davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I inquired in XXXX of 2023 about discharging my balance. I had another credit card with the same company that i intended to use for a trip. My inquiry must have incited a hatred and comtempt because I recieved a letter stating I was trying to do fraud and as a result they closed my accounts and reported to the credit monitors that they had made some agreement with me when in fact they refused to tell me that I had right to rescind, dispute, or discharge the debt and their particular methosd to do this. They shut off my application acces and they have sold the debt to a third party that I never gave permission to share my private personal information, and contact information to harrass and bother me. I have not recieved any tax information regarding them writing off the debt, and I am convinced this result in parking bad and erroneous information on my consumer for the sole purpose to make me look bad to other creditors. They are still sending me bills, despite selling the debt. Balance billing is illegal right?
Consumer complaint received 2023-08-31
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. (IA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (CA)

I cancelled our account with XXXX, and they billed a month ahead. I called about this and they refunded. Then they charged us again, said we didn't pay it and sent it to collections. I disputed it with the collection agency with plenty of proof and they never responded. More than 30 days had past and my wife sent an email again that reads : It has been over 30 days since I emailed you requesting that this erroneous debt be corrected. It is your job to respond as to the status, and I can only assume that since I did not hear back from you within the legally allotted time that this has been dismissed. Please respond that this is in fact what you have done. 

They responded back saying we had to contact XXXX. Today, I received another letter from a different collection agency. I will dispute with them as well. 

How can we be sent to collections AGAIN when XXXX AND a different debt collector couldn't prove we owed it?
Consumer complaint received 2024-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I received my XXXX mortgage analysis on XX/XX/XXXX with a refund of {$1000.00} ; however, the new analysis has my mortgage increasing as of XX/XX/XXXX. I contacted AmeriSave on XX/XX/XXXX and was told the analysis was from last year 's payouts to my insurance company and county taxes. I explained they overestimated my taxes last year, which caused the refund. I requested a new analysis be completed and my mortgage be adjusted correctly ; I was informed I would have to wait 45 days from XX/XX/XXXX, due to federal laws. I explained if my monthly payment is based on last year 's number and I received a refund, then someone made an error, and I should not be waiting 45 days for the analysis to be done. I also explained the amount I pay does not have a refund with interest the company has made, so I don't feel I should be getting an increase when last year 's payment created a refund.
Consumer complaint received 2024-01-12
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK (CO)

On XXXX, I received a phone call from XXXX, the caller identified himself as a member of the Financial Consumer Protection Bureau, and asked if I applied for a Discover Card in XXXX under the name of XXXX XXXX. The caller read me the last 4 digits of my SSN, the last 4 digits of my XXXX Credit card, and a variation of my credit card balance. I denied that I sought the Discover Card, and acknowledged the numbers he read to me. We agreed to not approve the DIscover Card. The agent then handed me off to XXXX XXXX, who offered to help me reduce my credit owed to XXXX due ot their overcharging me on their Credit percentage. I kept the call going and asked XXXX for his phone number - XXXX, and postponed a decision to take his offer. No money was exchanged, nor lost on this encounter. This is my first report of the incident.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

In about XXXX of XXXX  I was renting a car. When I returned the car, they double charged me for XXXX week. I had no overdraft protection on my checking account with XXXX XXXX XXXXXXXX, so they should have not paid the second payment but they did anyway. I then disputed it but they refused to reverse the payment. They then insisted I pay this double payment even though I showed them proof it was unapproved and not valid. So they closed my account- which I can understand- but they then reported me for " account abuse '' to Chex Systems and I haven't been able to get a bank account since. Since I work from home, this has caused me a huge problem in finding work if I can't get a checking account to receive money online through. I couldn't even figure out where this was coming from until finally someone told me to check with Chex Systems as this " account abuse '' wasn't showing up on my regular credit reports.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-04
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: Prosper Marketplace, Inc. (WI)

I filed a dispute with XXXX XXXX XXXX XXXX about the errors listed on this account. That your company has reported on my credit report and it needs to be corrected, modified or deleted immediately. Because my consumer rights is being violated by your company for not complying to my demands. To correct these inaccuracies from my first dispute that I submitted through XXXX. The date this account was closed was on XX/XX/XXXX. But in fact, the payment rating on that very same date as you can see by looking at my XXXX credit report. It shows that the payment was XXXX days late? Also your company reported that the last payment was made on XX/XX/XXXX, but the payment rating shows a XXXX day late notation? According to the Fair Credit Reporting Act section 623 and 15 U.S.C. section 1681s-2 responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I went for a physical exam to the XXXX XXXX in XXXX KS. I paid the amount owed ( {$59.00} ) while theyre back in XXXX. Last month i received notice i was being sent to collections. i confirmed with my bank that the amount was paid on the day of service. I have called the XXXX XXXX several times and they continue to state that they havent gotten to it yet I only have XXXX days left before they submit to collections and hurt my credit for a debt i never owed.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-04-21
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. (PA)

The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-08-22
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. (MS)

I am the victim of identity theft. I have tried numerous times to correct this issue with Experian without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX  XXXX XXXX / XXXX {$14000.00} XXXX XXXXXXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX  XXXX XXXX / XXXX {$24000.00} XXXX XXXXXXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXXXXXX XXXX / XXXX {$17000.00} XXXX  XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXXXXXX XXXX  XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX  XXXX / XXXX {$1200.00} XXXX XXXX  XXXX / XXXX {$300.00} XXXX XXXX  XXXX / XXXX {$2700.00} XXXX XXXX  XXXX / XXXX {$250.00} XXXX XXXXXXXX XXXX / XXXX {$1500.00} XXXX XXXX  XXXX / XXXX {$3000.00} XXXX XXXXXXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX  XXXX / XXXX {$610.00} XXXX XXXX  XXXX / XXXX {$8600.00} XXXX XXXX  XXXX / XXXX {$5700.00} XXXX XXXX XXXXXXXX / XXXX {$760.00} XXXX XXXXXXXX XXXX / XXXX {$3500.00} XXXX XXXXXXXX XXXX / XXXX {$37000.00} XXXX  XXXX XXXX / XXXX ( All accounts that say XXXX XXXX  XXXX / XXXX )
Consumer complaint received 2024-02-04
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC. (TN)

On XXXX I sent a letter to Midland Credit notifying them of their attempt to collect the alleged debt ( s ) violated Tennessee Code 47-50-112 ( a ) making the alleged debt or instrument unenforceable. This account continues to report on my consumer credit report which is also a violation of the FDCPA. In addition, Midland Credit has violated 1006.6 ( d ) ( 4 ) ( i ) ( B ) failing to obtain prior consent before sending electronic communications.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UMB FINANCIAL CORPORATION (VA)

I was a victim of bank hacking and fraud, that fraudsters stole all my money from my bank account occurring throughout XXXX and XXXX of XXXX, and an investigation followed until XX/XX/XXXX, during that time my hacked bank accounts were frozen, and I had to have a new bank accounts issued in XXXX and XXXX of which caused some issues with delayed payments. I submitted a letter to UMB corporate office explaining the situation as they marked me 30 days late in XXXX of XXXX, but to this date I never received a response to that letter. I filed a complaint with the credit reporting bureaus on XX/XX/XXXXXXXX  and attached all documentation of the fraud and issues that were beyond my control, if UMB could act fairly and consider the circumstances as I have never had a late payment until this bank fraud occurred. The Credit Bureaus conducted an investigation and the UMB credit card company refused to remove the 30-day late mark against my credit report, causing a XXXX score drop on my credit report. The UMB credit card company is acting unfairly by refusing to consider issues beyond my control and the very serious issue of bank fraud, stolen identity and stolen money. The UMB bank has a statement on every month statements advising that they will consider if you are having a hard time due to the current health pandemic, to contact them for arrangements, but they won't act fairly or consider when a customer tries to explain they are a victim of stolen identity, bank fraud and criminal actions, nor consider relief and remove the 30-day late mark from my credit report.
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Servicing Group (WY)

Capital Services has called myself, family members and friends. Not sure how they got the numbers. Threatening to serve documents and take legal action for a debt.

I called to ask about the debt all they would tell me is it was from XXXX. I asked name of company I owed a debt and he said alphabet company meaning they own lots of loan companies, he would never tell me who I owed. I asked him to mail Me copy of document he refused. He refused to tell me who I owe. Only if I dont pay I will be served. I asked him to verify who he was by asking office location he would not.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TO WHOM IT MAY CONCERN ; I am writing to let you know that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All of the accounts are not mine and I am a victim of identity theft. Please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (IL)

On XX/XX/XXXX Hurricane Ian damaged our home. The insurer did not pay us until XX/XX/XXXX, XXXX I sent Freedom XXXX drafts from my home insurer totaling {$100000.00}. Freedom Mortgage released {$40000.00} to us on XX/XX/XXXX. Freedom is holding the {$62000.00} balance and now refuses to release the balance after promising to do so. 

On XX/XX/XXXX, they sent an inspector to our home and documented that all repairs ( except the garage door replacement ) are completed. On XX/XX/XXXX a representative in their Loss Draft department called me. During that call I was promised the balance would be released promptly and I would receive the draft in XXXX to XXXX working days. Yesterday, XX/XX/XXXX I called Freedom and after speaking with a manager, I was told that a draft was not mailed because the representative I spoke with on XX/XX/XXXX did not have the authority to make the decision to release the balance. This was a shocker because the rep spoke with her manager to get the authority while I was on the phone. No one called or wrote to me to advise of the change in the decision; had I not called, I would not have known. I did all the repairs to the home with the exception of replacing the garage doors ( a very small percentage of the overall damages ). I sent them a self-repair letter as instructed but now that is not good enough. The manager I spoke with yesterday now has changed their procedures and is requiring that I send all receipts for materials and labor I have paid out of my pocket. This is a complete reversal of the original instructions. I am being asked to provide information that I do not have. Since I served as the XXXX XXXX for the repairs, I do not have a signed contract nor do I have lien waivers. If they are so concerned about liens on the house all they have to do is complete a lien search. 
Yesterday the manager told me that no further payment will be made. When I called the main number for Freedom, I was told that my issue would be sent to the Escallation Department and I would receive a call promptly. I have not heard from them. They have a very lengthy and ongoing history of doing the very same thing to many other customers.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Greetings, My name is XXXX XXXX XXXX and I found inaccurate information on my credit report.The following is what I found... 
On XXXX there is a company called XXXX XXXX XXXX with a balance of XXXX Account details Account NumberXXXX  Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$3400.00} Unpaid Balance {$3700.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX On XXXX reporting I found the following... 
Collections XXXX XXXX A Reported : XX/XX/XXXX {$5900.00} Current RatingCollection/Charge-off Account details Account NumberXXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX XXXX Status Open Type Individual High Balance {$5900.00} Unpaid Balance {$5900.00} Collection agency XXXX XXXX  A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX What I found on my Transunion report was the following... 
Account details Account NumberXXXX Date OpenedXXXX XXXX, XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} Account details Account NumberXXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ( XXXX ) XXXX The acts I have taken was talking to a XXXX XXXX for consulting. I was instructed to contact this agency ( CFPB ). I found that these agency that misreported on my credit report is violating my rights. 
My Legal rights states as follows... 
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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX