davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. 

Compliance Issues and Inconsistencies : 1.Inconsistent Payment Status : XXXX and XXXX report this account as Charge-off, while Experian lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. 
2.Conflicting Last Updated Dates : The last updated date for XXXX and XXXX is reported as XX/XX/year>, while Experian shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified.

3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. 
4.Irregular Derogatory Events : XXXX lists 30, 60, and 90-day late payments spanning various months, whereas XXXX and Experian do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I HAVE ASKED JEFFERSON CAP TO SHOW PROOF OF THE PURCHASE AGREEMENT BETWEEN THEM AND THE ORIGNAL CREDITOR THEY SENT STATEMENT TRANSACTIONS WHICH IS NOT A PURCHASE AGREEMENT ALSO ITS REPORTING AS A CHARGE OFF PER THE INTERNAL REVENUE SERVICE A CHARGE OFF IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED AND A CONSUMER REPORT IF IT IS A CHARGE OFF WHY HAVE I NOT received A 1099C cancellation OF DEBT LAST THING THE DATES OPEN ARE ALL different which is innacucurate information being reported I am writing to formally dispute the above-referenced account, which you have reported to consumer reporting agencies. I believe that your company is violating my consumer rights by using false, misleading, and deceptive means in attempting to collect on this alleged debt. Additionally, you have failed to provide the disclosures required by law under 12 CFR 1006.34 ( d ), and you are in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which governs your obligations regarding the accuracy of information you furnish to consumer reporting agencies.

Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), your failure to provide accurate and complete disclosure of all necessary information prior to furnishing details to consumer reporting agencies further substantiates the illegal practices you are engaged in.

I am hereby requesting a validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). This includes, but is not limited to : 1. A complete validation of the debt, including the amount owed, the name of the original creditor, and the detailed calculation of any alleged amounts.

2. A copy of the purchase agreement between JEFFERSON CAP LLC and the original creditor that outlines your authority to collect this debt!!!!. 

XXXX XXXX Account # XXXX XXXX High Balance {$1100.00} {$1100.00} Last Verified -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Balance Owed {$1100.00} {$1100.00} Closed Date -- -- Account Rating Derogatory Derogatory Account Description Individual Individual Dispute Status Account not disputed Account disputed Creditor Type Bulk Purchase Finance Factoring Companies Account Status Closed Open Payment Status Collection/Chargeoff Late 120 Days Creditor Remarks Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes this account information Collection account Original Creditor -- -- Payment Amount {$0.00} {$0.00} Last Payment -- XX/XX/XXXX Term Length 1 Month ( XXXX ) -- Past Due Amount {$1100.00} {$1100.00} Account Type Unknown - credit extension, review, or collection Collection Payment Frequency Credit Limit {$0.00} {$0.00}
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I am writing to formally request the immediate removal of certain inquiries from my consumer report that I believe to be inaccurate and potentially harmful to my credit profile. I have identified multiple inquiries listed below that do not comply with the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX XXXX Experian ) XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) Under the FCRA, I have the right to dispute any inaccuracies on my consumer report. I believe that these inquiries do not reflect my actual credit activity and should not be part of my report. If these inaccuracies are not resolved, I intend to pursue legal action as permitted by the FCRA. 

Failure to Provide Notice : I was not provided with proper notice of these inquiries as required under the FCRA. I should have been informed whenever a creditor requested my credit report. 
Unauthorized Inquiries : I believe some of these inquiries were made without my consent, violating my rights under the FCRA to have control over who accesses my credit information. 
Inaccurate Reporting : The inquiries listed do not accurately represent my credit activity, leading to a misleading portrayal of my creditworthiness. This has caused potential harm to my credit score and my ability to secure financing. 
Inquiries Not Related to Credit Transactions : Some of these inquiries appear to be for purposes unrelated to credit transactions, which is a violation of the FCRA guidelines regarding permissible purposes for obtaining a consumer report. 
Failure to Investigate Disputes : If I disputed any of these inquiries previously, I did not receive a satisfactory investigation or response from the reporting agency, which is a violation of my rights under the FCRA. 
Retention of Inaccurate Information : The continued reporting of these inaccurate inquiries violates the FCRAs requirement to ensure that all information in a consumer report is accurate and up-to-date.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IL)

I received a letter stating that I owed XXXX from AFNI XXXX XXXX XXXX XXXX XXXX IL XXXX I disputed this and asked for verification of this debt. I received a letter stating they have verified this debt. However, they did not provide any back up of this alleged debt. 
Can you please request verification and if it can't be verified. Please have them remove this from all credit bureaus and please send a letter this has been done. 

PS. I have XXXX now for service. If I owed this debt they would not have given me service. 

Thank you for your help.
Consumer complaint received 2023-03-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc (AL)

Possibleff this account in XXXX. They have now illegally reopened the account with current dates which falsely manipulates the statute of limitations. Charge offs are not allowed to have active payment history and can not be opened and closed at the creditors decision. I have also requested verification of debt over 90 days ago to verify orginial signatures and they refuse to process the request. This is illegal and the creditor has no choice but to provide validation of this debt and remove past history as this is a CHARGE off and you can not manipulate the dates.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (MD)

In XX/XX/XXXX I set up an automated external transfer from a Synovus Checking account to a XXXX Savings account in the amount of {$5000.00} on Mondays weekly, through the Synovus Mobile app. I had some {$36000.00} in the account and my intention was to close it eventually. 
In XXXX, when I saw the funds were below {$5000.00}, I attempted to stop the automatic transfer. I could not find any way to do this through the app. It was the weekend and the offices were closed, so I intended to call during the week to stop the transfer. I incurred an overdraw fee of {$36.00} when I attempted the transfer. On XX/XX/XXXX, I called their offices, and the transfer was stopped through a stop payment order, which incurred a " service fee '' of {$36.00} that I was not informed about. 
The transfer was also shown as a transaction in their system and on my account, and it was referred to as such by the employees I spoke with. This seems to be part of the issue as well. 
On XX/XX/XXXX I attempted to make a one-time transfer of {$500.00} to get the majority of the money left in the account out, but my account was locked. I then called them again, had the account unlocked, and asked for the service fee to be removed from the last call. Synovus complied. 
On XX/XX/XXXX the automated {$5000.00} transfer was attempted again and incurred a returned item fee. On XX/XX/XXXX, I called them again. The first woman I spoke to was quite nice. I was referred to their dispute department, where I was talked down to about being unable to remove the automated transfer myself, and was condescendingly told that the representative was waiving the service fee. Apparently, despite the representative supposedly removing the transfer, the only cavemanlike solution was to lock my account again. 
I will be closing this account asap, mostly due to being removed from the area Synovus covers but also now due to this inane treatment, I've experienced, along with their horrible mobile app.

I don't seek any resolution. This is just an obnoxious situation I do not want anyone else to experience. Someone less aware might lose money due to these obnoxious fees and stupid systems.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a complaint against CAPITAL ONE FINANCIAL CORPORATION for violating my federally protected consumer rights. I contacted the CFO XXXX XXXX XXXX, directly but have not received any response. 

*NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* I recently received a copy of my XXXX, XXXX, and XXXX consumer reports. I noticed that it is reporting my experience with CAPITAL ONE FINANCIAL CORPORATION. The line of credit I have with your CAPITAL ONE FINANCIAL CORPORATION. The line of credit I have with CAPITAL ONE FINANCIAL CORPORATION, which is characterized as utilization on my consumer reports, CAPITAL ONE FINANCIAL CORPORATION IS ILLEGALLY REPORTING THIS EXPERIENCE, ( utilizations ) on my consumer reports. 

XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX CAPITAL ONE FINANCIAL CORPORATION is in clear violation of the law. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer, ( ME ) and the person, ( YOU ) CAPITAL ONE FINANCIAL CORPORATION, Making the report is not included on my Consumer Report! 
Utilization is an experience with the line of credit that was extended between the consumer, ( ME ) and the person, ( YOU ) CAPITAL ONE FINANCIAL CORPORATION, the person making the report is NOT INCLUDED on my Consumer Report! CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the Consumer Reports! 

YOU HAVE VIOLATED THE FCRA 15 U.S. Code 1681a2 ( A ) ( i ), by reporting this transaction, or experience ( Utilization ) on my Consumer Reports, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below or delete all utilization from the below account : CAPITAL ONE Credit Card Account Number : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above utilization will result in legal action being taken against CAPITAL ONE FINANCIAL CORPORATION, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent, Non-Compliance. 
3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act, 15 USC 1681 for violations under willful and non-compliance. 616. 15 U.S. Code 1681n.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX jewelry stores took money out of my debit card unauthorized status jewelry on XX/XX/year> {$1200.00} XX/XX/year> {$750.00} and XX/XX/XXXX {$5900.00} XXXX  XXXXXXXX XXXX XXXXXX/XX/year> for {$280.00} and {$550.00} XX/XX/year> for {$500.00} and {$2200.00} XX/XX/year> for {$700.00} I been fighting with Navy Federal credit Union on this matter since last year this is disgusting what they have done too me as a consumer that has trusted this bank with all my money. Then they closed my checking account and kept my savings account opened and I had no access to my checking account at all unbelievable I need help asap or I'm going to sue Navy Federal credit Union
Consumer complaint received 2022-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NY)

I want to report debts that have already been eliminated from my collection credit score beforehand. I will proceed to sue. this is not ending now this previous debt that was removed from my profile XXXX again leaves another company in XXXX where my name is affected. because he wants debts that I do not maintain. action take. with these accompaniments that worsen the information Account info XXXX Account name RECEIVABLES PERFORMANCE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$820.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$820.00} Balance updated XX/XX/2022 Original balance {$820.00} 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 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC. (TX)

My purse was stolen and I had this beauty a couple of transactions because they was on authorized transaction this morning. I call because I had another unauthorized transaction. Someone decided to get a hotel in my name for {$430.00} in XXXX Texas which I have not been And I called my bank and let my bank know and I guess because I disputed before some things they decided to flag my account and they decided to close my account they did not give me an explanation why I asked them if they continue to cancel my card would affect me. They told me they not sure but every time I called with an issue they canceled my card even when I told them that it shouldnt be canceled but they owe me {$430.00}. My card has been used to purchase a hotel in XXXX that I have never went to. I have ever been to XXXX and for that being said they called me and told me that my card has been my account. Im sorry has been closed in flags and I dont feel like thats right I do feel like they should have just gave me back my {$430.00} of my hard-working money that someone stole from me for some reason someone keep getting into my accounts. I told him about that I explained that to them they just decide to close my account when the next thing happen instead of them trying to resolve the issue.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (FL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated by how is that possible if the Bridge Crest Company has not provided the necessary documents under the law of the State of Florida UCC code 679.01. and state RISA and MVSA statutes deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a can not without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation certified mail tracking #
Consumer complaint received 2023-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

Repeated phone calls from numerous numbers, even spoofing their number with a local area code number so I would answer. Left threatening messages ( I could not download to my XXXX  to save ). Started to call my family members and children and told them if i dont pay the debt, ill be sent to jail. I asked for debt validation and they said i need to setup a payment account first.
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Please Note Im filing this complaint Only to attached some documents that I have just found This should be directed to XXXX in the Executive Offices of Wells Fargo. 
This is an addition to previously filed complaints. This information is in reference to Previous Complaints filed. 
XXXX XXXX XXXX Unbelievable, but I have found some documents that should help explain, and show exactly the process, and all I went through with Wells Fargo. It will show everything I had done and went through, and the people that were involved in this nightmare which ended up leaving Me and my family homeless, Which destroyed my marriage of 25 years, Destroyed my kids lives, ripped us all apart, and It should have never happened. 

So you will find 6 attachments, I would start by reading the document 1 I filled out an application for the Loan Re-modification - XXXX. 

2nd Letter to XXXX XXXX attorney 3rd Response to XXXX XX/XX/2015 The rest are just detailed information, Like * Mortgage Payments * Also 1 attachment XXXX, This is a copy of my Bank Statement during that time frame this showing I had plenty of money, and Should have Never lost my house, Nor my Life. Never should have had to go through all that Wells Fargo put me through and did to steal my home. 


* Last attachment.. Documented Case_Identical to the process I had to go through PLEASE MAKE SURE YOU READ THIS, EVERY WORD, EVERY PROCESS, EVERYTHING STATED IN THIS AND IM TELLING YOU ITS A MIRROR IMAGE OF WHAT I WENT THROUGH. 

Documented Court Case_Identical to the process I had to go through, I mean Identical and this guy was awarded his house back, Which I would love to have my house, but that is going to be impossible, I dont know, Maybe not. He was also awarded {$450000.00} for punitive damages.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at XXXX. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.