davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Auto Finance kept calling me day after day including on weekends no matter that XXXX weeks before this complaint I already contact them and inform them to stop any calls to my cell phone and if they want they can send letter true mail. 

At that moment the agent told me she would put me in do not call list but after that XXXX other agents call me again from the same number ( XXXX ) On the XX/XX/2024 at XXXX pm I got another call from Capital one and I inform the agent clearly that he was violating my right and the agreement. 

I record the phone conversation so XXXX can proof for a Lawsuit against this company.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-30
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

While shopping at Best Buy, I had applied to re-open my lapsed line of credit with them. I entered my social security number, date of birth, and name, and provided my Massachusetts state-issued driver 's license. The clerk at the store then proceeded to apply for the card in my father 's name with his email address attached because I used the family 's store rewards account to complete the purchase. The due date and payment cycle information were not disclosed to me at the time of the sale. 

Following this, I received a card in the wrong name, but never received an accompanying statement. Because the card was issued incorrectly with an incorrect name and email address was attached to the account, I wasn't able to establish online access to view my information. I never received any statements for the account either. I called the cardholder services number to make a payment and request that my information be changed. Per their instructions, I sent them a notarized letter with my requested corrections and a copy of my driver 's license. After receiving a card with the correct name and confirming that the email address on the account was finally corrected, I was still unable to set up online access with the same error code of being " unable to set it up at this time, '' with a note that they will lock my card for online setup after too many incorrect attempts. I had already confirmed with a representative when I called that my card was not locked for sign up and made a payment over the phone. The due date was, once again, not mentioned. 

I only received a statement for this account with my due date after a {$30.00} late charge for non-payment had already been assessed. This account has been nothing but a hassle to attempt to maintain. Their services are subpar and their support is virtually nonexistent.
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NE)

This company is attempting to collect a debt from my XXXX XXXX XXXXXXXX XXXX. The company was negligent in attempting to obtain my Nebraska XXXX information in a timely manner. My child had active XXXX at the time of visit. The admissions team should have searched his name in their database and found this information.
Consumer complaint received 2024-07-30
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMO Bank, N.A. (IL)

According to 15 US code 1666b timing of payments, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to insure each periodic statement including the information required by section1637 ( b ) on this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-07-10
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: Early Warning Services, LLC (NJ)

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I would like to decline further correspondence from your company for the security of my personal identity. Since I write many files, I do not remember what kind of dispute ( s ) I have filed. As far as I remember, I mentioned some bank accounts were closed. Since I do not observe any changes in the past reports, I do not need further correspondence. If only, you can mention any changes in your company documents regarding my personal financial information, please let me know. However, as myself know that most of financial matters has not significant change ( s ), I do not think my case ( s ) need ( s ) any special attention of you. Since most of the financial companies do not mention your company to contact for some credit report, I do not want to ask any report from your company. From the beginning, without acknowledgement, your company sent me questionable documents to me. Or maybe, I just believe they are questionable, and they might be official and legal style in the United States. Anyway, I do not have intention to provide my personal information including banking. 
Sincerely,
Consumer complaint received 2023-09-16
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have XXXX XXXX and XXXX XXXX on all ( XXXX ) Credit Bureaus. I am currently experiencing tremendous identity theft issues due to a XXXX XXXX by XXXX XXXX. Transunion has allowed this identity thief to remove my XXXX XXXX x XXXX. The thief does this in order to try and get more fraudulent credit in my name, and this creates more work for me. An identity thief is called an identity thief because he or she steals one 's identity, and thus has someone's personal information. When this takes place, Trasnsunion should have Security Measures in place to prevent this. An identity thief should not be able to call Transunion and unlock my XXXX XXXX and XXXX XXXX so easily. And by doing this is able to pursue more fraudulent credit.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

I have recached out to LVNV FUNDING LLC over 5 times asking that the XXXX accounts they have in collections be removed. LVNZ FUNDING LLC is in violation of 15-usc-1692 and 15-us-1681 I ask that both these accounts be removed as these accounts have also been charged of called the original creditor asking for a 1099c and they have not sent out yet. these accounts have been charged off by the original creditor making them taxable income by the IRS and taxable income can not be on a credit report.
Consumer complaint received 2023-09-16
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. (NY)

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. 

XXXX XXXX XXXX Card : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

Genesis keeps harassing me and my family regarding a debt from XXXX XXXX, despite my having moved out over XXXX  years ago. During the onset of COVID-19, the original management company sold XXXX to XXXX, XXXX with my departure from the apartment in XX/XX/XXXX. I notified the management 60 days in advance via email and returned the keys to the leasing office on my chosen move-out date. Additionally, I paid XX/XX/XXXX 's rent in full and hired a cleaning service to ensure the apartment was left in good condition. Surprisingly, my entire security deposit was not refunded or applied towards move-out fees ; it simply vanished. Frustrated, I gave up trying to resolve it. 

Now, XXXX years later, Genesis claims I owe money for the apartment and has sent me to debt collection. This is fraudulent, and I refuse to pay for something I do not owe.
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (GA)

Equifax is not report accurate information. I have asked for my consumer report to be updated accurately. 

Name : XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (OH)

On XX/XX/year> Maxlend withdrew what they said was my full account balance of {$2400.00} from my checking account due to XXXX failed payments without notifying me. In addition they say I still owe over {$700.00} in past due payments. How can I still have a past due of {$700.00} if they withdrew my entire account balance? I want the {$2400.00} returned to my account because I did not authorize the withdrawal
Consumer complaint received 2023-08-02
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. (PA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a dispute on XX/XX/2023 and didn't receive a response until XX/XX/2023. Which is illegal and violate the credit reporting laws and acts establish. You will remove all mentioned accounts bleow or legal action will be taken to the furthest extent of the law. 15 U.S.C. 1681 states that you must reply and respond within 30 days of received dispute ( XXXX ) and you have clearly blatantly ignored and violated my requests. Ive attached the letters i sent to your bureau!! This is my final response to you which is giving you a chance to cure my inaccurate credit reports. This is what i wrote to you on XX/XX/2023 I Am A natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX xxxxxx Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (MO)

XX/XX/XXXXMay 3 - Submitted Dispute due to XXXX order never arriving and XXXX refusing to help. They basically told me that my only option was to make a dispute which I did.

XXXX XXXX - Call Credit Karma XXXX asking about status of dispute and wanting to speak to a supervisor. They said I had to wait 90 days or for them to do whatever they want. Never got a call back from them.

XXXX XXXX - Few days later the claim was denied because there was no error. Literally the reason why it was denied was because there was no error it says that on the document.

XXXX XXXX  - Called again for help they said they can't help. No one else to talk to dispute department is email only I have to wait another XXXX hours for a so-called supervisor to call me that I will not receive a call from again.
Consumer complaint received 2023-09-16
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. (AL)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

The servicing of my mortgage has been transferred to Fay Servicing, according to the previous servicer, XXXX. Fay Servicing should have sent me a letter to facilitate the transfer. They did not. I attempted several times to register on their website, but the website rejected my information. I attempted to call several times, but without an account number that they recognize, they will not put a human on the phone. If they don't recognize my account number, I have no way to pay my mortgage, which is due on XX/XX/19. I have no one else to call, since I don't even know who owns the mortgage anyway. When the payment becomes late, I will be penalized and my credit will be affected. Can you get them to process all the accounts which they now service, but are not even in their database?. By not doing the job they are presumably being paid for they are in effect defrauding both parties to the mortgage.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I asked them for a verification and validation of the debt, I asked them if they had a license to collect in Florida, I asked them to stop calling, they keep calling, they call even late at night ( XXXX ) and they tried to contact my mother who did not It has nothing to do with it. They have not respected any of this and they responded to me with a paper that says that they bought the debt and they do not explain or verify it, much less respond with what was requested in the letter I sent them.