davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (AR)

XXXX XXXX said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from XXXX XXXX or from the court system. 
My employer received a letter from Lloyd and McDaniel in reference to XXXX XXXX with information to garnish my wages. I did not receive any information from XXXX XXXX or from Lloyd and McDaniel about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information Lloyd and McDaniel sent my employer on XX/XX/XXXX. 
The initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. 
I have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of two children. Both children are beginning college in the fall. If XXXX XXXXLloyd and McDaniel garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. XXXX XXXX and Lloyd & McDaniel have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.
Consumer complaint received 2023-02-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with original signatures, no photo copies. 

Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ive tried to contact Transunion on this matter previously. I also filed dispute after dispute trying to get these inquiries that reappeared back on my credit in the year of 2016 due to their glitch. The company failed to take them off.
Consumer complaint received 2021-06-20
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: Experian Information Solutions Inc. (AZ)

FRAUDULENT ACCOUNTS ON CREDIT REPORT I HAVE CONTACTED CREDITOR AND CREDIT BUREAU 'S AND HAVE NO RESULTS THESE ACCOUNTS DO NOT BELONG TO ME AND I DO NOT OWE ANY OF THEM MONEY CONSUMER ADJUSTMENT CO XXXX creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2021 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 2021
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

The said company is LVNV FUNDING LLC - XXXX. XXXX  XXXX XXXX, SC XXXX This company is on my credit report not once but twice and I do not know who the company is and I do not owe this company anything.I have not had any success in contact with the company and, I have contacted all three credit bureaus and waiting for a response. I am aware with the recent pandemic that crazy things are appearing on consumers credit report. However I do not know who this company is. I have NEVER applied for anything with this company and I am requesting help in finding out who this company is and why is derogatory information being displayed on my credit report in reference to this company claiming that I owe them two different amounts. No company should be able to place anything on your credit report without you applying for credit much less any derogatory information and the consumer not know who the company is or the consumer have not spoken to this company. I am sure there has to be some type of law that has been broken. I am requesting help in finding out who this company is and if the company seem feel that I owe anything, then i would like a full validation with my signature of some sort of contract that connect me to this company. and why are they listed on my credit report twice? 

Thank You for your time and your help with this matter. 
I look forward to speaking or hearing from someone soon.
Consumer complaint received 2021-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rushmore Service Center, LLC (GA)

Rushmore Service Center continues to attempt to collect a debt they can not prove is mine. I have asked on three separate occasions for the documentation indicating my business relationship with RSC and the contract with my wet signature. RSC continues to send a copy of what looks like an old bill. They are using unfair and deceptive means to collect an alleged debt.
Consumer complaint received 2017-04-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (SC)

I pulled a copy of my credit reports and saw the Central Financial Control reported XXXX collections that does n't belong to me. I called to ask for validation of the debt in XX/XX/2017 and they got rude and refused to send it. I sent a certified letter to the company on XX/XX/2017 requesting validity of the debt and to cease and desist all credit reporting until the debt is validated. The company is still reporting the collection on my credit report and has not responded to my letter.
Consumer complaint received 2021-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Reporting inaccurate information part # 1 : XXXX has XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting " late '' for month of XX/XX/XXXX but on time XX/XX/XXXX. 
While Equifax is reporting the opposite : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : reporting on time for XX/XX/XXXX but " late '' XX/XX/XXXX. 

Reporting inaccurate information part # 2 : Both XXXX and Equifax are reporting a collection listed as XXXX XXXX XXXX : I sent a Debt Validation letter and have not heard back with my request for them to validate the debt nor have they responded at all and this was sent in XX/XX/XXXX, it is now XX/XX/XXXX. 

I want both XXXX  and Equifax to either validate the debt and " late '' payment correction or delete them all together as neither of these inaccuracies have been corrected nor validated.
Consumer complaint received 2017-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: EQUIFAX, INC. (PA)

I have replaced my XXXX XXXX debit card three times this year. One time as a precautionary measure ( prompted by XXXX ), and two times after fraudulent activities on the account. The fraudulent activities are as follows shortly after replacing the debit card the first time after having suspicions of possible fraud : XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX= {$2600.00} XXXX Consumer XXXXr= {$1500.00} XXXX XXXXXXXX= {$700.00} XXXX reversed all of the charges and I had to replace all unused checks, change my account #, change my online banking info, contact creditors with new bank info and put the account on high security alert. I also had to replace all of my credit cards and change all of my user name and passwords for online activity. I manually enter all user names and passwords now. 

I paid for XXXX to put my account on " Initial Fraud Alert '' on XXXX/XXXX/XXXX which would be in effect for 90 days. This included XXXX ( XXXX  contacted them ) that had me on their " Initial Security Alert ''. This did n't catch the 2 transactions dated XXXX shown above which were after the stated alerts. 

I then contacted Equifax to find out that my personal information was in fact compromised. This breach of information was in mid XXXX and the above fraudulent activity happened shortly thereafter. I do n't think this is a coincidence. 

To top it off, I then had another fraudulent charge to my new XXXX debit card as follows : XXXX XXXX in XXXX XXXX= {$970.00} I had a travel alert in my email the day before about going to XXXX which I was n't doing so I contacted XXXX the day before the above transaction ( same day I received the email ) and they still could n't prevent it from happening. So, they had to issue another debit card and freeze my account. I was in the process of buying a car and was transferring funds from one account to another when this happened which prevented me from writing a check to pay for what is considered a person 's second largest purchase in their lifetime. So, after running from one branch of XXXX to another and investing even more time into getting things back to normal, I was able to have a new debit card made that day and also got my account off of " freeze '' so I could pay the car dealer for the vehicle. 

I called XXXX to get my online banking secured even more and make some changes and have high alerts implemented again. They did admit to some security weaknesses???? Thankfully, I did n't have to go through the hassle of changing my checking account info again. 

When is enough, enough? I 'm now in constant fear of when the next fraudulent activity is going to appear. I 'm sending this email in hopes that it will be yet another step in securing my information ( it did n't do much good with XXXXXXXX XXXX, and Equifax ).
Consumer complaint received 2023-05-22
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. (GA)

XXXX XXXX I am writing to request the removal of the unauthorized credit inquiries on my credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-20
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. (AZ)

FRAUDULENT ACCOUNTS ON CREDIT REPORT I HAVE CONTACTED CREDITOR AND CREDIT BUREAU 'S AND HAVE NO RESULTS THESE ACCOUNTS DO NOT BELONG TO ME OR AND I DO NOT OWE ANY OF THEM MONEY CONSUMER ADJUSTMENT CO Original creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2021 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX
Consumer complaint received 2021-06-19
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. (DE)

This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Inaccuracy # 1- The account numbers do not match. XXXX and Experian is reporting XXXX and XXXX is reporting XXXX. An account number is Identified by a specific number and there can only be one and it has to be completely correct. 

Inaccuracy # 2- The date of last activity does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate. 

Inaccuracy # 3- The open date does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These dates must all match and be the same. 

Inaccuracy # 4- The last payment dates do not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy # 5- The credit limit is reporting at {$500.00}, but the high balance is reporting at XXXX. Is is illegal to add fees to a collection. There was also never a break down of how this this balance was calculated. 

Other inaccuracies and violations include the account number being altered on XXXX. In XX/XX/XXXX the account number was : XXXX and in XX/XX/XXXX the account number is : XXXX. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.
Consumer complaint received 2021-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one closed my account after I filed a complaint against them for changing my checking account to another checking account. They did this knowing I had XXXX Direct Deposits into my first account. And this would keep me making transfers to the new account or get overdrawn and not be able to pay my bills. Both of these XXXX direct deposits are from the Government ; XXXX XXXX ) Social Security from Texas and XXXX XXXX ) life time check from XXXX XXXX from the State Of Washington. Changing both of these XXXX direct deposits would be major to change them. I am XXXX XXXX XXXX. and I really don't need these problems. Now I was trying to keep XXXX registers for XXXX checking accounts. I have a lot of bills and payments, the majority of them being paid with the Capital One Account. 
Now they have closed my accounts all of them. They are saying because of some deposits being made from a friend of a friend and he sent them from his unemployment. 
I have No Idea where he was sending them from! I don't think that is my responsibility. 
If Capital One didn't want to accept them XXXX should have refused them in the beginning. I didn't benefit from any of them! The first ones f were for a XXXX XXXX XXXX that had been run over by a car and she was going to loose her leg unless they did XXXX on her. This friend of a friend said her would send {$900.00} for the XXXX. Which he did and I forwarded it to the parent. 
The second amounts were a favor to a friend so he could buy something from another person. I didn't benefit from any of this. 
I don't have any idea what or how a person gets their Unemployment. I didn't know it was from unemployment, which wouldn't have mattered to me anyway. If he wants to use his unemployment that way, that is his business. 
But now Capital One has closed all of my accounts and kept my money that is in there. I can't pay my bills, and I am going to owe late fees on everything. 
I think they have done all of this because I reported them to the Cfpb. 
I have been a customer of Capital One for a long Time
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I paid {$11000.00} from capital checking account to capital one credit card on XX/XX/2022. The payment was returned for unclear reason. However, only {$7000.00} came back to my checking account and {$4000.00} were missing. I have talked to both, the checking account and credit card team and nobody want to take the responsibility. I have spent a lot of time on the phone trying to solve this problem and the XXXX are still missing. I need help from an external institution, because the bank is not willing to help, their investigation is closed and I can't spend more time on the phone on this issue.
Consumer complaint received 2022-09-12
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. (NJ)

XXXX XXXX XXXXXXXX is currently reporting late activity. This account was paid in XX/XX/2016. As a result, I am exercising my rights under the FCRA. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 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 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.
Consumer complaint received 2017-04-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associate has been reporting XXXX collection accounts on my credit report and from what I see they can not have proper validation because they are reporting different dates of first delinquency to all XXXX credit bureaus which is a violation and against the law. The have not done a proper investigation and by law they must delete the accounts.
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a XXXX credit card with Capital One and it includes a 1.5 % cash back on all purchases. Yesterday ( XXXX/XXXX/15 ) I saw a Capital One ad on TV stating that XXXX cards pay 2.0 % cash back. I called CapOne today and they said my card is stuck at 1.5 % and only new applicants for Spark cards get the higher rate. They refused to raise my cash back rate. The ad did not specify " new applicants '' ; it mere said XXXX cards deliver 2.0 % cash back. That is blatant false advertising.
Consumer complaint received 2023-01-18
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-06-19
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX re : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA XXXX, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but XXXX XXXX did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to XXXX XXXX, XXXX, and Experian on this date. XXXX XXXX, stated that they had performed an investigation on thi

s matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. XXXX XXXX and Experian, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both XXXX XXXX and XXXX  and Experian. 

XXXX  XXXX turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for XXXX XXXX. 


XXXX  XXXX, is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. XXXX XXXX and XXXX  are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if XXXX XXXX and XXXX  fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX XXXX : FTC Identity Report.