and currently. Messages have been left by myself as well as from numerous managers, email escalations sent as well ... No call back. The stop payment caused my XXXX account to become overdrawn, a total of fourteen ( 14 ) overdraft fees charged in the amount of XXXX each, plus a return check fee in the amount of XXXX, a total of XXXX. Documentation concerning these fees emailed to Capital One prior, I was provided an email address by several managers, I do not have the address available to me at this time. I have not received a reply to date, XXXX requests additional copies mailed or faxed and will only credit my account which is now closed and has been closed for quite sometime ... Any reimbursement will have to be in form of a check as I've requested, a total of XXXX which includes fees in the amount of XXXX plus check amount of XXXX less XXXX. XXXX is the amount my account is now overdrawn by, a recent debit card claim was reversed and caused this overdraft. XXXX took over a month to reply to prior complaints, will not return my calls, a total of seven ( 7 ) messages left and none returned. She refers me back to Security Intake Team whom does not return calls, works off a voicemail, this is a mere run around.. In closing, I've spoken with several attorneys, was advised to file a small claim. In the even suit is filed, attorney fees totaling XXXX plus court costs will also be added on to suit. Please advise XXXX/Capital One, it would be in their best interest to simply pay the claim total of XXXX which includes overdrawn amount of XXXX. Documentation from XXXX which including statements will be filed with suit should legal action be taken.
Consumer complaint received 2018-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I CONTACTED TRANS UNION XX/XX/XXXX AND XX/XX/XXXX IN REGARDS TO THE HARD INQUIRIES ON MY CREDIT AND STATED OUT OF THE 12 I ONLY AUTHORIZED 1, I WAS TOLD I HAD TO SEND OUT A LETTER THAT I HAVE ALREADY DONE IN REGARDS TO THESE CREDIT INQUIRIES ON XX/XX/XXXX I CALLED BACK AND STATED I BELIEVE I WAS A VICTIM OF AN INQUIRY ISSUE AND THE REPRESENTATIVE ASKED WHAT INQUIRIES AND I STATED ALL OF THEM EXCEPT ONE AND HE STATED ITS NOTHING HE CAN DO THE REPRESENTATIVE BEGAN TO GET VERY RUDE AND OBNOXIOUS WITH ME I TOLD HIM TO HAVE A GREAT DAY AND I ENDED THE CALL. 
1. XXXX XX/XX/XXXX AND XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX   XX/XX/XXXX 11. XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2018-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I had filled a complaint # XXXX with Equifax, after I filled my complaint I received more supportive documents " attached " from XXXX, the creditor in question. However I was not able to submit my supportive documents on line to yo " proving that XXXX did their part and Equifax has not. 
After speaking with your representative on XX/XX/2018, I was informed perhaps it is a good idea to start another complaint and include my new supportive documents. Please see attached
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditor's Collection Service, Inc. (WV)

I have attempted to resolve this debt with this collection agency. They have told me that they can not locate my file. I have sent them my FTC report and police reports but they tell me that I do not have a debt with them. However is that is being reported to the major credit bureaus
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2018-05-23
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. (NC)

Equifax continues to report on my credit report that I have filed a Bankruptcy that was discharged but in fact I never completed the process according to the US Bankruptcy Court of XXXX, NC and that my case was neither dismissed or discharged and that nothing should be reporting on my credit report and I also provided Equifax with the documentation from the US Bankruptcy Court of XXXX, NC.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint against Equifax Regarding Inaccuracies In My Personal Information As Reported In My Credit Report.

Details Of The Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, but my credit report shows an outdated address as : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 

Supporting Documentation : I Have Enclosed Copies Of Supporting Documents To Verify The Accurate Information Provided Above, Including : A Copy Of My Driver 's License Or Passport Displaying My Correct Name.

A Recent Utility Bill Or Bank Statement Showing My Current Address And Current Employer.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (OK)

I received a no promotional for my account in XX/XX/XXXX and I was told I would not have any interest. I charge $ XXXX on my card. I paid my balance down to {$560.00} by XX/XX/XXXX. On XX/XX/XXXX, I was charged {$300.00} in interest. I contacted Carecredit about the charge and I was told that I had to pay all of the balance. I explained to the representative that I was told I would not be charged any interest for the balance for 1 year. He indicated that the balanced had to be paid off completely. I explained to him that this was not what was communicated to me. He offered for let me pay the remaining {$560.00} off by XX/XX/XXXX and they would wave the {$300.00}. I explained to him that I could not pay the amount off by then and asked if there were other arrangement I could make to pay the balance off and get the interest refunded and he stated, no.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (PA)

When I looked at my credit report I saw that there were XXXX affirm purchases that showed up as late when this is not the case and I even tried to dispute these multiple times with XXXX and with Affirm themselves who could not give me proof the payments were late. The dates are XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or rituals therefore the sophism must be eradicated as is my not illicitly requested resolution, please do so HERE AND NOW! This claim has extolled ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : In regard to item questioned above, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as Not Reporting for Experian, XXXX XXXXXXXX XXXX XXXXXXXX for XXXX XXXX, and as Not Reporting for XXXX and as such are one or more having the appearance of being deficient of its exigency of reporting devoir and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted benefit to report. 
In regard to item questionably reported above, please note that Data Reporter Telephone Number is reported as Not Reporting for Experian, XXXX for XXXX XXXX, and as Not Reporting for XXXX are one, two, or each apparently in potential deviation ( s ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In XX/XX/year>, Congress passed the Debt Bondage Repair Act as part of a larger package of legislation. This new law was drafted in response to survivors who shared how their trafficking experiences negatively impacted their credit scores, such as traffickers opening or controlling bank accounts or lines of credit in their name.

This new law required the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency responsible for overseeing financial products and services for consumers, to create a process through which survivors of human trafficking can apply to have adverse credit information resulting from their trafficking experience removed from their credit reports. The CFPB has created a proposal, known as a proposed rule, for how this process could work. They are now asking for feedback through public comment, a standardized process the federal government uses to get input on new policy
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I am approaching the maturity date of my loan. During the time of my loan, I had to take a hardship assistance at least once or twice following an unemployment stent during Covid, as well as while taking care of my mother with XXXX XXXX. Recently, I noticed that my Payments did not seem to be applied correctly, and there was a large balance due on my account that I was not aware of. Upon speaking to customer service, I learned that there may be a deferred balance due to one of those hardships however, they were unable to provide any detail about the balance, how much it was, where it came from, or provide any statements or documentation. The first rep said my last on time payment was on XX/XX/XXXX, and then said I still owed {$1100.00} on the account and its overdue. After going back and forward, I realized I needed to speak to a supervisor.

Upon connecting with the supervisor, I advised that I had tried to find documentation on the online portal, however nothing was showing up. There were no payment statements or billing statements, nothing about a hardship assistance agreement or any deferments made during the loan. I ask why I couldnt see any loan documents and the service rep advised that fifth third does not upload documents for auto loans. He said that I would not be able to get any documents from the online portal. He then said that he could fax me a payoff quote or mail it to the address on file. However I wanted more than just a payoff quote so I could understand what I am paying and why. Then I said I did not have access to that address because I am in Texas caring for my mother. When I requested him to upload it into my portal or email me a copy he said he would not be able to do that.

I requested any other way to find these documents and whether a different department could do this for me and he said they could not. The only way for me to find those documents would be to find them in my mail. He said they mailed a final statement to me last month that had details on my final payments, but he could not provide a copy today and even if he could the company doesnt have a saved copy. I requested any information or details about hardship assistance, and he said he can not provide them, nor advise what the balance of the deferred payment was, nor provide a copy of my deferral agreement. In fact, he was not sure if there even was a deferment agreement or if that really was what the leftover balance on the account.m was from.

Unable to view these documents or understand how my payments have been applied over the last few months, I feel I am a situation where the financial institution is participating in predatory loan activities against me. They are making it difficult for me to understand how my money is being applied and what balances remain on the account. Ive made good faith efforts to understand my balance, but at every turn 53 ignores me and chooses to make me take the hard way to answers.
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: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

On are about XXXX of XXXX I was contacted by LVNV Funding [ XXXX XXXX of XXXX Tx. ] in regards to an account which I thought had been resolved through an agency called XXXX [ XXXX XXXX ]. I had suspended the account with XXXX due to lack of response in what had been paid after paying over {$5900.00} [ from XX/XX/XXXX to XX/XX/XXXX ]. I was contacted via phone by a representative of LVNV funding about the issue. I agreed to start payments to them but after I gave a lot of thought to the issue, I did my research I felt I did not owe this money. I attempted to contact them numerous times leaving messaged but got no response. They had put a small clime about the issue and never removed it. I went to court and the case and debt was dismissed [ document attached ]. 
During this time from XX/XX/XXXX till current date XX/XX/XXXX the credit reports are still listing the collection three [ 3 ] times on each credit report. all with different amounts. I feel this. During my initial conversation with the agent at LVNV funding It was listed only two times. I was told when asked it would not be removed till the debt was fully paid even with payments being made. On checking, I found it had then been listed for a third time. This type of hard ball pressure has cost me greatly both in XXXX  and finically due to unfair and inaccurate reporting which I feel was done through negligence and to force me to pay. I have filed a small clime against them to resolve this issue. I have had no response from LVNV funding to date and I am still locked in the credit score abuse they created. Not only have they listed the collection three separate times but the company that charged off the issue has not removed their listing so I have at least six listings that should be removed due to the court.