davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of last year, while I was working in California, my rental car was broken into and my backpack was stolen ; it contained my passport, checkbook, and other personal items. ( Police Report available ) I immediately contacted my bank to close this compromised checking account, but they refused because all postings had not cleared. They said I had to wait until they cleared, which I did and finally, the compromised account was closed on XX/XX/2023 and opened a new checking account. 

[ Capital One has a design flaw in its online banking. They list all your accounts, including the closed ones, all together, making It look like all the listed bank accounts are working and active, which leads to constant confusion for the account holder. 

On XX/XX/XXXX, without my knowledge or consent, Capital One reopened the account due to a posting. I was told I had to pay it for the account to close. I paid the charge. On XX/XX/XXXX, another posting hit the account for {$14.00}, leaving the account with a negative balance of {$14.00}. This time, I refused to pay the negative charge ; it was insulting to be bullied into paying a charge that should have been rejected or applied to my new active account. On XX/XX/2023, XXXX XXXX sent me a letter informing me that they were exercising their right to debit my savings account to cover this outstanding charge of {$14.00}. This time, they left the once-closed account open. Then, a refund was issued to me and posted to that checking account, which now showed a working, accessible balance. Once again, I asked that the account be closed and withdrew all the money. I was told the account was closed. This caused me much confusion ; I inadvertently sent payments against the wrong account, thinking I was using the one good checking account ; in my mind, I thought, " Surely, a closed account will not allow payments to be posted against it. '' I thought it was my error in not making deposits in time to cover these payments. I even had an auto-pay for CAPITAL ONE 's CREDIT CARD from this closed account. To this day, the wrong account carries a balance of XXXX cents. 

Capital Ones refusal to close my account when I had first requested it left me financially vulnerable, it also affected my credit and cost me hundreds of dollars in late fees and returned items fees.
Consumer complaint received 2018-05-17
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: United Collection Bureau, Inc. (FL)

I would like to request for XXXX to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX   of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX  XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX Florida, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (GA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a check at Bank of America on the XXXX of XXXX for XXXX at the XXXX, Texas location. I received a receipt that states XXXX available on XX/XX/23 at XXXX & XXXX available on XX/XX/23 at XXXX. The representative at the bank also told me this information. Well, it's the holidays and none of my money is available they have a hold on it. I have spoke with several customer service representatives and supervisors regarding this matter where XXXX reps stated something different from what the supervisor advised me. So, it's like who do you believe or trust when you are continuously getting conflicting information. I was told XXXX available on XX/XX/23 that's what I'm expecting. Nobody seems to know anything or can tell me the correct information, but misinforming customers is not okay.
Consumer complaint received 2023-11-21
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. (GA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit score went down XXXX points on XX/XX/XXXX for no reason. I need someone to investigate this as it is unfair and unjust. Only thing I can see is the high balance from XXXX XXXX  states a balance of {$5000.00} from XXXX to XXXX and that is not the case as I only owe {$230.00} and made payments monthly.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

I have had a line of credit dating back to XXXX and I was born on XX/XX/XXXX Ive tried boosting my credit score and even called you guys twice a year to check on the Id theft file I created and all I got back was its under investigation each time.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (DC)

I am writing today to dispute the outstanding balance on my XXXX XXXX account as well as explain why I do not feel I am required to continue making the payments. 

I went in for my appointment with XXXX on XXXX At the time of this appointment I was unaware of the companies bankruptcy issue - and was not informed whatsoever that there may be an issue. I was told that I would be provided not only aligners, but access to a local Dentist who could oversee any problems/issues I may have, as well as the opportunity to buy a retainer at the end of treatment - as well as a lifetime guarantee for the procedure. 

On my XXXX aligner, which I started roughly the middle of XXXX, I started experiencing extreme pain and sensitivity - more than usual. I called the customer service number, as well as the Dr that I was given- and was not able to make contact with anyone. I continued with the XXXX aligner, but had to stop wearing this after a couple of days because it just did not fit right on my teeth At this point, I called the company and again could not reach anyone- I called the Dr assigned, and was told that they no longer supported the XXXX XXXX patience- and I would need to work it out with the company directly. It was then I learned that XXXX XXXX had claimed Bankruptcy Since then I have not been able to use the aligners, and there is no access to anyone via the website or telephone number. 

I paid an initial deposit of {$250.00}, and my insurance was billed for {$1200.00}. I recognize that there was a loan taken out for the balance of the agreement- however it was for a service that was to be provided - and this service was not provided. As I was only XXXX aligners into my XXXX, this was considered breach of contract by my attorney. 

Because I did not receive the service, I am disputing any outstanding charge I owe. There were XXXX aligners in my shipment- however I did not even get through XXXX of these before experiencing an issue that can not be resolved. 

Between my downpayment, the XXXX monthly payment and my insurance payment, I have paid over 70 % of the overall agreement. I believe this is MORE than fair seeing that I did not even get 1/4 of the service from this provider.
Consumer complaint received 2023-09-07
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. (IN)

this is proof that these accounts was deleted but they put these accounts back on my consumer report .I filed my identity theft report letting the credit bureaus know I was a victim of identity.

15 u.s. code 1681c-2 : which states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft.

15 u.s. code 1681b permissible purpose : in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts immediately
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

Mohela erroneously flagged my accounts to the consumer credit reporting companies. XXXX XXXX notified me a " skip can not locate '' alert appeared on my credit report and XXXX notified me, " MOHELA/XXXX XXXX XXXX  has flagged your account as Not Paying Off Your Balance and Can not be Located on XX/XX/2024. '' I am currently on an income driven repayment plan and my monthly payments are {$0.00} USD. I called Mohela to discuss why I was flagged as a " skip '' account as I have never missed a payment and recently received mail correspondence from them dated on XX/XX/2024 with the total amount due {$0.00} ( please see attached ). The representative informed me the address they had on file was not correct- the address she provided I told her was in fact correct and has never changed. I additionally told her I have been receiving their mail correspondences. She then opted me into paperless option. The measures Mohela took for an account that was not delinquent were very extreme. My credit score plummeted into the XXXX and my XXXX score dropped consequently. I filed a complaint through the XXXX and Mohela responded via their portal in my messages with the attached " personal letter ''. They agreed my payments are {$0.00} and still will not correct the errors they made. My account has never been a delinquent account and my address has never changed. I am an extremely responsible consumer and always pay my bills not only on time, but in advance. My credit score was almost XXXX prior to this incident.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (NY)

On XXXX XXXX Aspire XXXX withdrew {$720.00} from my bank account at XXXX Bank without my authorization. I contacted the company with a request that the money be returned to me. At the time they said they would process the refund and that it would take up to 30 days. Today ( XX/XX/year> ) I called to determine the status of my refund and was told it was denied. They told me to call my bank, which I did. I have filed a dispute with my bank.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Married couple are co-borrowers on mortgage. As a sole proprietor for a business, one borrower had to file for business bankruptcy. Our home loan was NOT part of the bankruptcy. All mortgage payments have been made monthly. As of XX/XX/2023, our loan statements were labeled " bankruptcy loan statement. '' We were charged {$900.00} from Flagstar for their attorney 's fees, even though this loan was not included in the business bankruptcy. The bankruptcy was completed and filed on XX/XX/2023. Flagstar was notified by our attorney that the plan was approved. We received a letter date XX/XX/2023, that " we are committed to working with you to find the best solution for your current needs. '' On XX/XX/2023 XXXX XXXXXXXX we called Flagstar and was told our loan was in bankruptcy and do to this, we no longer have online access and all payments need to be made by phone. When asked when we were notified of this, XXXX XXXX who claimed she was the supervisor, stated the " system '' was down and we were sent a letter on XX/XX/2023, also claiming we should have known this already. To this date, we have not received this letter. When told we have not received any such notification XXXX informed XXXX that " they don't control the post office. '' There has been no notification on the loan portal, where we make our payments, Flagstar also has both of our email address ' and cell phone numbers. At no time was any attempt made by Flagstar to notify us using any other means they had at their disposal.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (KY)

Making a payment has always been an issue because they do not apply the payment in timely manner and you can not make additional payments easily. For the last XXXX months the second payments that I made were not applied on the day I made them. Made by phone because the online system would not allow me to make payments for the due date. After the first month, I was refunded the late payment. The second month I cancelled the payment, as it was several days after the due date but the payment I made on the due date was not posted.
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pinnacle Credit Services, LLC (WI)

Pinnacle Credit Services LLC Company : XXXX Amount : {$3000.00} Acct # : XXXX : ref # XXXX I was informed by a financial advisor there were a few thing on my credit report that should have been closed XXXX included. I called the number I was given by XXXX this morning XX/XX/18 and was informed that Pinnacle was sold to another credit service called XXXX XXXX XXXX ( XXXX ). I settled within a year of my Cancellation of service for {$800.00}. 
I am disputing the amount and would like this removed from my credit report as it is hindering all attempts at improving my credit score. 


Thank you in advance. 
XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (NY)

XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts XXXX XXXX, and here is my account number : XXXX XXXX XXXX, 2024, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Consumer complaint received 2023-11-21
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am requesting the deletion of account COLUMBIA DEBT RECOVERY DLOGSEXXXXXXXXXXXXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. The original creditor did not verify the account, nor the balance listed on my credit report. OLUMBIA DEBT RECOVERY is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account OLUMBIA DEBT RECOVERY from my credit report immediately.