davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. Banks are the borrowers as described in 12 USC 1431. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voluntary. This is a private transaction and this an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. Also per FCRA 604 ( 2 ) there never was a clear written disclosure nor authorization from me as the consumer and also as the natural person. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. A inquiry popped up on my consumer report which is a receipt of transaction as proof of reporting my federally protected information.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until 2 months after it was mailed because I have not resided at that address for more than 2 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was not living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX  and XXXX  breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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 2024-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (UT)

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX XXXX, I do not have a contract with National Credit Adjusters LLC , they did not provide me with the original contract as requested. Correction to my credit report, I demand this account be removed from my credit report.
Consumer complaint received 2023-11-04
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. (FL)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 I received a cashiers check in the mail from Wells Fargo with a letter stating I was overcharged for foreclosure fees from a home I owned with my ex husband about 10 years prior. On XX/XX/2023 I called the number on the letter to advise the check was made out to myself and my ex husband who I lost total contact with after our divorce 6 or 7  years ago and can not cash the check without both of us.The check amount was for XXXX. They told me to send them copies of my divorce and a letter explaining my problem with the check and I ask if they could resend half of the amount separately to myself and my ex. They advised me that once my info was received they would attempt to contact my ex and he has 30 days to reply if he doesn't they would re issue a check just to myself. 
I did not receive any call or correspondence for over 30 days so on XX/XX/2023 I called again and spoke to XXXX. She told me that she spoke to her supervisor who said my ex did not respond and they would reissue a check to myself or my ex making it possible for me to deposit without his signature.she said it can take up to 30 days to receive check. 
On XX/XX/2023 I called to check the status and I spoke to XXXX who advised that the check was mailed I should receive by XX/XX/XXXX. 
Called again on XX/XX/XXXX spoke with XXXX XXXX Said if I don't receive in couple days call back. On XX/XX/XXXX and spoke to a supervisor who said. Whatever i was told in past calls was wrong my exes power of attorney did reply and therefore they will not resend a new check. And on there end the case was closed satisfactorily. 
I received absolutely no documentation explaining and of this from Wells Fargo no matter who I called I did not get a call back On XX/XX/XXXX I received another check from Wells Fargo fir XXXX with same foreclosure overpayment letter. However this check said myself or my ex husband therfore I can deposit. 
I called and asked for a supervisor and XXXX XXXX got on phone. XXXX. He told me the XXXX new check was in addition to the prior check. He also told me that the case was closed. When I complained about not receiving and help or info about the matter and being unable to deposit the first check he promised me he would investigate the entire complaint and get back to me.after XX/XX/XXXX I received no reply from him so on XX/XX/XXXX I called left a voicemail no reply called again XX/XX/XXXX left voicemail XXXX reply. It seems nobody will return my calls I don't know which of the above is telling the truth I still have both checks please help me in this matter. 
XXXX
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (CO)

My name is XXXX XXXX. I want to know how XXXX is gon na pay me for locking me out of my unemployment benefits and making me go through XXXX verifying and reverifying numerous times my identity over XXXX XXXX. I was homeless and it was cold and they wouldn't help. I went to the bank no help they didn't handle that, they said. I called unemployment and they told me a lot of people were having this problem. I read an article that week about what they were doing to people, took article advice and filed a complaint. My address and email have changed and I refuse to use US Bank because they are thieves. I have my same bank but the unemployment went to the US bank card which I got rid of when my benefits ended. I feel they should have to pay me. They made XXXX cold, lonely, homeless and broke quite miserable. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
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: Guild Holdings Company (GA)

ON XX/XX/XXXX I sent a payment to the company addressed to the CFO with a letter of instruction and a legal notice. They kept the payment, Ignore the letter and legal notice, and refused to provide disclosed accounting information attached to my mortgage. and even though I have filed a claim disputing I owe them because they kept the payment, they are still reporting negatively to the credit reporting agency and proceeding with the foreclosure proceeding during this dispute without recording it as a dispute. This company is working under bad faith and not trying to sort this out and is just hoping I get through out of court on technical error so they don't have to face the wrong they are doing. 
As for now part of my case is for wrong foreclosing proceedings but if they foreclose, I will have to file another case for the wrongful foreclosing because in Georgia only a secured creditor can bring foreclosure proceedings. Guild Mortgage sold my loan and they are only my servicer not the owner of my mortgage even though this company is aware of its wrongdoing they have learned the system enough to violate consumer rights and get away with it. I will also look into filing an FDCPA claim soon as I am learning more about their deceptive practices, Not sure how my first claim with turn out because I am new to filing but I am learning so I will be prepared better to fight this company in the next caseS until my rights are treated fairly.
Consumer complaint received 2024-01-03
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 (WI)

Therer was and local charges on my card over 5 days. My card was taken from my house by a person i dated without my knowledge He is now in jail for fraud and burglary facing30 years plus his sentence of XXXX yrs he just got. When i seen the charges i confronted him in XXXX. he said, oh i used the wrong card i must of taken yours by mistake i will pay you. somehow the card was also used im sure with his doing or the sketchy sites he would go on for international fees. He was a con man with a record about XXXX pages long on CCAP that i found out later. He has frauded and scammed many people. his name is XXXX XXXX from XXXX. He stole money and jewelry from me and my child. I went to the cops and go figure they said they cant help. 

I tried to contact these companies and they were either unknown or couldn't be found or the number listed is not a number, bottom line they were fraud companies that billed my card. I went to capitol one about 5 times and filed disputes and they turned me down because the time frame after the charges were made. it was only 7-8 months when i went back over all my bills and called them. they were no help to me even though the charges were very known to be fraud from the international company. He stole about XXXX from me in total. 

the charges showed up on my XX/XX/2022 statement. the charges were from XXXX. i contacted them in XXXX 2022. I pointed out that the charges were fraud from overseas and they said i need to pay and too bad. Because of frustrating circumstances that he put my finances in, and because of no help from police or the fraud department at Capitol one i was made to pay these charges or they would put me in collections and possible sue me. I ended up getting a second job busting my XXXX off to pay these bills. working XXXX hrs a week. 
I talked to another person who was scammed my him over XXXX dollars. she also had no help from cards or the police. she said to file this complaint and hopefully i can get some help to resolve these charges. thank you for help in this matter. I appreciate any help. 


XX/XX/XXXX XX/XX/XXXX XXXX {$530.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX XX/XX/XXXX XXXX {$530.00} {$460.00} XX/XX/XXXX XX/XX/XXXX XXXX {$26.00} XX/XX/XXXX XX/XX/XXXX XXXX & XXXX XXXX {$93.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX {$31.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XX/XX/XXXX XXXX {$660.00}
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am filing a formal complaint against Capital One concerning their inadequate investigation process in response to a dispute I initiated on XX/XX/2023, regarding the account number XXXX on my credit report. 

Capital One 's response, dated XX/XX/2023, indicated that they required additional information to proceed with the investigation of my dispute. However, I had already furnished all pertinent details necessary for them to conduct a thorough investigation in my original dispute letter. This delay appears to be an attempt to hinder the investigation process rather than a genuine effort to rectify the inaccuracies. 

Attached to this complaint is a copy of my initial dispute letter to Capital One, as well as their response, for your reference.
Consumer complaint received 2023-12-30
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)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-15
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. (FL)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, Dept of ED/XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX account number # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX account numbe XXXX XXXX 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 Consumer reporting agency cannont furnish a account without my written instructions
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX