davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
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: DISCOVER BANK (CO)

I contacted Discover several times over the last 3 years via phone, chat, and email to investigate identity theft that happened. They have yet to accurately complete an investigation, have never gave me temporary credits previously, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UN-authorized cards to addresses that I have never lived at, and to people that I do not know. The fraud continued to happened and led to over {$10000.00} ( and possibly up to {$50000.00} ) worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. 

I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. The following charges in early 2017 should be investigated as they were not authorized. In addition all charges for unauthorized cards should be removed. 

XX/XX/17 XXXX XXXX XXXX XXXX  XXXX CO {$27.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$9.00} XX/XX/ XXXX XXXX CA {$100.00} XX/XX/ XXXX XXXX CA {$27.00} XX/XX/ XXXX XXXX CA {$51.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$12.00} XX/XX/17 XXXX XXXX XXXX CA {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00}XX/XX/XXXXXXXX  XXXX CA {$87.00}XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CO {$30.00} XX/XX/ XXXX XXXX CA {$63.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$35.00} XX/XX/ XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$53.00}XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$11.00}XX/XX/XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX CO {$5.00} XX/XX/ XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$25.00}XX/XX/XXXX XXXXXXXX   XXXX CA {$130.00}XX/XX/XXXX XXXX XXXX XXXX NY {$48.00} XX/XX/ XXXX XXXX   XXXX {$110.00} XX/XX/XXXXXXXX   XXXX CA {$60.00} XX/XX/ XXXX XXXX XXXX XXXX CA {$60.00} Up to today Discover has not provide any findings for any of my requests for investigations into fraud. Discover has not provided any evidence that these are legitimate charges. Discover has knowingly sent my credit cards to incorrect addresses to a known fraud user. Discover has provided no monetary response to the financial hardship they have put me through. Discover has falsified or removed their documentation to cover the lack of action. 
I have seen that my current balance is negative. There are no details but a generic balance transfer amount to possibly cover all the fraud charges. However they are not allowing me to close the account and take this money that is owed to me.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I AM MAKING A RECORD ... .experian attorney and cfpb prosecutor will understand this legal jargon. 
10 minutes prior, XXXX of experian special services, XXXX texas at XXXX refused to reinvestigate XXXX XXXX acct   XXXX as closed.a dispute just finished where the creditor who speaks hindi told experian the account was open ... creditone does not have the authority to reopen a closed account without my approval and therfor the account is closed.i want XXXX   company experian to write a check for {$1000.00} statutory damages and mail it to me because XXXX believes his XXXX XXXX based customer XXXX  XXXX and not me and i am damaged by XXXX bias towards his customer. 
my credit is impacted by XXXX refusal to reinvestigate and without documentation from XXXX customer XXXX XXXXXXXX wont investigate.XXXX customer removed all account information from the internet upon closure which is why i want XXXX dollars from the creditor as well and will sue both at the same time. 
CFPB IS WELCOME TO FINE AND PROSECUTE EXPERIAN IN THEIR JURISDICTION.
Consumer complaint received 2019-10-14
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. (AR)

I have provided Equifax with all the information they need to " block '' the fraudulent account listed on my credit report, yet they haven't. I told them that my information was compromised due to the data breach they caused in 2017, and have provided documents showing that I was a victim of that data breach. Remove the account!!
Consumer complaint received 2019-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

This collection agency has continued to place this collection on my credit report after I have disputed it more than once. It has not been verified so I would like it removed from my credit report. 

Carter-Young , Inc . 

Account Details Original Creditor : XXXX XXXX XXXX XXXX   Account # : XXXX Balance : {$190.00} Open Date : XX/XX/2018
Consumer complaint received 2019-10-14
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: EQUIFAX, INC. (PA)

All 3 reporting agencies have XXXX credit card information stating a charged off account. The information should be deleted as it is a result of identity theft from equifax security breach in 2017. 15 attempts were made and incorrect information continues to be reported which has caused credit refusal, hardship and discrimination. All information was filed wit FTC, CFB and should be removed removed immediately.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX from a loan/lease in 2009. A car lease was purchased in my name sometime in 2009 with XXXX XXXX XXXX. I have been disputing this with them as it pertains to my Equifax & XXXX Credit Reports for  quite some time now to no avail. I have sent them requested documents more times than I can count only to call back a few days later from a follow up to be told that they never received the requested information. Despite the fact that this is not my account the company is currently reporting incorrect information on my Equifax & XXXX Credit Reports showing that the company accepted this as a loss and did it as a charge off and now they are also reporting that the account is not current which is affecting me twice as it pertains to my credit scores and negative information on my account. I was a victim of the OPM Security Breach & the Equifax Security Breach. This item is reporting as a negative and impacting my score  monthly as it pertains to a charge off/not current with payments {$2600.00}
Consumer complaint received 2019-08-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

-I responded to a letter I received in the mail In XX/XX/XXXX I from Capital One ( CAPONE ) offering me a Home Equity Line of Credit.

-On XX/XX/XXXX I received a letter from CAPONE Welcoming me to their Home, summarizing the terms of the approved Line of Credit. 
-With the loan documents I provided CAPONE proof of Flood   Insurance coverage though XXXX XXXX XXXX ( XXXX XXXX XXXX ), a policy valid through XX/XX/XXXX. 
- A letter from CAPONE dated XX/XX/XXXX indicated that the flood insurance on my property had expired, that a new policy had to be presented within 45 days. Another attachment indicated the loan was going to be sold. 
- On XX/XX/XXXX a phone call was placed to CAPONE disputing the validity of the notice of expiration of the Flood policy on my loan. 
- On XX/XX/XXXX, the XXXX XXXX XXXX XXXX policy valid though XX/XX/XXXX sent to CAPONE with the loan documents was uploaded again to their loan portal. 
-On XX/XX/XXXX CAPONE imposed a Flood Policy on my loan through XXXX XXXX XXXX XXXX ( XXXX ) for {$200000.00} with a {$6000.00} premium, valid from XX/XX/XXXX though XX/XX/XXXX. The total dollar amount I borrowed from the line of credit in XX/XX/XXXX was {$16000.00}. 
-On XX/XX/XXXX I received a letter of cancellation from XXXX XXXX policy effective XX/XX/XXXX. 
- As of XXXX/XXXX.CAPONE sold its Mortgages to XXXX   XXXX XXXX XXXX ( XXXX ). 
- As of XX/XX/XXXX XXXX started electronic withdrawal from my bank for interest owed, however the sum withdrawn was in excess of the interest. Numerous calls and letters were placed to XXXX to correct this situation ( XX/XX/XXXX though XX/XX/XXXX ). 
-On XX/XX/XXXX to stop the unauthorized withdrawals I paid the outstanding $ XXXX loan. 
-An additional {$870.00} was requested to cover the balance of the Flood Policy.

-In order to avoid foreclosure proceedings over {$870.00} I also paid this sum and requested immediate reimbursement upon verification of the XXXX XXXX XXXX XXXX policy with expiration on XX/XX/XXXX. 

My complaint : - It turned that Capital One issued a Mortgage with Advanced Clauses instead of the line of credit advertised and authorized. I am in the advertising business. This is illegal practice called bait and switch. A line of credit is not the same as a mortgage. 
That is why upon paying the balance on the loan XXXX closed it. I had opened the line of credit open to finance my business. 
- FEMA confirmed to me that XXXX XXXX XXXX XXXX the company that issued the imposed flood policy is not registered with them. If the {$1200.00} taken from my account did not go to FEMA where did it go? 
-I am still owed {$1200.00} plus interest for funds withdrawn from my bank account without my consent to pay for a flood   policy that was in place.n -Capital One responded in writing that I have to deal with XXXX XXXX XXXX XXXX because they no longer own the loan. 
XXXX XXXX XXXX to date has not reimbursed the {$1200.00} withdrawn from my account to cover the imposed flood  policy.
Consumer complaint received 2019-08-24
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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Every month Credit Acceptance Finance company is reporting to all 3 of my credit reports as if I'm late in making a car payment. The account with Credit Acceptance has been closed since XX/XX/2017, the month and year that they picked up there vehicle. How can they still be reporting to all 3 credit bureaus like the account is still active? They've had there car back since XX/XX/2017 and they still reporting as if I still have the car and I'm making late payments, that info is incorrect reporting to my credit for almost 2 years now.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There was a delinquency in XXXX and XX/XX/2018 with my credit account through bank of america for a late payment. I was not aware. I did not receive any statements or notifications. Also my checking account was closed right before this ( by choice of Bank of America ) and this checking account ending in XXXX was linked to my credit account. When i received this information, i was under the impression that both accounts where closed ( first credit card ever ) until receiving a phone call on XX/XX/XXXX or XX/XX/XXXX stating i owed a late balance. I paid the balance in full and closed the account immediately. Also i updated the mailing address just to be safe because the one that Bank of America had was incorrect. I have never, on any account, had a late payment. I was unaware completely and was not notified. The balance was only XXXX after the XXXX interest was added twice and this is effecting me very badly as well as causing denial on applications.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I contacted XXXX/XXXX to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.
Consumer complaint received 2020-09-14
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 2019-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-09-14
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 2019-08-26
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (WV)

I was contacted XX/XX/21 by voice mail from a woman stating she was from service dispatch and she attempted to deliver a summons to me at my address. She proceeded to say the attempt would be made again and if the name address is incorrect I must call XXXX and speak to the company holding this debt which is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX. Otherwise I would not be receiving further communication for legal process to begin. You have been notified. I called their office and gave them my case # XXXX-XXXX. A man named XXXX XXXX stated I owe a debt from a Visa card with Wells Fargo and it was from XXXX. He then proceeded to say they could place a lien on my home and although this is no longer on my credit report they can still collect on this debt for XXXX more years. I advised I was not aware of this card. He said dont you check your credit report? He then said the balance is {$7400.00} because of legal fees and interest. I said I do not have that kind of money. I would have to get a loan. He said hold on let me see if they will give an extension. He then came back to the line and said your extension would only be until Fri. XX/XX/21 and the settlement amount will be {$2900.00}. He then asked my email address to send me the paperwork and told me it would need signed. When I received the document it listed my social security number all of it on this piece of paper. Also the deadline date on the paperwork did not match what he told me verbally. The date on the paperwork stated deadline of XX/XX/21 which is today the date of our conversation. I opened it and printed it out but did not sign anything and will not. He told me if I decided to pay to call back and the debt could be pays by debit or credit card or electronic check. This all concerns me because I was notified by my HR Department back in XXXX or XXXX that someone stole my personal information and placed a claim with my employer under my name for unemployment benefits. I was so shaken up that I didnt ask any particulars such as their license number and if they could collect in West Virginia, or to request they send me documentation from Wells Fargo on this debt. I also advised I have never received anything in the mail from Wells Fargo or those Law Firm. He said well we have sent things. I stated the fact that I have never received anything at my home address. I am unsure what to do. Is this a scam? The statute of limitations for WV is 10 years. Also at the bottom of the document it states to not share any part of this message to any third party without written consent of the sender! This cant be legal?!! I am truly afraid and not sure where to turn or know what my next step should be? Please help! XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-07-27
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: Aargon Agency, Inc. (FL)

The argon agency ink is reporting a debt of {$2100.00} owed for my nieces visit to XXXX XXXX XXXX in XXXX  Florida on XXXX XXXX, XXXX 
My niece fall at her home and could not get up. Her knee popped out of place. Her mother was unable to get to her in a timely fashion so she called me and I picked her up and took her to the ER to get her assistance. While in the ER I did nit provide my information other than my ID because I told them her mother had insurance for her, which she does. Long story short the company is report this as negative on my credit report. Ive disputed this on my credit report even provided my nieces mothers name and contact information. Furthermore, the mother agrees with me that this is her debt and not mine. I have never receive a bill or any communication about this debt other than it being reported on my credit reports. Id like this removed from my credit report immediately as this is not accurate nor is it fair to me as a consumer.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-27
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. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated 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 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.