davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
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: ENCORE CAPITAL GROUP INC. (CA)

On XXXX XXXX, 2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX did not delete as requested and just updated the accounts for Midland Funding. As relevant proof I disputed these Midland Funding accounts with XXXX, since XXXX had a different name reporting along with my other personal information, as a result XXXX deleted the erroneous Midland Funding accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Consumer complaint received 2023-11-20
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. (GA)

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 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX  : # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-17
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. (CA)

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, Experian did not delete as requested and just updated the accounts for XXXX XXXX. As relevant proof I disputed these XXXX Funding accounts with XXXX, since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous XXXX XXXX accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

I made my XXXX payment on XXXX. It shows in my payment history and has been withdrawn from my checking account but my account still shows due for the XXXX payment. 

I called the company on XX/XX/14 and they said it would be fixed within 24 hours. It has not been fixed.
Consumer complaint received 2020-11-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX  did not delete as requested and just updated the accounts for Portfolio Recovery Assoc. As relevant proof I disputed these Portfolio  Recovery Assoc accounts with XXXX, since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous Portfolio Recovery Assoc  accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Consumer complaint received 2020-11-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2020-11-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (VA)

I went to 5 different ATM 's on, including 3 that were pointed out to me by the bank 's ( US Bank Reliacard ) phone app, and I could not withdraw any money. Every time I was given a simple do not dispense error. I tried various amounts ( XXXX ), none worked. Despite having a balance of XXXX dollars on there. No reason given, just refused to dispense. So its impossible to get cash off of this card.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-11-17
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. (TX)

READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( Experian, Equifax and TransUnion ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( XXXX, XXXX, and XXXX ). This matter is completely UNACCEPTABLE!

XXXX Company 's Response We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS XXXX Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL I have sent to all 3 credit bureaus of my current drivers license and utility bill in XX/XX/2020, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (NC)

statement date XX/XX/19 last bar. XXXX charge XXXX XXXX payment XX/XX/19 XXXX payment XX/XX/19. XXXX statements date XX/XX/19 last bal XXXX late chg XX/XX/19 XXXX late charge was applied because I made early payments I have other cards that recognize early payments made before cycle end and do not make charges. 
I was told I needed to understand how there system works. there is not anything on their web site that states that they do not recognize these payments as satisfying a payment due in a statement due out in the next few days. 
I was penalized for early payment and payments that far exceeded any payment amount
Consumer complaint received 2020-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATG Credit Re : Acct # Unknown To Disputes Department : This letter is in response to your recent claim regarding an unknown account, which you claim that I owe you {$280.00}. By not replying in a timely manner to my initial letter on XXXX/XXXX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  L XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX  XXXX  XXXX  XXXX XXXX CC : XXXX XXXX XXXX
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (VA)

I want to first apologize as this is definitely still a learning process for me. I am truly attempting to understand the things that are not said which creates the hrey space in which some organization operate. 

In XXXX of XXXX I was on XXXX XXXX and receiving outpatient care. I ended up XXXX  in XX/XX/XXXX for a few months and missed a payment. I made the payment but then had some additional medical issues that left me incapable of executing my financial responsibilities. In XXXX of XXXX I applied for a loan modification which was not approved until XXXX. In XXXX of XXXX my house was damaged due to hurricane Florence which was a natural declared disaster. My credit report has been changed several times by Freedom Mortgage until they just put a delinquent status for 4 months XXXX XXXX to XX/XX/XXXX ). During that time I was in a Forbearance, natural disaster and military orders. Do any of these impact how information is reported to the credit agencies? 

This year I am in a Forbearance however I was current went the Forbearance was implemented yet there is no positive reporting. Is it only negative information that is reported? Please pardon my ignorance
Consumer complaint received 2020-11-17
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. (MS)

I am writing this due to non-compliance with the XXXX XXXX, XXXX, Transunion XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past .These details include inquiries that I have not authorized. This is affecting my credit in a negative way and I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2020 around XXXX XXXXXXXX, I { XXXX XXXX XXXX XXXX went to withdrawal money in the amount of {$300.00} off my North Carolina XXXX XXXX XXXX XXXX the bank associated on the card is Bank of America, which is a debit card for which I receive my Unemployment Benefits on.I was using a XXXX  machine in the town of XXXX XXXX, N.C. XXXX XXXX XXXX XXXX XXXX XXXX is the name printed on my XXXX XXXX XXXX and I went through the process of trying to withdraw the amount of {$300.00} and a surcharge fee of {$2.00} comes to the total of {$300.00} and the cashpoints machine printed my receipt and DID NOT send no money out and then a message come up on the screen and said that this machine was down and could not be used. So i got receipt and left to a different XXXX  ATM on XXXX XXXX in XXXX, N.C XXXX used it to withdraw the amount of {$200.00} and I did get the {$200.00} and so i looked on my receipt and it clearly took my {$300.00} from my card from what my receipt stated. I get home and call to check my previous summary which was my last two { 2 } withdrawals and it deducted it from my account, so now that the XXXX machine that feld to give me my {$300.00} I need my money put back on my card. I DO KNOW THERE IS CAMERAS AT THAT XXXX  PLACE SO IF THEY GO BACK AND WATCH IT WILL SHOW THAT I WAS NOT GIVEN MY {$300.00}. I have contacted Bank of America and I'm getting told they will need a claim filed and I have and no response back.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

XXXX XXXX XXXXXXXX never got statements, could not add acct on line, call cant find the acct, XXXX was XXXX to them never XXXX as they cant find acct, never mail anything out THEY SENT A LTR ALL OF IT IS LIES WRONG NAME, NO STATEMENTS SENT, CANT GO ON LINE AND GET TOLD NO ACCT WAS SET UP, PYMTS NOT APLLY,
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

To whom it may concern, supplying statements without evidence of a signed contract ( assuming it was requested by the consumer ) does not validate the debt. Please be so kind as to reference the below request, which should be provided as FULL validation of this debt.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Complaint regarding Capital One - employee ID XXXX and the company in general : On XX/XX/XXXX, I made a credit card payment of {$500.00} to may Capital One credit card ending in XXXX, which was 5 days before my minimum payment of {$250.00} which would have been automatically scheduled to be paid on XX/XX/XXXX. 

After my payment was confirmed as withdrawn from my bank ( XXXX XXXX XXXX account ending in XXXX ), Capital One showed that the payment had officially posted on XX/XX/XXXX. 

At that time, Capital One stated my automatic payments were setup to pull only the minimum amount due on my card. The same page displayed that my minimum amount due on my card was {$0.00} - no payment was due, no minimum payment due. 

On XX/XX/XXXX they still however pulled {$250.00} from my XXXX XXXX XXXX  account ending in XXXX despite saying {$0.00} was due to be pulled. 

When I called, I was referred to a supervisor - ID XXXX. She indicated that there was nothing she could do and that it will always pull automatic payments unless I cancel them directly. I understood this, but told her Capital One showed my minimum payment was {$0.00}. After discussing it further, she said the only way to reverse a payment would be to mail a physical check to me, which could take quite a few days, and this puts me under extreme duress. 

When I mentioned that I know they have the technology to do an ACH reversal to the bank account it was pulled from she acknowledged saying " yes, but this is not our policy ''. 

I then asked if I could talk to any other supervisor who could look into listening to my circumstance as I'm under extreme financial duress and she would not refer me to anyone else, saying she was the manager, and I couldn't talk to anyone else.

I asked if I could have a link for a survey, and she told me that they only send out surveys to random calls, and would not give me any means of submitting any complaint to anyone. 

My only choice has been to submit the complaint here, in hopes that someone can pass this review to Capital One so they can listen to the recorded phone call I made today, XX/XX/XXXX at XXXX Central Time. 

No one offered to look into my situation a little more, or help me reverse a payment any quicker than sending a check, and I felt pressured to get off the phone with no solution. If the recorded phone call is listened to, one can tell I tried to approach this with patience and understanding, but when I don't get anyone who will try to empathize or even give me a chance to submit a complaint, I feel that doesn't meet CFPB guidelines to protect consumers - as there's also no where on Capital One 's website where I can send an email - and I'm resorted to sending a letter by mail because when I call back, I get the same level of management - no one else will pass on my complaint.