davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, XXXX my payment that was scheduled in the amount of {$39.00} posted and was later returned due to insufficient funds. The lack of funds was due to the error by The Clearing House, which is the private operator of the Automated Clearing House payments system that works with the National Federal Reserve. 

The Federal Reserve worked very slowly with banks to rectify the situation and pay those who were affected and whose direct deposits did not get deposited as expected. My bank just rectified the situation, on XXXX XXXX, XXXX and the paycheck that was missing was finally deposited into my account. 

Capital One is charging me a {$29.00} fee and no one can remove it. I called on XX/XX/XXXX at approximately XXXX. This recent inability to access my funds in my checking account was not my fault or my banks fault. It was an error on a larger national level and I feel I should not be penalized by overdraft fees, late fees or other penalties. It was the error at the national level with The Clearing House and the Federal Reserve.
Consumer complaint received 2023-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

These hard inquiries do not match any current accounts that I currently have. 
Below is all of the companies that placed hard inquiries on my credit report along with the inquiry date. 


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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Merchants Acceptance Corp (CA)

The only dates that I have on hand at the current moment is today,   XXXX   XXXX   XXXX     and a previous date of   XXXX   XXXX   XXXX    .     I 've had harassing, non stop phone calls to the point that I 've changed my number and had to block the company 's number on my home phone, when I have asked that all communication be done via United States Postal services, which has been ignored and I have n't received anything by mail. The debt that they 're trying to collect is on a   XXXX   XXXX   where my contract was voided since  XXXX  did n't keep up on their part and I returned the vacuum to them.     On   XXXX   XXXX   XXXX     I received an email stating that they 're trying to contact me in regards to my account - Which was sent to my email and  three others, two of w hich I have no connection to. This was after my grandparents and mother received a phone call from a man who got verbally confrontational with my mother. I replied back to the email stating that all contact needed to be done VIA  USPS  and if there was any issues to give me a call on a number I provided.     On   XXXX   XXXX   XXXX     - My employer got a call, fax, and email in regards to an employment verification, in which I called the number provided spoke to a woman named   XXXX   that had placed all three of those contacts, and informed her not to harass me at my place of business and if there was any need to contact me via  USPS  - which still has n't taken place. She placed me on hold stating that she was going to transfer me to someone to speak to in regards to it since she only does the " employment '' verification, and I was left there fo r fifteen minu tes before I finally gave up.     I 've had multiple calls on an old phone number that where I 've had their employees yell at me, call me names, and harass me about payment on an item I do not have. I have proof of changing my number, the block on my house phone, statements from my grandparents and mother about their phone call at my home, and proof that they 've contacted my employer.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX 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 2024-03-14
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: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing to formally file a complaint against EQUIFAX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-11-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (FL)

Hello, I am XXXX XXXX, and WestLake company is a fraud company. I never signed any agreements with this company. I never applied for an auto in the amount that theyre saying I owe. I lease a car from American Car Center. I put down XXXX XXXX on a XXXX that value price was {$11000.00}. American Car Center went out of business, and West Lake is charging me XXXX dollars, for an XXXX dollar car that I put {$1700.00} down on. Its illegal for them to put that much percentage on a vehicle that I didnt sign an agreement with them on, and not only that, but I did not take out an auto loan for. They have also seized the property, and auctioned it off. Why am I being charged XXXX for property that they seized, and sold.
Consumer complaint received 2023-11-17
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. (FL)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-06-23
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. (TX)

Account name : XXXX XXXX Account number : XXXX Status : Collection account According to a publication of the Internal Revenue Service, Charge-off or Collection or XXXX or Cancellation of Debt are regarded as gross or ordinary income. 

Thus, XXXX or XXXX or XXXX or XXXX of XXXX, reported on a consumer 's credit report as debt or loss inquired by a business, is fraudulent and inaccurate accounting. As gross or normal income is not reported on the consumer report. 

Take Mandatory Judicial notice, 15 U.S. Code 1681e - Compliance procedures ( 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.

Take Mandatory Judicial notice, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2023-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Columbia Debt recovery posted a collections account to my credit report in XXXX. I immediately disputed it with my credit bureau XXXX and filed a a police report with XXXX XXXX XXXX office. The police report number is XXXX their phone number is XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (FL)

I hold a mortgage with U.S. Bank Home Mortgage on XXXX XX/XX/2022 was a payment that was posted on my account for a total amount of {$7000.00}. {$1600.00} went towards my monthly payment and {$5300.00} when to my principal. In the Month of XXXX, I attempted to make a payment online but payment would not process so I called US Bank to make my monthly payment that's when I found out about a payment that was posted but not from me at the time I had applied for mortgage assistance through the State of Florida so I believe it comes from the program but was not sure so I ask U.S. Bank and was told that they can not disclose that information after my request. In the month of XXXX, the payment was reversed without notifying me and was needed to make up the remaining balance of {$4900.00} the only option was to force me into forbearance due to a mistake from my mortgage company that I'm still paying for its affected my credit and loan modification. I need it fixed. and it forced me to modify my loan now my payment is higher... I need my credit fixed and my mortgage lowered.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

In XXXX of this year I legally changed my name. And name only everyone I have talked to including social security tells me my credit history is tied to social security number not my name. When I provided experian with my legal name documents they wiped out my credit history and score. I called them and they told me they dont move information from a old name to a new name they claim that credit info is not attached to the social security number. They said that I would have to have my creditors send them my history. Well a couple problems with that is most of its under my old name or the creditors claim they have no way of doing that. I spent allow of money and effort cleaning up and rebuilding my credit and they just erased it like a clerical error. 

My former name : XXXX XXXX XXXX My new name : XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IN)

I have been dealing with these last XXXX disputes since XX/XX/XXXX. I have reasserted them at least XXXX or XXXX  times. I requested on XX/XX/XXXX via phone conversation to send me the evidence they are using to come to the conclusion that these disputes are not fraud. I have yet to receive it. These disputes are of their own making from incompetent staff putting in the wrong case numbers. Now I would also like to complain about Goldman Sachs specialist they need training for sure. I was told by a Goldman Sachs specialist supervisor that these disputes were going to XXXX XXXX and this was on XX/XX/XXXX. This is all on their recordings that they love to do.You should also hear babies crying on those tapes. What kind of bank is this they are trying to take care of babies while trying to take care of customers! What a mess!! Then they added the charges for the disputes to my closed account. What happened to the XXXX  Arbitration? It is a LAW that after 2 reassertions of disputes they are to go to XXXX XXXX. XXXX has a rule that for fraud you will not be charged for unauthorized charges. They should not be issuing a card with XXXX name on it if are not willing to stand by it. That is corrupt business practices. My evidence is the same that I sent for the XXXX disputes that were ruled in my favor. This is called harassment. I have to agree with other customers that have filed complaints about Goldman Sachs. They are corrupt and you cant get away from them and they cant be trusted!!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I consolidated my student loans back in XXXX. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with XXXX they reported XXXX or XXXX separate loans in addition to my large consolidated loan. They also reported XXXX to XXXX late payments on each XXXX of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past 6 years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported XXXX late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is XXXX percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ XXXX, which is now on my credit report twice along with an additional loan amount of roughly $ XXXX which is part of what has already been consolidated. I should only have XXXX consolidated loan in the amount of roughly $ XXXX and all late payments, all XXXX late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (IL)

Affirm has a feature where your establish payments by logging into your bank 's website to set up payments. I established this when I took the loan in September and received confirmation that Autopay was setup. In XXXX, I was notified that my loan payment was late. I checked my text, it showed autopay as established in XXXX. I made a manual payment, enrolled in autopay again. I received confirmation that autopay was established and would be used for my XXXX payment. In XXXX, I again received notice that my payment was late. I checked my phone, a confirmation of autopay from XXXX and XXXX was received, again, this autopayment was established by entering the credential for my bank on my bank 's website. Affirm claims that there is no account ending in XXXX and that the bank rejected the payments to them. When I called my bank, there is no record of any attempt to withdraw my payment. After making my payment for XXXX and again ensuring that autopay was established for this loan account, I again received a confirmation that autopay was established. Fast forward to today and I receive notification that my loan is over due. I will not have my reputation ruined by a lender whose website is not working properly.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Paypal, without my consent, has signed me up for automatic payment. There is no way I can cancel autopay. When I tried contact customer service, I was put on hold for over an hour and never got a chance to speak to a customer service representative. 

I would like Paypal to go into my account, today, and cancel any forms of autopay which they signed me up for.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

HELLO, I CHECKED MY CREDIT REPORT AND NOTICED UNAUTHORIZED FRAUDULENT INQUIRIES THAT I DID NOT GIVE CONSENT TO. I AM DEMANDING THESE INQUIRIES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.