davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023, I had a Bj 's credit card under XXXX XXXX with a balance of approximately {$3000.00}. Around XXXX, I s/w XXXX ( Bj 's # XXXX Ext # XXXX ) who confirmed that my account went into XXXX collections, and he transferred my call to collections. I spoke with XXXX XXXX ( XXXX Collections XXXX # XXXX ) He offered me a settlement proposal of {$2400.00} to resolve the debt. We spoke on their recorded line, and he confirmed multiple times that once I made the payment for that amount that The Bjs account would then have a XXXX  Balance. He also stated I would receive a XXXX  Balance letter in the mail within 12-14 days. He stated that the new Bank ( XXXX XXXX  ) will see a XXXX Balance upon the transition. The cut-off time frame for the bank transition was around XXXX and if a payment was not made with him before that time, he would not be able to resolve my debt. I made the payment of {$2400.00} with my checking account at around XXXX. My confirmation # for my payment is XXXX. 

On or around XX/XX/2023, I contacted XXXXXXXX XXXX again to follow up that I have not received my XXXX Balance letter. I spoke to an agent named XXXX XXXX id # XXXX ) and he transferred me to XXXX ( # XXXX id # XXXX ) to open up a case # XXXX to follow up why I haven't received the letter. 

On XX/XX/2023 @ approximately XXXX, I was contacted by XXXX from XXXX XXXX  collections ( # XXXX id # XXXX ). She stated that I have a Balance due to Bj 's in the amount of {$660.00}. She stated I have 2 choices. To have the amount waived off to XXXX Balance but my Bj 's account would be closed or either Pay the Balance which she can reduce the amount with a small credit ( less than {$100.00} ) and then I would be able to keep my Bj 's account active. I explained to her that I already made a settlement agreement, and I will be disputing the Balance. She advised that If I could provide a XXXX Balance letter it would resolve the matter. 

I have attempted to locate a letter mailed to me from XXXX but I am unable to locate any mail as I filed a claim previously stating that I haven't gotten a letter. I asked to have the call recordings released to verify everything that I am stating in regard to the agreement. I recently called XXXX and spoke with a supervisor named XXXX ( # XXXX id # XXXX ) who leadership advised her to tell me to contact XXXX XXXX in regard to this matter. I keep getting the run around and it's very frustrating.
Consumer complaint received 2023-03-15
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under the open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

YES, I HAVE FILED DISPUTE OF FRAUD ACCOUNT XXXX XXXX  WHICH IS A FRAUDULENT ACCOUNT AND HAVE SUBMITTED ALL REQUIRED DOCUMENTS AND A PROOF OF COPY OF THE LETTER OF RESPONSE FROM XXXX XXXX CREDIT CARD AND EXPERIAN STILL REFUSES TO DO A PROPER INVESTIGATION WITH REMOVING ITEM OF MY CREDIT REPORT I WILL CONTINUE TO FIGHT FOR MY RIGHTS AND THIS IS A FRADULENT ACCOUNT REPORTING ON MY CREDIT FILE XXXX XXXX CREDIT CARD IS NOT MINES ITS A FRADULENT ACCOUNT.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-04-06
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. (ME)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-04-14
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-04-06
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. (WA)

Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened XX/XX/XXXX Status : Closed. {$50.00} past due as of XX/XX/XXXX. XXXX updated : XX/XX/XXXX Balance : {$470.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, Equifax, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2023-04-06
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX ( Finance ), Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX ( Bank ) Account name : # XXXX XXXX XXXX ( Bank ), 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
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: SYNCHRONY FINANCIAL (NC)

XX/XX/2021 there was an unrecognized charge on PayPal synchrony credit. Immediately I called as this was fraud. I also called the company. I also reported identity theft to the police at a report was made case number given over the past 18 months PayPal credit has been telling me this has been resolved that Ill get a bill the next month where its not resolved, and Ive been charged interest. I get calls constantly about this and then they tell me that it has been resolved that I get another bill for 18 months. This is been going on and it caused me severe stress as well as hours and hours on the phone. PayPal credit are harassing me. Severely where Ive had to seek help please make them stop. It is clear I did not make the charge its resolved, and then the same thing comes up again and again.

When I was billed for the interest that accrued on this fraudulent charge, I made sure that it wasnt just showing this because it was under investigation. Every PayPal credit agent states that this has been resolved, Synchrony, some agents state that yes, it was resolve some say no. They are driving me crazy to tears. Ive had to seek counseling over this. And when youre asking about someone spouse there is not an option there to say that you are now widowed. But I do know this that no company should be allowed to do this to a person.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I received an email from BJ 's Comenity about an amount due, about {$81.00}. But I never used the credit card. When I called the company, Comenity, the IVR said I didn't have a balance. But when I asked to speak to a CSR, I was told I had an {$8000.00} balance.

When I asked to speak to the fraud unit, " Asset Protection, '' I briefly spoke to someone, but the call was disconnected. I called back several times, on different days, but I was on hold for nearly an hour and no one ever answered. 
I reached out to XXXX, and the FTC. 

To date, I still keep getting billing notices from Comenity, now XXXX XXXX has taken over Comenity 's accounts. I acted promply and have been trying to let the card company know this is an identity theft matter. 
I had received an email around that same time, asking for some kind of payments. I believe I contacted the FTC and sent a copy of the email.
Consumer complaint received 2023-04-06
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

I was victim of Declared Natural Disaster : Hurricanes Irma, Maria and XXXX XXXX Earthquakes and COVID19 Pandemic I was not elegible for some assistance and that reason I was unable to still making payment. I have medical condition and request the Federal Forgiveness for Declared Natural Disaster Victims or any medical forgiveness. I request closed and removed from my credit report the derogatory marks. Multiple times I dispute at XXXX 1 was closed and removed but the other 2 still open with new collector. XXXX and XXXX still 3 derogatory remarks. Please help me to recover my credit as per elegible FRCA requirements
Consumer complaint received 2023-03-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MS)

I was a member of the Wells Fargo bank in XXXX ms about 8 months ago and todays date is XX/XX/XXXX at XXXX I think it was around this time when I first got the memo from them Ill enclose my case number later on in this reference anyway I had both a checking and a savings account at Wells Fargo in XXXX ms its located on the XXXXXXXX XXXX XXXX XXXX XXXX  Ive never received any funds in either accounts that wasnt from social security and this money was for my children I have two disabled children a legal from the XXXX had been taken out on me however they was able to take my kids money out of one of these accounts I had switched the funds from ny checking account yo my savings account that morning bc they was hitting me with all those overdraft fees so thru say the reason the XXXX was able to garnish those funds was bc they werent protected funds once I moved them from my checking to my savings account and the balance hadn't changed one social security sent them thus is my banking establishment that knew I was getting funds in those accounts for my children from social security no other money nothing for myself I had an order on me from XXXX not my children so I contacted them then I contacted the department of revenue then I filed a claim through XXXX XXXX and then they set me up with ghe XXXX  by way of the XXXX I didnt understand much going forward however they said the case had been closed and I should file in small claims court and Wells Fargo has closed my account I just found. that out XX/XX/XXXX Im giving you the case number Case Number : XXXX now if you need anything else after that please contact me via email thank you in advance XXXX XXXX
Consumer complaint received 2023-04-06
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. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (VA)

Selenes abusive behavior has continued, but their methods of abusing their customers continue to metastasize. In our latest monthly mortgage statement ( XX/XX/23 ), Selene included {$950.00} in fees and charges. Here is the breakdown of charges ( see also attached document ) : XXXX XXXXXXXX XXXX  : {$31.00} XXXX costs : {$310.00} Publication : {$71.00} Postage Charges : {$590.00} XXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX  : {$31.00} XXXXXXXX XXXX XXXX XXXX {$20.00} There is no further explanation for the fees/charges ( what are XXXX costs? ). I see no reasoning for these charges ; many of them seem excessive or ridiculous ( {$590.00} in postage charges! ). These charges are in addition to what Selene skimmed from our reinstatement payment in XXXX ( we have not received an explanation for what charges/fees were collected beyond the reinstatement quote in spite of submitting a qualified written request ). 

I would like the immediate removal of these undue charges on my account. 

I am completely unsurprised and somewhat amused at the continued machinations that Selene is pursuing to collect monies from their clients.

I doubt that Selenes attempts to collect extravagant fees are legal ; but they are definitely worth criminal scrutiny. I would like to again recommend that the CFPB refer Selene to the FBI for criminal investigation. Selene has continued to abuse mortgage laws, and their license to practice as a mortgage servicer should be revoked immediately and irrevocably.
Consumer complaint received 2024-10-28
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. (MI)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.