davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Account - portfolio recovery
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I paid my large first time Capital One credit card balance one day ahead of my AutoPay date. They had given me a {$15000.00} Credit Limit which I was several hundred dollars shy of. Nevertheless they had begun declining my purchases in advance. The company transferred approximately {$15000.00} on that date. I have never had such a large balance and don't expect to repeat this ever again. The next day the AutoPay function transferred another {$10000.00} and now I have to wait while they hold onto the money for a few weeks. The money sits on my account as a {$10000.00} Credit which I will never use. I asked why they couldn't write me a refund check as fast as they took it. They said a conference call with my bank to confirm the transfer would make that happen. The representative put me on hold. The next thing I knew I was talking to my bank without them. I was told the money was gone. I called Capital One again. They tried for a conference call but the wait was too long. They also said I was obligated to find the Cancel AutoPay button for one-time use on their website when making a payment before the due date. This while the card was effectively useless forcing me to make an advance payment for no reason. Except one - they temporarily have a large amount of my money.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (IL)

My son asked if he could have his employer send me a payment for contracted work done in XXXX  -- since he did not yet have a bank account -- and I would send the money via XXXX instead. I did this effective XX/XX/year> ( XXXX transactions of {$20.00} and {$680.00} ). Zelle/XXXX  put fraud alerts on my XXXX XXXX account and blocked my access to using Zelle and later, stopped me from using inter-bank transfers ( have a standing monthly transfer from XXXXXXXX XXXX  that is impacted ) permanently, I am told. unaware. Curiously, no reversal of these transactions ever occurred/or had to be repaid by me if the transactions were indeed fraudulent, as XXXX/Zelle/XXXX  claimed XXXX 

In XXXX, when I called my XXXX XXXX bank to inquire as to why Zelle was down, they asked that I call Zelle who told me to call my back ( both entities passing the buck back and forth ). They sent a vague letter to me telling me that I would either need to change my phone number or email address in order to use the services again. XXXX, XX/XX/year> when I noticed my monthly transfer had not occurred, XXXX advised that Zelle/XXXX  is the same service and would no longer be able to do inter-bank transfers permanently either. HUGE INCONVENIENCE to my banking transactions as switching banks would be futile as well since XXXX  is used by most banks! Not given a chance to dispute this one purportedly " fraudulent transaction on XXXX '' even though was never questioned about it. Bottom line -- I want a XXXX  reconsideration of this ban and restoral of my inter-bank transaction ability that was, to me, arbitrarily decided by XXXXZelle XXXX As of right now, I have no recourse to reverse this decision.
Consumer complaint received 2024-08-16
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: CITIBANK, N.A. (OH)

My card was used for several fraudulent transactions and closed by XX/XX/XXXX ( see attached fraud notification ). On XX/XX/XXXX a new charge was made on the card despite it being closed. An additional charge was made on XXXX despite it being closed. Called customer service to report and they did not resolve or acknowledge that they had not prevented the card that was closed from being used.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.
Consumer complaint received 2024-08-16
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: ALLY FINANCIAL INC. (NY)

There were multiple attempts to try hard inquiries on the same day and same time. 

Ally Financial - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I don't have accounts with any of these or ever was notified an attempt to work with these organizations at any point. I wouldn't ever allow these many hard inquiries in such a small period. 

Thank You
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I was in a XXXX XXXX relationship I was forced to get the vehicle he actually left with the vehicle in XXXX  the company I assume repossessed it because it showed up on my credit he also took my drivers license and debit cards he stole my identity, I asked for the balance to be deleted because I never had the vehicle and the vehicle was repossessed and sold at a auction this I ask that the account be removed from my credit and I already filed with the ftc and police
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Self Financial Inc. (IN)

You have account XXXX for Self listed on my report as a charge off but also a balance reporting. If something was written off, a 1099-C must be filed ( which is never received a copy ) and the balance should show XXXX. A charge off is also considered income and income can not be reported on a credit report. 

I'm also receiving emails as if the account is still open as a regular credit card and not charged off. Im receiving many emails and many different types. You also continously reported late on my trade line AFTER the 90 day no pay period that the FCRA requires. Any account that is being reported in accurately MUST be removed. This is your official 30 day notice to remove the trade line from my credit or I will sue for statutory damages.
Consumer complaint received 2022-12-03
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. (GA)

XXXX agreed to remove this account from all three credit bureaus after personal Check cleared the bank for payment. There is a written statement on the check which states if you cash the check you agree to zero this account out and remove from all three credit bureaus. XXXX deposited and cash that check so they agreed to the terms of written statement on the check. If XXXX account is not removed I will take them to court for not adhering to the statement on back of the check. I made copies and Im sure they can verify that as well. XXXX had 10 days to have this account removed. I spoke with the court house I can actually sue for the check amount and for punitive damages and I will if this account is not removed immediately.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (GA)

Hello In review of my credit reports, there is an inaccurate account on my credit report that needs to be addressed as it is fraudulent, and I am not able to obtain credit. I am disputing the completeness and accuracy of the LVNV Funding LLC below. Please REINVESTIGATE for the account below and check every piece of information pertaining to this account to make sure everything is accurate and complete or else it needs to be Removed or Deleted. 

In accordance with the Fair Credit Reporting act. LVNV Funding has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681S-2 & 1692g. 

LVNV Funding account is fraudulent and inaccurate. A collection can not be reporting as LATE or OPEN on my credit report. LVNV Funding is reporting a past due amount on a collection account? Collections are not supposed to be reporting a past due because they are past due in the first place. 
I do not have a wet contract with this company, and I have NEVER obtained ANY business contract with the below company. Please REMOVE or Delete from all XXXX 's. 

LVNV FUNDING LLC Account Number : XXXX You as a consumer reporting agency are held to a high standard with this statute as you have a big responsibility to be fair to the consumer with fair and accurate credit reports. Anything different can jeopardize the integrity of my credit reports and has caused severe harm and damage to myself as I am not able to obtain credit. 

Please respond back with your investigation results in 30 days. I look forward to hearing from you. 

Thank you
Consumer complaint received 2024-08-12
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: Exeter Finance, LLC. (IL)

Company has been reporting late payments and missed payments on my credit since XXXX, It is now XXXX, I explained that this has put me in a hardship far as finances and living situations but they stated they dont care. And will. 
Continue to do so.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am writing regarding your recent communication regarding the collection of an alleged debt associated with Portfolio Recovery Associates , LLC. Upon receiving your correspondence, I appreciate your efforts to communicate with me regarding this matter. 

However, I must express my concern regarding the lack of documentation provided thus far, specifically a contract or agreement between your agency and your client pertaining to the debt in question. 

As a consumer, I am entitled to certain protections under the Fair Debt Collection Practices Act ( FDCPA ), including the right to request validation of the debt and to receive certain information about the debt. One such requirement is the provision of a written agreement between the original creditor and your agency, outlining the terms and conditions of the alleged debt. 

To ensure the validity and accuracy of the debt, I kindly request that you provide me with a copy of the contract or agreement between your agency and your client pertaining to the debt in question. This document is essential for me to fully understand the nature of the debt and to assess its validity. 

Furthermore, I would like to request that all collection activities regarding this account cease until such time that the requested documentation is provided. Pursuant to the FDCPA, I reserve my rights under the law to dispute the debt and request validation of the same. 

Please provide the requested documentation within 30 days from the date of this letter. Failure to do so may result in further action to protect my rights under the law.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Ive requested copies of any court orders that may have been filed against my company XXXX XXXX XXXX XXXX. 
Im also requesting information on the withdrawal of {$940000.00} from my checking account on XXXX XXXX XXXX Also the savings account withdrawal of {$65000.00} on XXXX XXXX XXXX In addition I would like to know about the CD account withdrawal of {$150000.00}, I was issued a check for {$5200.00} on XXXX  A letter was sent out saying all accounts would be closed by XXXX XXXX XXXX  an any remaining funds would be sent to the address on file within 10 business days. I have not received any funds yet except the {$5200.00} which is very unusual. Please close all my accounts.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance Owed : {$22000.00}.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc. (CA)

This is second formal complaint in attempts to correct this issue on my credit report. This collection found within my credit report are not related to any transaction that I made. I requested your company to validate this debt, in which I have the right to do so under the FDCPA. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. 

Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 

I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report.
Consumer complaint received 2022-12-02
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. (FL)

Upon reviewing my credit file, incorrect items were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX; XXXX XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$62.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX  - XXXX ) XXXX Balance : {$420.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; CERTIFIED CREDIT REPOR XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the following statement is true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to file this dispute. I understand that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001 and as perjury under 18 U.S.C. 1621.

An item on my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. The debt collector, IQ Data International, has placed an unknown account on my credit report without my knowledge or consent. This has caused significant harm, including damage to my credit score and defamation of my character.

The continued reporting of this fraudulent debt by IQ Data International constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter directly with the collector, they have failed to provide sufficient validation of the debt and continue to report this erroneous information to the credit bureaus. This has led to emotional distress, financial hardship, and reputational damage.
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation (NJ)

I recently changed my checking account information thats used for Autopay through Concord Servicing. The amount of the Autopay due each month is {$120.00}. A payment was successfully deducted from my account in XXXX, 2024 ( and all previous months that I have had this account ). I contacted the servicer to update my bank account info with my new checking account info. I asked that that old bank account info be removed. I also changed the amount of the autopay that was to be applied. I have a confirmation letter dated XX/XX/XXXX that a XXXX ACH payment was applied on XX/XX/XXXX. 
I also authorized my future autopay to be {$140.00}, effective XX/XX/XXXX. I received a confirmation letter from Concord confirming this was set up. The letter states that I authorized {$140.00} payment to be applied beginning on XX/XX/XXXX for each month on the payment due date ( XXXX each month ) for the remaining XXXX payments due. 
A letter dated XX/XX/XXXX was sent advising that my account was past due. I called Concord on XX/XX/XXXX to ask why was the XX/XX/XXXX payment not deducted, why was a late fee being applied, etc. I was advised that the letters they sent confirming the changes made didnt apply because of their system issue. My account is being charged a {$20.00} return check fee for their attempt to deduct a payment from an account that I no longer have nor were they authorized to deduct from that account, and their confirmation letter confirms that they werent supposed to deduct from that account. I am also being charged a late fee for a payment that I authorized them to take but systemically they failed to draft.. I requested both fees be removed and my account removed Collections and was advised I needed to send a letter. The representative was unable to assist. Their systems do not do what they say they will do. Their confirmation letter do not match their actions. 
I authorized a XXXX ACH payment for {$250.00} on XX/XX/XXXX. I requested my account be reinstated on autopay but was advised that until I pay the fees I am unable to. I requested that the fees be removed and advised that they can not. I am requesting the fees be removed and my account reinstated on Autopay for the remaining duration of the loan.