davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this compan y  XXXX  s eries of documents and what they 've requir ed for my case. Still, am having issues with a creditor collection company on my report. Diversified consultant. I 'm wondering if Diversified Consultants pays this bureau under the table or just pays more than what is required but it makes me concerned. Diversified consultants have received also   XXXX   documents and the account was deleted off my credit rep ort, then they re-reported with the credit agencies.     I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail.
Consumer complaint received 2024-03-15
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. (NY)

I am submitting today to file a complaint regarding identity theft that has adversely affected my financial well-being. On XX/XX/, I discovered unauthorized activity on my accounts and personal information I realized that I had become a victim of identity theft. Despite taking measures to safeguard my personal information, such as unauthorized individuals managed to access my personal and financial data. As a result, fraudulent accounts were opened in my name, unauthorized charges were made on my existing accounts, and my credit report has been impacted negatively. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Original creditor XXXX  XXXX Balance XXXX {$430.00} XXXX  Original creditor XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2017-05-06
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 — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (FL)

On  XXXX   XXXX , I wrote t o Ford Motor (  with a copy to  XXXX   )  a second time to have them report my loan information to    XXXX  . They have been reporting to both   XXXX   and  XXXX . This is positive information which would help to increase my   XXXX    score if it were to be reported.     Neither Ford nor  XXXX  ever responded to my dispute and now  XXXX  months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my  XXXX  score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .
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. (CA)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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 XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Consumer complaint received 2023-11-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WSFS FINANCIAL CORPORATION (MD)

The. Collection tactics used by the XXXX XXXX XXXX XXXX XXXX and its servicer XXXX XXXX XXXX included an action in court to have a signature of my daughter affixed because it was not notarized on a document from 2005 and a concurrent foreclosure warning asking me to submit information when said action could not be pursued and was sent to harass me when the 2005 HELOC contract action is known to be time barred. These tactics are in violation of federal regulations protecting consumers from being harassed by collections agents.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NV)

My name is XXXX, XXXX in representation for XXXX XXXX and Ive been in an attempt to extend credit to American Express Bank XXXX XXXX XXXX XX/XX/2023 and then again on XX/XX/2023 for XXXX credit card accounts. The bank address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. Ive contacted the Chief Financial Officer of American Express XXXX XXXX XXXX via certified mail XXXX times ( XXXX ) explaining that according to the Federal Reserve Act Section 16. Note Issues, # 2 Application for note by Federal Reserve banks. My application I gave the bank with my social security number turned that application into a security collateral and Im owed equity and I can not be denied my extension of my own credit. I sent instructions to the CFO to transfer the credits of the principal balance to the principals account and to open the account. I have not heard any response from the CFO to settle the matter in good faith. Pursuant to Federal Reserve Act Section 29 Civil Money Penalty ( e ) Assessment ; any penalty imposed under subsection ( a ), ( b ), or ( c ) shall be assessed and collected in the case of a national bank, by the Comptroller of the Currency. I have all of my evidence in the attachments below for verification of facts.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am filing this complaint to CAPITAL ONE there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. I have attached my FTC report with the report number XXXX for your reference.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Paid XX/XX/2023 statement ( XX/XX/2023 - XX/XX/2023 ) complete per the balance due ; payment was posted to the account on XX/XX/2023 for the full amount on the statement. 
XX/XX/2023, a valid charge was posted to the account in the amount of {$26.00}. 
XX/XX/2023 statement ( XX/XX/2023 - XX/XX/2023 received with an interest charge of {$2.00} on a balance of {$150.00} as of XX/XX/2023 XX/XX/2023, at XXXX EST and a twenty ( 20 ) minute duration. I was advised that the interest is from the {$36.00} charge that posted to the account on XX/XX/2023. It was clarified to the Bank of America representative that the account per the XX/XX/2023 statement was paid in full as of XX/XX/XXXX, response yes. Clarified again that I am being charged interest of {$2.00} on my XX/XX/2023 statement for the charge that posted to my account on XX/XX/2023, which is after the XX/XX/2023 statement parameters, response yes, I can be charged interest for that charge until it is paid in full. Bank of America can charge interest for the previous two-month statements if the charges are not paid in full. 
I advised that I did not agree with this policy and that I would not be paying the {$2.00} interest fee and would be filing a complaint with the Consumer Finacial Protection Bureau.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I sent a request to Capital One and all my credit card companies in regard to a hardship. I have increased medical bills due to my son being diagnosed with a XXXX XXXX condition. XXXXXXXX XXXX and XXXX immediately put me on a hardship program that they advised was offered by XXXX XXXX It permanently closed the account and put me on a 60 month repayment program with 0 % interest. However, XXXX XXXX and Capital One refuse to work with me.
Consumer complaint received 2022-12-19
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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 2022-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

Chase is refusing to help and remove unauthorized charges on my account, representative said charges are valid after 60 days of posting regardless of status. 

Ive asked for them to change my account number and file disputes however the agents refused and because of their refusal to help, my account went negative and they closed it out after the fraudulent transactions posted Now my account with fraud activity was closed and chase is making me responsible for transactions I never authorized
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Multiple transactions that were not supposed to be approved on an account that closed. Account ending in XXXX XXXX- {$51.00} on XX/XX/13 and XX/XX/13 ; I have addressed this and assigned a new account number ending in XXXX. XX/XX/13 has not been refunded. This company was supposed to be blocked and they do not have the new credit card information. 

XXXX {$14.00} - I communicated this to XXXX XXXX but they told me the charge came from the account ending in XXXX. It did not because this information is not attached to the XXXX account.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (NY)

On XX/XX/XXXX I sent a letter to Self, Inc, advising them that ( 1 ) there were fraudulent charges on my account, ( 2 ) that those fraudulent charges resulted in derogatory information being reported to the Credit Reporting Agencies ( CRAs ) and that I wanted ( 3 ) reversal of those charges, ( 4 ) notification to the CRAs that all payments towards legitimate charges were up to date AND ( 5 ) that I wanted my account permanently closed to avoid future fraudulent activity. ( See Exhibit A of uploaded letter ). On XX/XX/XXXX, Self , Inc. reversed all of the fraudulent charges, and notified the CRAs my balance was always current. I assumed - reasonably in my humble view - that Self, Inc had also acted to permanently close my account to prevent future ask as I requested in writing. ( See Exhibit A in uploaded letter, p.2 ). I did notice what appeared to be some residual balances on what I figured was the old fraudulent charges being reconciled, so I made payments in an abundance of caution. Then, in early XX/XX/XXXX, I was the victim of an unrelated identity theft and ran my credit report. To my absolute horror, I learned that this case was never closed in XX/XX/XXXX. Instead, a new card was issued and used by presumably the same credit thieves whole stole my identity and prompted to run my identity history back in XXXX. They rang up {$1300.00} and didnt pay it - ruining my credit. ( See Exhibit B of uploaded document ) But the horrifying and grossly unfair result of this identity theft is XXXX purportedly delinquent accounts. ( See Exhibit C of uploaded document ) I made NONE of those charges. Please help me get these fraudulent charges and derogatory items I had nothing to do with off of my report. ( Please see Exhibit D of uploaded document - ID theft Affidavit ). I again wrote them summarizing all of this. They completely ignored me. Never even responded.
Consumer complaint received 2023-04-20
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. (TX)

See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.
Consumer complaint received 2023-08-25
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. (MA)

I've found that my credit report has erroneous information for the third time! According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must 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 an update 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 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 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 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/XXXX  I received a written offer from Capitol One to open a 360Checking account and make two deposits of {$250.00} or more each within 60 days and be entitled to receive a bonus of {$350.00}. I opened the account and made my first deposit of {$250.00} on XX/XX/XXXX  followed by another deposit on XX/XX/. In XX/XX/XXXX  I called to ask about the bonus when the bank representative told me everything is perfect but the bonus will be paid 60 days after the second deposit date. On XX/XX/, sixty days after the second deposit another representative told me again all is perfect and that I will be called on XX/XX/XXXX  about it. No one called so I called on XX/XX/XXXX  when the rep told me that I don't qualify for bonus because the deposit should have come from some other recurring sources which was not mentioned before during account opening process or during the calls I made to their help desk. 
Obviously this is a fraudulent act thru which the bank managed to collect money, increase capital, increase number of accounts and number of customers
Consumer complaint received 2017-05-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ID)

I attended  XXXX   XXXX   XXXX   XXXX  at which time I had taken put student loans. At the time i was empoyed with a position that paid higher than i would have received following completion of school. I was able to do a deferment a couple times, then became homeless for some time. I tried to set a deferment based on my circumstances. However it was denied becuase i had already defaulted. For a year p r two i  was receiving statements from   XXXX   XXXX  ,  XXXX  And federal student aid. Over the years I have been garnished my wages, had tax returns taken ; {$1500.00}, {$5400.00}, {$4700.00}, {$3800.00}, {$750.00}, my original loan was {$5600.00}. I was told i woud recieve notice where my tax rerurns were applied, I never received anything. To date i owe {$26000.00}. I have spent the last  three  years serving as an   XXXX   XXXX  , during the terms of service i am allowed my student debt to be free of any interest from incruing. They respond that I have no accounts with them, deny my request then i receive notification of my debt owed to them. Unfortunaty, i have had several   XXXX   XXXX   XXXX   since tgen, resided in a   XXXX   XXXX   XXXX   years, was unable to qork for several years due to a   XXXX   injury. I will have to research and try to obtain supporting documents.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (GA)

Please see attached letter which has all the dates and amounts. In a nutshell, I discovered XXXX charges that I never made. Reported them to Truist immediately. They investigated and ascertained that they were scam charges. The credited me with the smallest of the offending charges ; some $ XXXX. They have never did anything about the XXXX larger charges. About XX/XX/2023, I received XXXX letter from Truist saying that they would credit XXXX amounts inspired no doubt by my previous complaint ( XXXX ). 

To date no credits.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (IL)

I am reaching out to provide an follow up regarding my previous complaint concerning the incident in which I fell victim to identity theft. Once again, I wish to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1. This provision mandates that Credit Reporting Agencies must expunge and prohibit the inclusion of any items specified in an identity theft report. Kindly examine the attached documents to facilitate the process of expunging the inquiries that have appeared on my credit report without authorization. Below, you will find a comprehensive list of these unauthorized inquiries that have adversely affected my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX