davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, I ordered furniture from XXXX XXXX. Of the total furniture ordered I only received 2 chairs. The total for the two chairs was {$660.00}. In XX/XX/XXXX, with the authorization from XXXXXXXX XXXX the chairs were returned because the rest of the order was back ordered and they could not complete the order. My credit card was initially charged {$1000.00} which included two charges {$320.00} and {$76.00} which were disputed and I have a letter saying I was not responsible for these charges. With regards to the {$660.00}, I returned the chairs and continued to be charged for the chairs. In addition, on XX/XX/XXXX I was charged {$1000.00} as a finance charge adjustment and in XX/XX/XXXX. My statements show that interest charged in XXXX totals {$1000.00}. How can interest charged be more than the actual purchase of {$660.00}? I have tried to resolve this situation with Capital One as well as XXXX XXXX  and I have been unsuccessful. 
This is ruining my credit and I need a solution
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I tried to settle with this collection agency, Portfolio Recovery, I offered payment for removal from my credit reports. To summarize my letters, I stated by accepting payment enclosed portfolio recovery agrees to removal and deletion of this debt. If they did not agree the could mail back my check, I enclosed a self address stamped envelope. 

Portfolio accepted my payment, but is now reporting on my credit report with this statement, " Legally paid in full for less than the full balance ''
Consumer complaint received 2021-12-14
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: National Credit Systems,Inc. (CA)

There is inaccurate information reporting on my credit report. Therefore I requested a Investigation into this matter from XXXX, XXXX, & XXXX on XX/XX/XXXX. XXXX XXXX XXXX " XX/XX/XXXX '' & National Credit Systems " XX/XX/XXXX '' are not my accounts. It has been well over 30 days & I have not received a reply from any of the credit bureaus. Under the fcra these unverifiable accounts please remove from my credit report as soon as possible.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Money was taken from my account as a result of an order from WI Department of Revenue in Wisconsin for the City of XXXX. I didn't get any correspondence from the City of XXXX or WI Department of Revenue. Wells Fargo didn't notify me of any orders to garnish my bank account. I currently don't have access to view my Wells Fargo account to submit proof of the garnishment at this time.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for ad received the XXXX XXXX XXXX from Bank of America in XX/XX/XXXX. After having the card for approximately 2 weeks later on XX/XX/XXXX, there were fraudulent charges for flights and activity in Florida and California. Iwas not aware of the fraudlant charges until I received my first statement in XX/XX/XXXX. I immediately reported that charges to the bank on XXXX XXXX. After the bank provided a credit and replacement card on XX/XX/XXXX XXXX, I was able to use my card, which I almost maxed out at {$3500.00}. Then approximately 6 weeks later I received a call stating the credit would be reversed and that the bank did not believe the charges were a result of fraud. I was baffled and upset but more importantly confused as to how I could be held responsible for something I did not do, further, the evidence from the charges showed activity in 3 states at one time! I requestd a supervisor and I was provided a transfer of ther call as well as an email to submit potential evidence that would support my claim of innocence, and I was told the matter would be reinvestigated, but never recevied any further correspodence. I continued to make payments for almost {$250.00} to avoid damaging my credit further, until I was able to find another alternative to the now almost {$8000.00} debt the bank was making me responsible for. The bank then closed my account in XXXX eventhough I continued to make payments. Due to my personal illness in XX/XX/XXXX which I believe was due to XXXX, at that time it was not diagnoised, I was hospitalized for almost 80 days. I also lost my employment due to COVID-19 shutdown in XX/XX/XXXX. I was unable to continue to pay. The only option the bank would give me after I initiated contact in XXXX of XXXX was a payment plan. Now the bank has been reporting the account over the limit by more than {$4000.00}, since XX/XX/XXXX which has damaged my credit tremendiously and has now sent the debt to collections, which has prompted a collection agency to contact me. 
Bank of America neglected to properly inestigate a fradulant dispute and due to their negligance has caused me great fianancial distress, loss and negative credit.
Consumer complaint received 2021-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing in regards to the debt that doesnt belong to me. I HAVE A XXXX XXXX XXXX XXXX XXXX LETTER PROVING I DO NOT OWE THIS DEBT, THIS IS INACCURATE AND IS AFFECTING MY LIVELY HOOD GREATLY.
Consumer complaint received 2021-12-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
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 (NE)

On XX/XX/2021 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

Hi XXXX XXXX a letter of Garnishment from XXXX XXXX, XXXX as assignee of XXXX XXXX The amount they claiming is XXXX and XXXX court cost.k ow just last year I received the same Garnishment from the court house of XXXX GA saying that this case was closed due to wrong info. XXXX XXXX info. And the other information on me was incorrect. So.know I received the certified mail from C/O Hayt ' Hayt & Landau.PLXXXX Ga,XXXX XXXX I have received threatening phone calls .and I did try to call last year.and spoke with some one but she was trying to get money from me .in a way I did not like. The original balance was XXXX. So I don't know what is true and what is not or who is who. But the sad thing about this is I have another card with this bank. thanks XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-14
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)

I have sent multiple letters to XXXX  XXXX and Equifax requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the Court and they stated that they do not validate anything. I wrote both Equifax and XXXX XXXX to give them an opportunity to verify that data. Equifax wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Equifax allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in black and white.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (DE)

On XX/XX/2021 I contacted Aspire to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. Aspire attempted to use the old account charged me a {$29.00} fee. I contacted Aspire on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped 50 points because they reported a late on my report. I contacted Aspire and they apologized and said the late would be removed due to the error on THEIR PART within 5 days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! 

I have included a screenshot of the account as well. XXXXASPIRE # XXXX
Consumer complaint received 2021-12-13
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been ton my credit for several months. Please update and remove all unverifiable and un authorized information off my credit report. This is a violation of my rights
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I cant believe it, but today I found accounts on my credit report that arent mine, and I have no clue how they got there. I check my credit regularly, and everything has been fine until now. I thought maybe it was a browser issue, so I refreshed, but that didnt help at all. These inaccurate accounts are still there, and its really frustrating. I just want everything checked properly so I can stop worrying about it.
Consumer complaint received 2021-12-13
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. (MS)

XXXX XXXX XXXX is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Consumer complaint received 2021-06-30
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: WELLS FARGO & COMPANY (TX)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (NC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Starting I XXXX of 2019 when I went to purchase a vehicle and observed trade lines that were not mine. Contacted the ftc and filed fraud package. Also presented police report. The person was caught and locked up. The account was blocked from my bureau and was reported again. I request the XXXXXXXX XXXX account he removed immediately or I will file suit. I also demand a giving score update immediately.
Consumer complaint received 2021-12-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

On XX/XX/2018, my car was repossed. I was not aware of any outstanding balances, as my finances were being handled by my grandmother while I was XXXX a service year with XXXX during XXXX. I immediately called the police when I noticed my car missing and they informed me to contact my lender. All communications were sent to my XXXX XXXX address not my XXXX  address. It took me about 2 months to review documentations and communicate with Nissan regarding the repossession and my belonging which were never recovered. My vehicle had money and other items of value such as clothing, electronics, shoes, and sentimental personal effects that are irreplaceable. I seeking to remedy this grievance by understanding if this was justified and to what extent since communication was not established>
Consumer complaint received 2021-12-14
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: ID Analytics, Inc. (AZ)

XX/XX/XXXX My XXXX XXXX Report # XXXX shows fraudulently a false entry on my credit report and is to be delete as it is not mine. 
Account # XXXX XXXX XXXX XXXX. Date of Order & Date of Receipt XX/XX/XXXX. XXXX XXXX Reference # XXXX. Risk XXXX claims Subject XXXX claim reported. THIS IS NOT MINE. DELETE ALL from XXXX XXXX and Sage CRA 's. Further on page 1, On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Cause of Loss Theft/XXXX Amt paid XXXX NOT MINE address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX & XXXX XXXX. NOT MINE. AND..On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theft/W Amount paid XXXX. IS NOT ME!!!!! And # XXXXXXXX XXXX XXXXXXXX XXXX XXXX TheftXXXX XXXX paid XXXX NOT MINE. AND # XXXXXXXX XXXX XXXX XXXX XXXX  DELETE its all FRAUD. You have wrong person. FCRA.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OR)

I received a Visa Debit Gift Card on XX/XX/XXXX for {$470.00}. On XX/XX/XXXX I had a balance of {$310.00} on the card and the card stopped working. After calling customer service I discovered that someone else was attempting to steal the card because that person requested a replacement card, which apparently was issued and made my card stop working. I had to send in documents to the gift card company to verify I was the true owner of the card, and a new card was sent to me in XXXX. However, the balance on that card was only {$310.00}, the {$5.00} fee was not returned. I could not activate this new card, as the security code on the back did not work when I entered it on the website or by phone activation. On XXXX I called Customer Service again and they issued me another new card and charged another fee of {$5.00}. On XXXX I called about the fees and they only refunded XXXX of the {$5.00} fees. My new card has been working, but my balance is still off by {$5.00}. On XX/XX/XXXX I called customer service and asked about the {$5.00} fee. I was told I would get a result in 10 days. The fee was not reversed. I called customer service again on XX/XX/XXXX and I was told all fees have been reversed and the person hung up on me. I called again, and talked to another person in customer service who would not give me their name for security purposes. They told me the fee could not be reversed because a new card had been issued and fees can not be reversed once new card is issued. I asked to talk to a manager and then they hung up on me. My current balance is {$5.00}. I did not want to zero the balance in case the card would be closed if that happened. My balance should be {$11.00}.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

Calvary claim that I owe the debt and hired a law office called XXXX XXXX XXXX XXXX to collect the claimed debt, when I found out I requested with in 30 days to validate the debt using US certified mail from the law office on XX/XX/2021, who referred me to Calvary which I requested to verify the same debt in XX/XX/2021, all I received from them was questionnaire asking me question about the debt, and the only thing they refer to is a revised judgement they took without serving me and when I found out about it I immediately requested to show cause and the judgment was revised. and when I tried to call Calvary to question their behavior, they refer me to the attorney who referred me to a revised default judgement I mention earlier. Also, later on as if they register my number in there system not to go through.
Consumer complaint received 2021-12-14
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LoanCare, LLC (TX)

On XX/XX/2020 and then again on XX/XX/2020 XXXXXXXX XXXX XXXXXXXX made hard inquiries on my credit. I don't know who they are but no one has been authorized to pull my credit multiple times. It's possible one hard inquiry was authorized when I was shopping for a new rental property however no one should be accessing my credit multiple times.
Consumer complaint received 2021-12-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card was full of false charged. I was talking to fraud department of BoFA and mailed them all required information about 9 months ago and did not see any changed on my account
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc. (LA)

A correspondence was sent on XX/XX/2021 in regards to an alleged debt of XXXX. This company violated multiple laws listed below : 1. violation 15 USC 1692b ( 3 ) was done by reporting a logo and business information on the page multiple times 2. violation 15 USC 169 2e ( 2a ) was done by reporting a positive balance. A debt is to be reported using a negative balance if I allegedly owe a debt.

3. Violation 15 USC 169 2b ( 2 ) by using threatening terms " this is an attempt to collect a debt and any information obtained will be used for that purpose. '' 4. My Hippa rights was also violated by submitting my medical documents via mail.