davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE SWEARS I OWE THEM 400 PLUS DOLLARS BUT CAN'T PROVE IT. I ASKED THEM MULTIPLE TIMES. I EVEN PHYSICALLY WENT INTO A LOCATION IN XXXX XXXX. THEY TOLD ME MY ACCOUNT WAS CLEAN, THEN OFFERED ME AN AUTO LOAN. 

HOW CAN I GET ANOTHER LOAN IF I OWED? A LOAN FOR 100 TIMES THE AMOUNT SUPPOSEDLY OWED? EXACTLY. THAT'S NOT HOW IT WORKS. 

I'VE DISPUTED THIS MULTIPLE TIME. I DON'T KNOW WHAT ELSE TO DO, BUT COME XXXX XXXX XXXXXXXX. 

I ALREADY PAID THE CARD I HAD WITH YOU ALL. LATE, BUT I PAID IT. ONCE I PAID IT, YALL BEGAN ASKING FOR MORE MONEY. HOW? HOW CAN YOU BE CHARGING ME PAST INTEREST ON SOMETHING THAT WAS PAID OFF? THEN YOU KEEP GOING TO XXXX XXXX XXXX. 

AFTER I PAID THE CARD OFF, TELL ME, WHY WOULD I WANT ANOTHER ONE? YALL XXXX  AND LAZY. I WISH I HAD ENOUGH FOR A CLASS ACTIONS LAWSUIT. 

STOP ASKING ME FOR MONEY. DIRECTLY OR THROUGH YOUR FLUNKIES. I DON'T OWE YOU ANYTHING. YOU SAID I DON'T. EVEN THEN, THAT WAS IN XXXX. NO LATER THAN XXXX. HOW CAN YOU STILL BE CLAIMING THIS 7 YEARS LATER. PAID OR NOT? 

IF YOU CONTINUE TO ILLEGALLY HARASS ME, I INTEND TO FILE AN OFFICIAL COMPLAINT WITH MY STATE, LOCAL, AND NATIONAL COURT UNDER THE FCRA. YOUR INTERFERENCE IN MY LIFE HAS COST ME AN OPPORTUNITY TO GET EVEN MORE CREDIT FOR OTHER THINGS. STOP IT. NOW.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Capital One accounts were restricted on XX/XX/XXXX while some transfers were being investigated. I had an ongoing ACH credit from one of my XXXX business accts to my personal checking account for the amount of {$7000.00}. While all automatic linked debits, including utility bills and credit cards were declined and I had to change them to my XXXX XXXX account, Capital one has continued to process the automatic credit from XXXX knowing I have no way of accessing those funds. They have now pulled {$21000.00} from my business account since the " restriction ''. I was not aware until I received a mailed statement almost a month later as Capital one has not allowed me to access my accounts online. I have called multiple times and left messages. No one has returned any of my calls. I wrote a letter ( attached ) which also addressed the original wires that led to the restrictions and again have not received any response.
Consumer complaint received 2020-08-23
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: AMERICAN EXPRESS COMPANY (TX)

AMERICAN EXPRESS SERVE IS INDEED XXXX. I  WISH I COULD HAVE MORE PROOF. NO WAY A COMPANY CAN SURVIVE PROVIDING BENEFITS FOR THE PEOPLE OF TEXAS, ONLY TO XXXX   IT AND NOT COME THROUGH WITH THEIR PROMISES. 

I CLOSED THIS ACCOUNT ON A THURSDAY, AFTER AMERICAN EXPRESS FAILED TO PREVENT AN ACCOUNT HACK FOR XXXX. AFTER THAT FAILURE, ONE OF MANY OVER THE COURSE OF 2 YEARS, I CLOSED THE ACCOUNT. 

IT TOOK THEM 4 DAYS TO PROCESS IT. THEY REFUSED TO EXPRESS MAIL IT. I ALREADY HAVE TO WAIT 7-10 DAYS, ASSUMING THE POST OFFICE STILL EXISTS THEN. 

HOW CAN IT TAKE ALMOST 6 WEEKS TO GET SOMEONE THEY'RE MONEY BACK? MAKE IT MAKE SENSE. IF I EVER SEE THE PEOPLE RUNNING THIS BANK, IM XXXX ALL THEY XXXX. XXXX XXXX.
Consumer complaint received 2020-08-24
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: Synovus Bank (PA)

First Progress Card did not give me a provisional credit for a dispute that I filed on XX/XX/2020. Violation of Regulation e. The case ID number is XXXX, I still have not received my item from merchant XXXX.
Consumer complaint received 2020-11-14
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. (TN)

On XX/XX/XXXX I received verification from Equifax that an account had been verified by XXXX ( see attached screen shot from Equifax ). I am including a letter from XXXX that proves NO verification came from them. This account was NEVER VERIFIED OR INVESTIGATED IN ANY WAY. EQUIFAX LIED AND FRAUDULENTLY STATED THIS ACCOUNG WAS VERIFIED WHEN IT WAS NOT. 

This is just one example of the ongoing lies from Equifax. This account is unverified and must be deleted.
Consumer complaint received 2020-08-24
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. (GA)

To whom it may concern, I have tried on several occasions to resolve this matter with Experian credit reporting agency, but they have not responded correctly. This is a fraudulent account place on my credit report by XXXX XXXX XXXX. I was only able to submit on dispute request on XX/XX/2020, because the website will not allow another. Thank You
Consumer complaint received 2020-11-13
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. (UT)

I feel I have been a victim of Identity Theft from several Data Breaches. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. I was a victim of the 2017 Equifax Data Hack that 147 Millions credit reports were stolen while on Equifax 's watch. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synergetic Communication Inc (MD)

Hello- I have been mailing letters, calling and emailing and have not received a response. I spoke with a representative in XXXX regarding a settlement letter I received for my account and settled my account with her that day. The amount was {$1500.00}, on XX/XX/XXXX. 

( XXXX ext XXXX XXXX XXXX ) It is now XXXX and not only is my credit report not updated to show as settled with no balance due, but XXXX is also stating that they have no knowledge of this because Syncom has not notified them. I spoke with Syncom ( the debt collector ) in XXXX and the lady stated it is showing as settled and sometimes it takes time and if it was not showing by XX/XX/XXXX, to do a dispute with XXXX. 
I do not like that I was lied to and possibly stolen from. Why would the representative state that the account was settled in full, and simply take my money and never report it as settled. I would not have randomly paid {$1500.00} to just deduct from the balance on my credit report.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a unused credit card from Capital One for which I was paying a lot of money on Membership Fees. OnXX/XX/XXXX I called Capital One ( at around XXXX XX/XX/XXXXPDT ) and asked them to close my credit card. There was no option to close the credit card from the online site. This is a very deceptive and dubious practice. I spoke to the customer service person for more than 15 minutes who tried various ways to keep the account active which I declined. I asked them to close the account immediately. On XXXX I found through credit reporting agency that my card was still open and I was being charged Annual Membership fees + Interest charges and I was missing payments for the same. I did not receive a paper statement it nor did I receive an email. I was under the impression that my card was closed. Today I chatted with Capital One online so that I can keep a record of my chat. They told me that they can not help if the account was not closed and can waive the fees if I pay the membership fee. This is extortion in broad day light with the help of the Government. Why they don't have an option to close account online as that would give us a clear record and a transaction ID? Basically they want you to call them so that they can keep your cards open. Capital One has ruined my credit report and they should pay for it. 

This is the same practice XXXX XXXX did with me few months ago and the same practice by Capital One. 

I don't think CFPB will do anything ( as they did not do anything regarding similar complaint against XXXX XXXX ) but I am recording this complaint anyway so that I can reach out to our congressman and senators with the same complaint.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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. 

This is account needs to be investigated and deleted immediately from my file. 
Please send me confirmation once complete. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This needs to be done.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The company is reporting inaccurate information to XXXX and Experian credit bureaus. The date of last activity is different on both reports. The date of last payment is different on both reports. The date of last payment is different on both reports. But when i dispute the item the company continues to say that it is accurate. How is it accurate with both credit reporting agencies when it is different on both.I have repeatedly asked Experian and XXXX to investigate the reporting. I sent them copies of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I repeatedly contacted the creditor acceptance now asking them to validate the account. I asked the to send me a copy of the contract with my signature stating that I've agreed to pay them, along with the terms and balance. They have not responded to either letter i wrote them all sent by certified mail and return receipt that was signed by someone at the company. I am really discouraged by this. I am paying XXXX, XXXX XXXX dollars for a car that only cost XXXX, XXXX because of these companies negligence. I was just turned down for a mortgage because their negligence. The dates that i contacted acceptance now are included with the certified mail receipt and return receipts. I did not include them all because there are so many but what i have included should be enough. XX/XX/2020. XX/XX/2020. XX/XX/2020. XX/XX/2020. These are the recent contacts but i have some dated all the way back. I thank you for your help. Certified mail receipts and return receipts uploaded for proof and response letters from the Credit Bureaus themselves.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC ()

Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. 

Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report Sequium Asset Solutions , LLC response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. Sequium Asset Solutions , LLC is a collection agency representing XXXX XXXX XXXX XXXX in association with a collection claim on account number XXXX.  XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX, XXXX and XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer,  XXXX XXXX
Consumer complaint received 2020-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (MA)

I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. Resolutions Investments LLC as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report ( an alleged Bankruptcy chapter XXXX account unverified information ). I was furious to learn that they obtained unverified information from LexisNexis and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company XXXX LexisNexis XXXX reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and LexisNexis, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. LexisNexis is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with LexisNexis and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have contacted Capital One on several occasions via letters XX/XX/XXXX & XX/XX/XXXX and - most recently calling on XX/XX/XXXX and XX/XX/XXXX regarding a late payment reporting differently at different credit bureaus. On my XXXX report I go from making on time payments one month, to immediately being 60 days late the next month ( XX/XX/XXXX ). You can not go from on time in XX/XX/XXXX to 60 days late in XX/XX/XXXX in a one month period. This one error of showing 60 days late has dropped my credit score by 100 points. On my XXXX report I go from making on time payments one month, to being 30 days late ( XX/XX/XXXX ). Both can not be correct. I can not be 60 days late on XX/XX/XXXX at XXXX and 30 days late at the same time on XX/XX/XXXX at XXXX and XXXX. The 60 days late alone at XXXX  has caused my score to drop tremendously. I would like these late entries deleted from all 3 credit bureaus and to report on time payment for the month of XX/XX/XXXX. I have been a happy customer at Capital One until this one issue. I have paid my balance to down to XXXX. I have a right to have Capital One report accurate information. I would like the late payment deleted all together from all 3 credit bureaus for the month of XX/XX/XXXX.
Consumer complaint received 2020-08-24
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. (OH)

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I do not have any loans or services with any of them. Errors please delete
Consumer complaint received 2020-11-13
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: Resurgent Capital Services L.P. (PA)

On XX/XX/2020, LVNV FUNDING LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-10-17
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-08-24
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: AFNI INC. (AR)

Over the past few months I have been in constant contact with the all three of the major consumer reporting agencies regarding fraudulent established accounts currently reporting on my credit reports. After realizing I had became of victim of identity theft I completed a police and identity theft report and sent copies to each credit bureau. For some reason an account currently owned by a company named AFNI continues to violate my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practice Act by reporting this fraud related account to my XXXX and XXXX credit report after being notified directly from the bureaus. In addition I never received any initial 5 day communication notice from this AFNI Company as per the FDCPA requires. I find this erroneous credit reporting unacceptable and AFNI is  deliberately continues to violate the law.