davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

Capital One # XXXX XXXX XXXX Prior to XX/XX/XXXX Capital One Restricted My Card use because I would not update my ID information with them. As of XX/XX/XXXX I have been charged a Membership Fee for my " restricted '' Capital One Account, I still held an outstanding balance, continued to pay timely to the point that the " membership fee '' remained, on or around XX/XX/XXXX. Though my balance had been reduced to {$0.00} ( other than the member ship fee ), my use of this credit card remained " restricted ''. On or about XX/XX/XXXX my Capital one statement arrived it the mail, the statement stated that my " restricted account '' has been charged another annual membership fee of {$39.00} for the coming year. I choose this opportunity to call Capital One asking why they would think that I would pay a membership fee if I've not been allowed to engage in the membership benefits as a " non-restricted '' account holder may. It seems that their only interest is to get me to up date my personal information which I choose not to. I've never been late on payments, Capital One is who restricted my abillity to us my card. I've paid my balance to {$0.00} except for two ( 2 ) membership fees upon a card that the issuer has restricted the use of. 

My new statement arrived today : Previous Balance {$79.00} Payments XXXX Other Credits XXXX Transactions XXXX Cash Advances XXXX Fees Charged + {$25.00} Interest Charged + {$1.00} New Balance = {$100.00} The issue begins as this ; Two ( 2 ) Annual Membership Fees Charged to a " Restricted '' Card, i.e. meaning I could not use this card even though it was paid on time while now at {$0.00}. Two {$39.00} membership fees equaling {$78.00} that I told Capital One that I would not pay because the account was restricted from us by Capital One. I've paid my responsibility, I will not up date my personal information, Drivers License etc. for that is why they restricted my account over a year ago. Now Capital One wants to impose Late Payment Fees, interest on these unpaid " Membership Fees '' : Past Due Fee {$25.00} Interest Charge on Purchases XXXX New Balance $ XXXX Minimum Payment Due XXXX *Previous Balance of {$79.00} was paid down to {$78.00} ( equaling two ( ( 2 ) ) annual membership fees not paid My position is such, Capital One restricted my ability completely from enjoying and membership benefit ( s ) that the Annual Membership Fee provides through the restriction of my account. I continued to fulfill my responsibility promptly and timely of paying my account off. I do not see how one could expect or for that matter insist that these fees are payable, open to late payment charges and then to even charge interest on it as if they are purchases, Please.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc. (MO)

United Credit Collections violated my consumer rights. United Credit Collections has harassed me by making phone calls and much more. They have ruined my reputation by reporting information on my consumer reports.

UNITED CREDIT COLLECTIONS IS IN VIOLATION OF THE FOLLOWING : 15 U.S. Code 1692b. ( 2 ) 15 U.S. Code 1692b. ( 5 ) 15 U.S. Code 1692c. ( a ) ( 1 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692e. ( 2 ) 15 U.S. Code 1692e. ( 7 ) UNITED CREDIT AND COLLECTIONS INC was hand delivered an Affidavit on Wednesday XX/XX/ 2021 via certified mail ( Tracking # XXXX ) in which they have failed to properly respond. UNITED CREDIT AND COLLECTIONS INC has now been notified that they are in Default. This notification was sent via certified mail ( Tracking # XXXX XXXX. They are civilly liable.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

This goes back a number of years. In XX/XX/XXXX, my wife almost passed away from XXXX, a XXXX XXXX  that would have been fatal if not treated. Up until that time we were on time with no problems. We struggled, but with third party intervention we were helped. Three years later, I almost passed away due to treatments for XXXX XXXX XXXX in both legs. A XXXX XXXX  was found in time to prevent it from going to my XXXX. I've had XXXX XXXX since then. I can get the medical records for all of this. 
We were able, with the help of another third party, to get some modification. We never really spoke to anyone in the company in any kind of civil manner. We spoke to different people every time we called. They tell us that there is a dedicated loan specialist to help us, but we never speak to him/her. They are split between Texas and Arizona. No consistency. 
I had gone back to work before the pandemic hit. I believe we had contacted the company before this to maintain our modification, then COVID-19 hit, my building was closed, and I will not be going to work until XXXX. We were given a forebearance, which said that we weren't required to pay anything during that period. WE HAVE BEEN MAKING PAYMENTS THAT CAN BE CHECKED ON BANK STATEMENTS. I do not know if they have given us any credit for doing this. I also understand that Mr. Cooper was sued by a number of states ( including mine ) for unfair practices, and settled with those states. 
We want to stay in our home and would like to work out some sort of settlement. I have a XXXX and XXXX year old. This is the only home they know. Finding out now that this company settled a lawsuit rather than challenge it gives me hope that they, or someone will help us. 
Also, they never asked for any financial information from us
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-08-09
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I needed to transfer a wire to close escrow on a home I am purchasing. The funds were with Capital One. I sent the wire through their system at XXXX XXXX For some reason Capital One states that they can not process wires after XXXX EST. This is absolutely ridiculous since the federal wire cut off is XXXX EST. Their rules are completely hurting their members ability to move funds within the timelines set by the Fed. They need to change their rules to be more in line with the other banks around the county.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-08-27
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. (NJ)

I am a victim of identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has Fraudulent accounts on my Credit Profile that needs to be removed immediately
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

Account listed in 2016 was paid for and closed, the agreement would be the accord reflect as paid in full and closed. It currently continues to show as in " collections '' on my consumer file which is false and inaccurate and is grounds for Federal Legal action immediately. 
XXXX XXXX  was contact more than a month ago regarding this showing on my credit as in another status, " charged off. '' This too was false and is still grounds for Federal legal action. 
XXXXXXXX XXXX states they would contact me within 30 days and ha e failed to do so. They have my phone number and ha e never called, left a message, no email, nothing.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various XXXX  and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations.

Best regards, I remain
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MO)

I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C (OH)

I am being sued in two different cases in civil court in XXXX County Ohio by Stenger and Stenger, affiliates of XXXX XXXX. Both accounts are the result of identity theft, of which I am the victim. XXXX XXXX and their affiliates / attorneys, Stenger and Stenger are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither Stenger and Stenger nor XXXX XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. I believe these parties are fully aware that these two accounts are indeed a result of fraud. I believe they do not care about a just outcome in these matters. They only want to win.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I started a dispute on XX/XX/2021 with Equifax, by law they have 30 days to complete their investigation. Has of today XX/XX/2021 they have not completed their investigation. 

Their behavior is a violation of Federal law. They violated the law by keeping, reporting negative item which was over 8 y old
Consumer complaint received 2023-01-04
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. (FL)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 2021-05-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : Medical Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Consumer complaint received 2023-08-08
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. (AZ)

Dear Equifax, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX Code XXXX - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account.
Consumer complaint received 2017-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc. (PA)

The last time I went to  this dr my b ill was paid in full. They also charged me too much money and gave me the remaining balance back. They also charged me for xrays that were not given. This matter I thought was dealt with. I want all bills and payments showing this is owed. I also had insurance. They messed up every time I went in there. I do n't owe anything to  this dr . I am paid in full every time I seen this dr ( co   payment ). You have to pay any amount due otherwise they wont see you. I do n't owe anything. I want this removed from my credit file right away.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I Paid my credit card ending in XXXX in full on XXXX in the amount of {$890.00}, the posted the interest charge after the payment so a balance of {$7.00} when unpaid for a month, when i realized this I called and they apologized updated the account as not being late and did not pay the late charge ; they said they were going to remove the misinformation from the credit report but never did.