davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a Business loan and I got sick in XX/XX/XXXX and tried to make reduced payments and Capital One didnt want to so they filed a lawsuit and we went to court. I told the judge I knew I owed the money and they didnt want to make arrangements for lower payments due to Ill ess so it was bankruptcy or lower payment arrangements and they agreed to lower payment arrangements. I made all the payments and paid the final payment in XX/XX/XXXX and Capital One ever filed the Release of Lien that I paid of the judgment and now they or their lawyer dont want to file it. I have called XXXX and talked with XXXX, XXXX and XXXX at a call center. They can only relay messages to other departments. You never get call backs from these departments or follow ups, no addresses, phone numbers, e-mail addresses. You cant get anywhere past these three people. You are at a dead end with Capital One. Internet only has XXXX. XXXX XXXX XXXX is it a payment center or call center only? You get no where. Its a dead end.
Consumer complaint received 2024-10-19
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. (GA)

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2022-11-17
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. (NJ)

Based on New information I would like you to reinvestigate complaint # XXXX Please hold them to a higher standard of how they are doing there investigation into this matter Please see attached
Consumer complaint received 2024-03-13
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. (ND)

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

Details of the fraudulent items and the severalremoval attempts : I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX  SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance XXXX : $ {$5500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, LVNV FUNDINGS LLC I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXXXX/XX/XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by LVNV FUNDINGS LLC. Furthermore LVNV FUNDING LLC has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 my payment was posted to my Capital One credit card account. On XX/XX/2023 I received a notification via text message from Capital One that the payment was posted. I did not think they payment did not go thru. On XX/XX/XXXX I received another text message that my balance was of {$2200.00} because of this I contacted Capital One as I was under the impression that my credit card was compromised. I found out the payment posted XX/XX/XXXX had been returned, the account did not notify me of this. I contacted Capital One and they stated they do not provide any special notification if account payments are not posted, why would I receive a text message for a transaction that did not occur. 

They charge accounts for interest for the following XXXX cycles. If they think to charge an account for this long then they should also look at notifying their customers.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I made my final lease payment in XXXX and I had the option to purchase the vehicle at the end of the lease. My wife asked the XXXX rep about receiving the title to the vehicle and they could not give her an answer. I signed a contract with XXXX XXXX and XXXX XXXX XXXX and they can vouch that I have made all payments on time. I just dont know who is going to sign the title over after I send them the payoff. Apparently XXXX was reporting the final payoff as part of my regular lease payments which is not correct. I need to know who to send the agreed upon payoff to and they need to fix my credit report. I have worked hard to get my score into the XXXX now Im lower than where I started 4 years ago.
Consumer complaint received 2023-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP (AZ)

On XXXX my XXXX XXXX XXXX husband received a debt collection letter from North Shore Agency stating that they are collecting a debt for XXXX XXXX in the amount of {$12.00}. Although he never ordered this magazine he mailed a check in that amount on XXXX XXXX, thinking this would resolve the issue. However, he received XXXX XXXX on XX/XX/XXXX and XXXX He returned both magazines to the senders subscription department. On XX/XX/XXXX, he received notification from XXXX that the order was placed through an agency, that he needed to contact them because XXXX has an agreement that any action must be taken only with their approval. 

I, XXXX XXXX, wife of XXXX, contacted XXXX Customer Service Center advising them that we never ordered the magazine and that we wanted delivery of the magazine stopped. We were advised that a stop order was put in place and that we would receive XXXX more issue. I asked what the date of this order was and was advised that the order for the magazine was dated XXXX XXXX XXXX clearly after my husband had sent the check in response to North Shore Agency falsely claiming that this was a debt collection attempt. He had no debt!

It appears to me that North Shore Agency makes fraudulent claims knowing full well that this debt collection is fictitious. They may even target older people like my XXXX XXXX XXXX husband who are easily confused and intimidated. 

I have all supporting documentation. 

NSA North Shore Agency XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-10-06
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. (AR)

I have unauthorized inquiries, addresses, and names on my credit report from Experian I did not give any authorization to furnish on my credit report. Please block and delete the following inquiries, extra names, and addresses from my credit report : XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXInquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My real government name is XXXX XXXX XXXX 
My accurate address is XXXX XXXX XXXX. XXXX XXXX, AR XXXX
Consumer complaint received 2023-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (SC)

I attempted to enroll in Auto-Pay with Aidvantage for my student loans on XX/XX/2023. I am still not enrolled in Auto-Pay, and as a result, I am being charged an interest rate that is 0.25 % higher than the interest rate that I should be charged. This issue has been ongoing for almost XXXX  months with no clear response from Aidvantage and no resolution. I have reached out to the company numerous times through numerous channels. I waited at least an hour on hold each time I reached out to customer service. The chat functionality on the website is almost always down and not functioning. Emails take XXXX  days to be responded to on average.
Consumer complaint received 2018-04-02
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: Rocket Mortgage, LLC (AZ)

I attempted to use rocket mortgage, a product of quicken loans. 
This resulted in a hard inquiry on my credit report. 

The information I provided resulted in quicken loans offering me a loan for a {$5000.00} home. 

The results were ridiculous and have I known the results were going to be a joke, I would not have used the service.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not having any business dealings with this company I asked them to remove several times. They were force to be removed from my XXXX file but it is still showing up on XXXX and Transunion
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I signed up for a XXXX XXXX new card after trying to make a purchase using my old acct there ... .i was informed that the old account in approx. XX/XX/XXXX would not allow the workers to make a purchase on my acct. XXXX the store representatives at the XXXX XXXX Mall, NY got my information and opened up a new XXXX XXXX credit card for me in which i never got the card in the mail or the account number ( although the store employees indicated that i would receive my new account and card in the mail ... .I was recently told that XXXX XXXX XXXX took over the billing for XXXX XXXX XXXX ... ..my account was paid to be interest free in which the representative at XXXX customer service collections office by the name of XXXX informed me that she did not know the percentage of payment amount that i had to pay to receive the interest free ... .she could not see the purchases i made ... my interest free ends in XX/XX/XXXX yet i am being charged as if this account is not interest free ... ... the representative XXXX could not even tell me what purchases i made the company is very unorganized nor could the store employees tell me what purchases i made in the event i would like to return an item ... ..this negligents in keeping a the aformentioned {$800.00} credit limit account open when i could not purchase anything on it and requested that it be closed in XX/XX/XXXX is irresponsible and hurt my credit score the account was just closed after i demanded it to be ... ..complaint to the store again over the phone on its XXXX customer service number ... ..i was given a number to the parent organizaation of XXXX by the representative XXXX to file a complaint although she told me she could take a complaint at XXXX XXXX XXXX - about their billing ... the lady was rude asking me the same questions over again when the stores representatives told me that i had 1 year interest free before i would be billed which was not true ... ... ... ..doing so hurt my credit score although i have made payments ... .i have not gotten one bill or a credit card on the 2nd account XXXX approved for {$6000.00} ... ..this business has behaved shady and unscruppolous who issues credit refuses to give the customer a credit card or bill and keeps open a dormant account after the customer requested it to be closed yet they continue to send a new card for the dormant account not the higher interest rate account ... i have not received one bill ... ..they should be sanctioned ... .when i go into the store or call the store reps can not tell me what i purchased or all of my payments made in the store ... ... please remove all the deragotory stuff off of my credit report by this company ... i will never make another purchase there ever
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like l 'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person
Consumer complaint received 2023-04-19
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: Capio Partners, LLC (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX co XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capi Partners, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly 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 instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-10-06
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. (DC)

I had a property in XXXX which I can no longer afford to pay the mortgage. The tenants did not pay rent and was allowed to continue to stay in the property for extended months. I got a Realtor who placed the property for short sale and there was an offer for the said property. The realtor contacted the mortgage company XXXX XXXX several times and was not given a response neither was the offer accepted. Some time past and the property was placed in foreclosure by XXXX XXXX. Paper was submitted to the XXXX XXXX and it was denied. I have attached copy of the denial letter.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGA

TED 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. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-06
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: Onity Group Inc. (DC)

I had a property in XXXX which I can no longer afford to pay the mortgage. The tenants did not pay rent and was allowed to continue to stay in the property for extended months. I got a Realtor who placed the property for short sale and there was an offer for the said property. The realtor contacted the mortgage company PHH Mortgage several times and was not given a response neither was the offer accepted. Some time past and the property was placed in foreclosure by XXXX XXXX. XXXX was submitted to the XXXX XXXX and it was denied. I have attached copy of the denial letter.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am deeply disappointed by your failure to address the inaccuracies on my credit report, despite multiple requests and confirmations from XXXX. Your disregard for the Fair Credit Reporting Act is unacceptable. Rectify these errors immediately, or I will have no choice but to file suit against your company for non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-13
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. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
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. (SC)

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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX