davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (CA)

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 2024-06-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I Contacted This Company Because My Monthly Government Benefits Was Loaded on My Card As THEY Are Every Month, I Tried Using My Card And All Transactions Would Not go Thru, I Contacted The Company And I Was Told That There Was A Restriction on My Card And I Couldn't Use it, I Asked Them Several Times WHY I Couldn't use My Card And What Was The Restriction? THEY Told Me They Couldn't tell me What was The Restriction And/or Why It Was A Restriction Which Doesn't Make Any Sense at All, THIS is Now XXXX XXXXXX/XX/year> And My Money is Still on My Card And I Still Can't Use it, This has Caused me to get Evicted From My Previous Residence Because I Couldn't Access The Funds to Pay Rent So Now I'm Being Forced to Live With Family Members..
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I am now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-04
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)

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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-06-04
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXXXXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

Transunion and XXXX : Account number XXXX. MUST BE REMOVED NOW XXXX : XXXX account number has never been late. This late payment MUST BE REMOVED FROM XXXX immediately. 

I disputed XXXXXXXX XXXX XXXX XX/XX/2023 as well.
Consumer complaint received 2024-06-04
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (TX)

I am reaching out to inform you that I have identified inaccuracies in my credit report. These accounts were never paid late as it is reported. I request that you verify the information and correct the inaccurate late payment remarks from my credit report as quickly as possible. I have identified the discrepancies in the reported payment history, and I am providing the details below for your investigation. 
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 XXXX XXXX
Consumer complaint received 2024-07-09
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: CITIZENS FINANCIAL GROUP, INC. (MD)

Citizens Pay Line of Credit attempted to make a payment to my account tied to my XXXX credit card. However, XXXX erroneously closed my card for fraud. I explained the situation to them, and they assured me that they would remove the erroneous report from my credit report since I had proven the error was on XXXX 's part, not mine. Despite their promise, they have not removed it from my credit report.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Im disputing owing any and all debts I am also revoking all rights of them communicating with me through email text and calls. Im requesting debt validation I am also requesting the purchase agreement between the debt collector and the original creditor Im also requesting they furnish proof that they are licensed and bonded. The collection agency has not provided validation information but yet placed a collection on my consumer report. I have not been given a chance to dispute the account. The collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosure required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Contacted Capitol One. Asked why I was charged {$39.00} late fee when payment was on time as the previous payments. Have proof on cc itself as well as my bank. Asked when they were dropping their fees since it was illegal to be charging such a high fee. Capitol One put me on hold for XXXX mins then disconnected.
Consumer complaint received 2024-08-23
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)

XXXX XXXX is reporting false information my credit report. I have never done business with the agency. I have no knowledge of the debt they are claiming is mine and I requested a copy of a contract or agreement with wet ink signature
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Filed FTC report on XX/XX/XXXX Result of Identity Theft Information sold to debt collector ( unauthorized ) Did not get my signature, nor approval to sell my information to another company
Consumer complaint received 2024-07-09
Product: Credit 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 (MI)

I sent Capital One a written notice that I'd like to dispute charges on XX/XX/year>. Since then, XXXX agents have lied to me on the phone about their " inability '' to accept written notices of disputes and a need to take the information in on the phone. Meanwhile, a retailer who has confirmed I am due over {$1000.00} in refunds has been claiming they can't refund the items because of the dispute Capital One never started. I never informed this retailer I submitted a dispute for those charges. Just as with XXXX XXXX  XXXX XXXX  phone call, I would record it anyway. They have sent no forms, or initiated any dispute. I have a recorded call with an agent telling me no dispute has been started. The only logical reason for this is they want to take the information in incorrectly so they can accuse me of fraud like XXXX XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One has reported that there was a balance owed for a charged off amount that was incorrect by admission of their own reporting and accounting ( per correspondence and repeated reporting month to month. Per my rights of 15 USC 1681 ( b ), I have the right to have accurate and truthful information reporting and being furnished as I am a federally protected consumer with rights of both privacy of personal information according to the privacy act of 1974, and to have my transaction history being reported without my consent as well as blatantly reporting inaccurate information knowingly. ( PLEASE SEE Attached Documents ).
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, WI, XXXX EMPLOYER - XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXXXXXX
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ENCORE CAPITAL GROUP INC. (NY)

Complaint Against Midland Credit Management for Improper Debt Collection PracticesDear Sir/Madam, I am writing to file a complaint against Midland Credit Management , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA  XXXX, and their attorney, XXXX  XXXX. 
Constractor, New Jersey law, firmXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX NJ XXXXXXXX, for improper debt collection practices.Summary of Events : Bank Account Frozen : I live in New York and have a bank account here.On XX/XX/2024, I found out that my XXXX XXXX  account was frozen with {$800.00} taken.I never received any court papers about a lawsuit against me in New Jersey.Wrong Address and Misleading Notices : I objected to the bank account freeze in XXXX XXXXDespite providing my correct New York address , the court continued to send notices to the wrong address.The notices instructed me " Do not come to the court '' and stated " No oral arguments will be presented. " My objection was subsequently denied on the grounds of " failure to appear '' for the hearing, despite the misleading notices and improper address use.Legal and Financial Issues : New Jersey law states that funds under {$1000.00} are exempt from garnishment.The court 's ruling was based solely on the documents provided by the plaintiffs attorney, which violates both federal and state laws.The actions of Midland Credit Management and their attorney have caused me financial and emotional stress.Pattern of Complaints : Midland Credit Management has many consumer complaints against them for similar issues.They are using New Jersey authorities in ways that violate New Jersey law.Request for Investigation : I am asking the Consumer Financial Protection Bureau to investigate the actions of Midland Credit Management and their attorney. Specifically, I request : An investigation into why my bank account was frozen.A review of the court 's handling of my case, including the wrong addresses and misleading notices.Assurance that New Jersey law and federal laws are being followed regarding exempt funds.An examination of the broader pattern of complaints against Midland Credit Management.A resolution that addresses the financial and emotional harm caused to me.Thank you for your attention to this matter. I look forward to a prompt resolution.Sincerely, XXXX XXXX
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma (CO)

On XX/XX/year> I received an email starting my email was removed from my XXXX XXXXXXXX account. Mine later XXXX then sent an email that a loan was taken out via XXXX XXXX XXXX I started a chat with credit karma to close the fraudulent account, but they will not investigate who hacked them and used my data to get a loan. I asked for this information to be pushed to the hiring up so that they are wear of the back and fraudulent loan.
Consumer complaint received 2019-07-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

My mortgage loan servicing company is PHH Mortgage Services, XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX. I have been making regular mortgage payments, by way of bank drafts initiated by PHH, since XXXX, XXXX. From time to time, I have made additional principal payments, ten in all totaling {$10000.00}. I regularly track my activity on the PHH website ( XXXX ). To my discredit and chagrin, I only recently noticed the website offered less than complete information on my payment activity, and what was offered was confusing. The loan activity column on the website shows only payments made, the dates thereof, and the ostensible application to the loan. Worse, when I have made additional principal payments, the amount showed as applied to the loan balance is always {$0.00}. Nowhere on the site is there to be found a conventional amortization schedule which would reflect the missing information ; i.e., what amounts from each regular payment and additional principal payment are applied to principal and interest and the resulting principal balance.By letter dated and mailed XX/XX/XXXX, I requested a complete amortization schedule from the beginning of the loan, showing all the information detailed above. The only response has been a note, dated XX/XX/XXXX, stating PHH is still researching the matter. As all the information I have requested is within their knowledge and control, no research should have been necessary. This delaying response makes me question their sincerity in providing me with complete and accurate information. I have correspondence corroborating my allegations. Please investigate ; my Loan Number with PHH is XXXX.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANKMOBILE TECHNOLOGIES, INC (TX)

XXXX XXXX ( operated by XXXX XXXX XXXX closed my checking account without prior notice on XX/XX/year>. They will not tell me why. I have been told that a check with the closing balance of {$9900.00} was mailed on XX/XX/XXXX or XX/XX/XXXX. I have been given both dates by bank representatives. I was told it would arrive in 5-7 business days. Accounting for the XXXX XXXX holiday, today is day XXXX if it was mailed on XX/XX/XXXX. I have called multiple times to get more information on the whereabouts of the check and to ask to have the check overnighted to the address on file ( I even told them I would pay for the shipping costs ). Each time I am told to " wait another day or two '' or that they can issue a new check after a " 1-2 business day review to see if the check has been cashed '' but that it will take " another 5-7 business days '' for a new check to arrive. I am not interested in going through this process again. I am traveling abroad and this checking account is the only access to funds that I have. To say this has been an inconvenience is a gross understatement. I have begun to question if the check was ever mailed at all. Given that the amount of the check is a significant amount of money I feel I should be offered a better option to receive it. I would like to be able to track the envelope and, at this point, want the check overnighted to me. I have attached a screenshot to show that I have reached out to the bank multiple times to get this resolved. 

In addition to the account closure, I disputed two transactions that I made on the beach in XXXX on XX/XX/year> ( posted XX/XX/year> ) that resulted in be being charged {$280.00} and {$960.00}. These transactions were for XXXX drinks from a roaming beach vendor. The bank denied these disputes and I requested a report showing what steps were taken to come to this conclusion as well as proof that I authorized the transactions. I never received this information. All I received was the original message that the claim had been denied. That message said that the merchant was contacted by phone and provided proof that I authorized this transaction. I want to know what that proof is because in XXXX all XXXX debit cards are ran as " XXXX '' so no pin is required. I also did not sign any receipt for this purchase. Since the purchase was made from a beach vendor without a storefront ( that I know of ) I am very curious how the bank contacted this person and what proof was given to show these amounts are correct.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Alorica Inc. (NJ)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.