davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One deactivated my card when I had it in my possession in the house and now refuse to issue me a new one. They do not even have my address at XXXX  XXXX XXXX, XXXX XXXX, Fl. XXXX and everyday I call them and they say the card will come tomorrow but it has been two weeks and no card sent to me as a replacement. 

The card I had does not match the ones they say I have which they claim is XXXX and XXXX but my card was XXXX XXXX XXXX XXXX snd give no reason for deactivation. I made my payment this month but it was foolish because they credited the wrong person. 

They need voice print like XXXX XXXX  has as they are in constant confusion of who I was when I called them up reading me wrong card numbers. 

it is an identity problem that they ever issued the card. It should be marked paid for that reason.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

To Whom Concerned : I've tried to correct a bogus address on my FICO credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (CT)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All 3 credit bureaus continue to report bankruptcies that don't belong to me ... ... all 3 claim to have verified these bankruptcies with the courts ... but the courts clearly state that they don't provide any information to any 3rd party including Credit Bureaus. So these bankruptcies are being reported incorrectly ... inaccurately and unlawfully ... .per the FCRA.
Consumer complaint received 2024-08-17
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: Experian Information Solutions Inc. (NY)

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.

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 2024-08-17
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. (FL)

XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX I have identified multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. These accounts and inquiries are obstructing my access to necessary credit. Under Section 605B of the FCRA, I request their immediate removal. Please address this matter by promptly correcting my credit file. Thank you for your swift attention to this issue.
Consumer complaint received 2024-08-17
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. (FL)

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. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2021-01-02
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. (AL)

XXXX XXXX XXXX  {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX {$0.00} FRAUD REMOVE XXXX {$960.00} FRAUD REMOVE XXXX XXXX  {$1000.00} FRAUD REMOVE
Consumer complaint received 2020-01-14
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/XXXX I went shopping with my father in XXXX, XXXX.We got out of the taxi and as soon as we did a guy acted like he recognized us and said he was a waiter at the XXXX ( where we were staying ). He continued to talk to us and ask if we wanted to see the shop his family just opened. It was XXXX block down and across the street, so we said sure. I looked at a pair of earrings and they said they were {$120.00} but I could get it for {$65.00}. I commented that they werent even marked to be silver and he said his grandmother must have forgotten to stamp them. I figured they were pretty enough for costume jewelry and I didnt care. They said they preferred to be paid by credit card to build their rating. They scanned the card and another person was talking to me. There were 3 of them in the shop. They said they were having an issue with the internet and went to the front of the store. This was the only time I took out my card when I was in town or used it that day. They did not give me a receipt or have me sign. They gave me a certificate of authenticity which I knew was false for that price and they hand wrote {$65.00}. 
As soon as I got to my room I went online and seen there were 2 charges on my card. One for {$1000.00} from a XXXX XXXX XXXX and one for {$860.00} for XXXX XXXX XXXX. There wasnt anything for {$65.00}. I immediately called Capital One ( this was within 2 hrs. of shopping ) and reported it. The gentleman I spoke with said he would cancel the card and report it as fraud. I thought it was taken care of. While unpacking I just threw out the certificate of authenticity knowing it was garbage and thinking I didnt need it. Then just before XXXX I read a letter from Capital one stating that it was determined it wasnt fraud and was paid. Evidentially because they were in possession of my card its not considered fraud even though I didnt authorize the charges or sign for them. This is WRONG. I called Capital One on XX/XX/XXXX and spoke with a manager. I then filed a dispute. They were unable to give me contact information from the vendors and did not care that I didn't sign for the purchases. They said I had to contact the vendor which is impossible via the internet. 
I brought the earring into a jeweler I use, and he confirmed there costume jewelry and not worth more than {$30.00}. I have included a statement from him. 
This is wrong just because they're holding my card they can charge as much as they want and charge via another vendor and not have to prove anything when reported immediately as incorrect.
Consumer complaint received 2024-08-17
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. (FL)

Experian is reporting a XXXX account as open and this account has been closed since 2019, even reporting XXXX every month in an inactive account. I demand that this be deleted from my credit, inclusive they report an address with i never live on, This violate my rights under FCRA see attachment.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2020-03-04
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: Home Point Financial Corporation (MD)

Good Day, I am writing to dispute the derogatory credit mark made against me by Home Point Financial. Home Point received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from Home Point claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called Home Point customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per Home Point 's policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on Home Point 's part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. Home Point 's lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, Home Point processed it as principal-only, unauthorized.
Consumer complaint received 2020-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Applied Business Services, Inc. (NC)

I hav disputed this exact collection with other bureaus and with the company, and XXXX  and XXXX  both did not receive sufficient enough information to verify. Although, XXXX  is still reporting this, and I have requested disputes on this account. It appears to be a Ambulance and/or medical bill. 

I can not verify the authenticity of this as they have not and legally can not provide that information. So through XXXX, I requested that they receive documentation regarding this dispute, and it has just been completed. So, for one, the only way the representative stated he would verify the account is social and date of birth, although I feel like a victim in the sense of I can not even receive verification, nor have I ever received a bill for this account in question. 

Also, why would 2 bureas remove the collection while 1 can not? And on top of that, if they did provide patient information ( to include name, date of birth, and social ) and/or documentation, that is a clear violation of HIPAA laws, due to medical information.
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

I have been contacted by a debt collector, Resurgent Capital Services ( RCS ) numerous times. Each time I have ask for a copy of the original contract that they are claiming that I signed. They have refused to do this, and have sent me, twice, info that says an account was opened in my name and using my SS #. I disputed this through XXXX XXXX, and RCS sent them the same info that they sent me, and I was told by the Credit Reporting agency that I owed the debt. This has not, or ever was, listed as being disputed. The amount is for {$1800.00}. Because RCS has not sent me valid proof that this debt is mine, it should be removed from my credit report.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-17
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. (SC)

I am requesting the information regarding the method of verification employed by your XXXX  to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-17
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. (VA)

XXXXAccount number ( inaccurate report i paid in full and was never late ) XXXX XXXX XXXX- ( no knowledge to this account ) {$3900.00} Account number XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$180.00} XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$780.00} Account number XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$120.00} Account number XXXX i demand these items to be remove i also reported to the ftc
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

XXXX XXXX is reporting an account I had with this company as a charge-off with all three credit reporting agencies when I called XXXX XXXX to ask them to update my account status to paid in full and close they told me the account was charged off, I then proceeded to ask them to provide me with a 1099C since the account was charged off they said to me that they would not issue a 1099C.
Consumer complaint received 2024-08-17
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. (NY)

Im extremely upset and baffled to discover inaccurate accounts on my credit report this morning. Its always been accurate before, so this sudden change is really troubling. I tried refreshing my browser, thinking it might be a temporary issue, but that didnt helpthe mistakes are still there. I urgently need the documents I sent to be reviewed properly so I can stop XXXX over this.