davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/ a new hard inquiry appeared on my credit report. I have not authorized or attempted to open a credit card with Capital One Bank XXXX. I attempted to call Capital One XXXX XXXX to inquire about the hard inquiry and they informed me that they were unable to give me any information as they did not have any records with my social security number. 
They then requested that I send a letter stating my concern to : CAPITAL ONE BANK USA XXXX CAPITAL ONE XXXX XXXX, VA XXXX Along with a report with CFPB I then got ahold of XXXX with my concern of an incorrect hard inquiry that was completed without my authorization. They informed me that any concerns would also have to be mailed out to : XXXX info services XXXX XXXX XXXX XXXX XXXX Georgia XXXX Along with a report with CFPB Therefore it appears that everyone is directing me to CFPB. I am unsure of how anyone would've had my information or how I can get it removed from my credit report.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Lyons, Doughty & Veldhuis, PC (DE)

My original debt with XXXX XXXXXXXX company was {$980.00}, I have been in contact with the company multiple times to resolve the problem and they are in refusal to let me pay the original debt since they purchased the debt in XXXX  they have been charging a daily 5.97 % on the account daily and now the bill is up to XXXX. I am willing to pay the debt but not the interest until I see the original contract saying that I have this account and can be charged interest once it goes into collections. I asked for the original contract over the phone and they said they were going to send it as well.
Consumer complaint received 2023-08-02
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)

Thank you for the opportunity to express my situation... ..pI have this XXXX XXXX XXXX by the name of XXXX that is reporting to all the three major agency 's ... ..im a XXXX that has XXXX and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You
Consumer complaint received 2023-06-02
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: NCB Management Services Inc. (GA)

NCB management has sent me a letter stating my information has been compromised and leaked, my social security number and other information has been hacked, I am a victim of identity theft and my information is being used to open accounts, I want this resolved NCB management has now put me in a strain for leaking my information, I will except XXXX to cover for damages or I will turn this over to an attorney to settle this issue, im already talking with an attorney, but if NCB management wants to settle with me it will be XXXX plus taxes, I will file a ftc identity theft report, to report this serious issue, I have been experiencing excessive amounts of fraud from this, now since i know where my information has been compromised, now settle this matter or will sue for a lot more than XXXX plus taxes which 33 % thank you.
Consumer complaint received 2023-06-02
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (UT)

About 2 years ago I refinanced a commerical property with US BANK. Around last XXXX they came back and said they need to do additional paperwork to match the loan to title. For 6 months I provided requested information. I went in to a branch last fall to sign the new documents. AT ALL TIMES I WAS TOLD THIS WAS JUST FIXING THE PAPERWOR AND NO CHANGES WERE BEING MADE TO THE LOAN. They had me come back around XXXX of this year to sign even more documents. Then in late XXXX, XXXX again said he needed more documents signed. I was busy and couldn't get to it right away and XXXX said he needed them ASAP and would even come by and pick them up. So i went to sign but read the documents first. They attemped to MODIFY the note by adding in a PREPAYMENT penalty that was not in the original loan. This was stuck in the middle of a bunch of other RUSH signings. At no time was I told that they would be modifying the note. I responded that I would not sign the amendment because it was a fraudulent attempt to modify the note. 

They also have falsy reported negative information to the credit bureaus. I tendered payment in full and on time. But UNKNOWN to me, they changed the loan number. And US BANK rejected my payment. This was discovered and corrected. But they not only reported a late payment ( wrongly ) but they haven't fixed it and now there are 60 day late payments. My credit score dropped almost XXXX points and i was denied credit ( this is how i found out ). 

And this doesn't even begin to relate a separte major screw up on their credit card/banking side that took me 9 months and cost my thousands just to get them to fix their problem. 
And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused. 

Another Complaint : US Bank credit card reps ignored mutliple direct demands not to withdraw money out of a closed account because there was no money in the account. They did it anyway causing an overdraft. US Bank credit card side DOES NOT COMMUNICATE AT ALL to their banking side. I spent over XXXX hours on the phone on multiple occasions, went in to TWO branch offices and was ALWAYS told that they would take care of it. NO ONE DID ANYTHING. But of course i got multiple threatening letters telling me i had to pay it. I wrote emails and letters to branch managers and regional managers before i got this taken care of. AND I STILL HAD TO PAY THEM MONEY I DIDN'T OWE THEM! And this isn't 1/10 of what i had to go through. Complete incompetence at every level. They simply ignored me and demanded that i pay them. 
And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused, AGAIN
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

The last response did not fix my problem if you would have read the message or looked at the pictures that I attached you would have seen that in your portal where I make my payments it is showing no active account I need that fixed because that is how I make my payments. That needs to be fixed to avoid you taking me to court because I cant make any payments or verify that they were applied to my accounts.
Consumer complaint received 2023-06-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (GA)

Frost-Arnett Company Reference XXXX XXXX XXXX XXXX Frost-Arnett a debt collection agency claims they are attempting to collect a debt owed to XXXX XXXX XXXX  ; before the payment the account was in default. Frost-Arnett 's information for the amount is inaccurate. There is not Account number.

Documents attached - Copy of Frost-Arnett Copy of XXXX XXXX XXXX Billing Statment Copy of Dispute Letter
Consumer complaint received 2023-06-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc. (PA)

THE DEBT VALIDATION LETTER THAT WAS RECEIVED DID NOT HAVE THE FALSE INFORMATION ON IT AND WAS VERY UNFAMILIAR TO ME. THE ONLY FORM OF MASTER PROMISSORY NOTE WAS SIGNED AND COMPLETED BEFORE MOVING ON CAMPUS IN XX/XX/XXXX. EVERYTHING WAS ALL PAID UP AND TAKEN CARE OF DURING MY TIME AT XXXX. I RECEIVED MY XXXX DIPLOMA IN XX/XX/XXXX BY MAIL WITH NOT ISSUE. MY SUPPORTED DOCUMENT WAS PROVIDED MY FAFSA.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 this has violated my rights and I need it removed as soon as possible .

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 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 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (FL)

i XXXX XXXX as the victim reporting identify theft as i seen and noticed on my credit report an unauthorized collection from XXXX XXXX XXXX XXXXBull City Financial Solution with a open balance of {$370.00}, my personal information was stolen and someone had use my identity information to open this account on XXXXXXXX XXXX.i have no knowledge of this account and This account is not mine i noticed that this unauthorized and unverified collection account had been open in my name without my consent without my knowledge. i XXXX XXXX would like to have this collection account DELETED and REMOVED from off my credit report as soon as possible.
Consumer complaint received 2023-04-11
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score and ability to get a job. Multiple times I have contacted XXXX XXXX and Experian to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXX XXXX  reports on Experian a total balance of {$8400.00}. 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, also states a consumer reporting agency can not furnish a account without my written instruction. Experian has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I recently placed a complaint in regaards to Portfolio Recovery Associates, who filed a citation against me, in civil court. XXXX XXXX, with CFPB. They claimed to have sent a letter on specific dates, initiating the purchase of my debt from XXXX XXXX XXXX XXXX XXXX. However, this was false information. As I stated in my feedback, I receive XXXX Mail from my postal service. Which means, I receive images of my mail, before they arrive in my mailbox. I checked dates given for letters and received absolutely nothing from this company. That is, until today, XX/XX/2023. 
However, I contacted XXXX XXXX  in regards to my XXXX account. 

After searching endlessy, I found emails from XXXX XXXX, in my junk mail ( emails ). 
They offered me a settlement and payment plan, that would remove all late fees and allow me to pay my balance off with them. 
I called, XXXX and spoke with XXXX. She informed me, that a dispute was sent to Portfolio Recovery. She also informed me that, within 60 days, my account should be back with XXXX XXXX  and I should not have to deal with Portfolio Recovery Associates.
Consumer complaint received 2023-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (CO)

Flagstar Bank, and other banks it seems ( XXXX XXXX has similary policy that appears in XXXX search (, have a policy of requiring to be sent certified funds or through XXXX XXXX after 2 or more returned payments. They require it for 6 months. XXXX just enacted this policy for me after I missed 3 payments due to financial issue, and frankly negligence of becoming overly reliant on automatic transfers. 

This practice imposes a severe hardship on consumers in XXXX, where virtually everything is electronic. Going to a bank or XXXX XXXX is not feasible for many, and not practical for anyone. It increases the risk consumers will default on their loans by in fact making it more difficult to pay. More importantly, the legal contract for the mortgage does not allow this a remedy. They have a remedies for returned funds : charge late fees, and/or foreclose. Both of those remedies are spelled in the promissory note, requiring payment in certified funds or through XXXX XXXX is not. 

For individuals, living in rural XXXX, there may be no bank or XXXX XXXX within hours. However, they may have XXXX or other cash transfer apps, or the internet where cash is transferred everyday. For XXXX ( and other banks ) to limit the vast array of payment options when consumers are struggling is wrong, and I'm concerned illegal which is why I'm filing this complaint. 

I was informed today XX/XX/XXXX of this practice.
Consumer complaint received 2023-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : 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 2024-04-01
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. (AZ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I've been trying to link other banking accounts for transfers with pnc through XXXX. Sometimes it works and sometimes it doesnt, I recently linked one of my accounts finally with no problem. Now I'm trying to do the same with another account but it keeps denying. This is the biggest inconvenience that pnc has been constantly causing withing the past year!
Consumer complaint received 2018-04-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IQOR US INC (NY)

This number repeatedly harassses me throughout the day, even after I have explained to them that I do not owe any debt, and that they have the wrong person. I have blocked them and they continue to harass me. I do have credit card debt but I make my monthly payments on time and above the required amount. I have nothing that would require a debt collection service and they continue to harass me.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MI)

To whom it may concern, I XXXX XXXX, the natural living man recieved correspondence from HRRG XX/XX/23 via U.S. mail regarding an unknown alleged debt. I have never done business with HRRG, I HAVE NOT SIGNED ANY CONTRACT WITH HRRG. I have never given consent for HRRG to house, store, nor share my personal/private information. I dispute the validity of this alleged debt, I demand validation for the alleged debt pursuant FDCPA FCRA guidelines. I have never authorized HRRG to access my private/personal information and do not know what this company is regarding to any alleged debt said to be owed.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BEING CHARGED DOUBLE ON MY CREDIT WITH THIS ACCOUNT AND THE COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.