davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

Ive submitted paperwork for this account several times. from what the company is saying the debt was opened in XX/XX/XXXX. Ive disputed it many times but they still reply with this debt is valid. A month ago I sent an validation letter to the credit bureaus. I did not get any validation of the debt, only a letter from the credit card company saying that they validated the debt but only listed my name and when the account was opened. No other information was given and none of the information I requested in the validation letter was given. 

Then I checked my credit report and saw that the account had been updated to paid in full but still no deletion either way. Then today XX/XX/XXXX I get a notification from my credit monitoring services showing that the same account has been transferred to a collection agency and is showing as a collection. As stated above Ive sent in FTC afidavit forms stating that Ive been a victim of identity theft, yet this company refuses to remove this account from my report. 


( Ive included documents from my credit report. It states at the bottom that the account transferred or sold, charged off, credit card ) it has said this statement since it appeared on my report
Consumer complaint received 2021-01-15
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. (GA)

XXXX  XXXX  is showing a late pay for 30 days and 60 days, for a vehicle i never had, and this account is not mine, im wanting to purchase some things and its hurting my chances, thanks in advance im requesting that this account be removed immediately. Its not mine, I am a victim of identity theft, I didn't sign for anything, I didn't purchase anything, I need it removed effective immediately, according to the the fair credit reporting act.
Consumer complaint received 2020-03-26
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had half a dozen Business Credit Cards in the past and have never had a problem with personal credit. I recently opened a Capital One Spark Business Credit Card for a business purchase and they reported my balance and information on my personal credit report. 

I understand that I am a personal guarantor of the credit card- like all business cards- but NONE of the other business cards have ever reported on my personal credit report. I have excellent credit 780+ and used the card for a business purchase of about {$10000.00} and my credit score dropped by 104-114 points. This PERSONAL credit report was not clearly disclosed. When I called Capital One they said it is in the terms and conditions. I checked and it is buried in there. It is NOT clearly highlighted that this will impact personal credit or report on personal credit. They are the ONLY company I have dealt with ( XXXX, XXXX, XXXX XXXX, others ) do not report this. This needs to be disclosed CLEARLY just like APR and other issues. This has now negatively impacted me and I NEVER would have opened this card if this had been disclosed clearly, which it was not, and was misleading. 

I read the entire website- NO WHERE is it mentioned that this will report on personal credit. I read the Terms and Conditions on the site, no where does it say that it will report on personal credit, which is a deviation from industry norms. https : //www.capitalone.com/small-business/credit-cards/spark-cash/ # disclosures
Consumer complaint received 2023-02-17
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. (NJ)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2020-04-11
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: ONEMAIN FINANCE CORPORATION (NJ)

I have tried to get funding and or credit from different sources online. They all say that they will do what is a soft pull. But then it turns out they make a hard inquiry and it has hurt my score. We are in the middle of a Pandemic here. I think it is unfair that my score is being dragged down because of unauthorized Inquiries.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I noticed that I had a repossession years ago that still remained on my credit. According to law the maximum amount of time this account can remain on my credit report is seven years. So I sent a dispute on Experians website requesting a removal. Upon reviewing results I was XXXX off because I noticed that experian said the account will still remain. They never looked into my concern Im requesting help.
Consumer complaint received 2021-07-31
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: SYNCHRONY FINANCIAL (IL)

his complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to 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, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (WA)

XX/XX/2020 received a bill from LJ Ross stating that " XXXX '' owed {$870.00} to XXXX XXXX in XXXX Michigan. 
XX/XX/2020 Sent a certified/ return receipt letter stating the charge is not mine, my legal name is XXXX , I have never lived in Michigan , I  have never had an account with XXXX XXXX and asking for amount of alleged debt, full name and mailing address of original creditor, documentation that they have verified that I am legally liable for this debt and a copy of that judgement and documentation showing that they are licensed to collect debt in Washington State. 
XX/XX/2020 - Letter was delivered to LJ Ross and signed for by XXXX XXXX XX/XX/2020 - Received a letter for LJ Ross stating that XXXX owed money to XXXX XXXX, a copy of an energy bill from XXXX Michigan and nothing proving their claim that I owe this debt
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (TN)

SageStream LLC reporting wrong information. No idea who this company even is. 
I got a letter from XXXX XXXX who i never applied to for a loan. I bought a car with another company. XXXX  sent me a letter denying credit of a loan because of Too many delinquencies and number of accounts with delinquency and more. Showed my credit score at XXXX. I have never had a delinquency and my scores with other companies are 700+. 
I have no idea where this company came from or who gave permission to look into my credit. I have only ever heard of 3 credit bureaus. 
How can i stop this company from tainting my credit I received the letter on XX/XX/2020 2020
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Tried to activate Capita One Credit Card year ago. Got XXXX  lady on the phone who asked me why I have accent and my legal status in this country. She probably did not get job in Board Protection Agency that's why she use her unwanted skills with me. I told her that it is not acceptable questions and requested to close account. Called Capital one 12 times every month because they were sending me a statements. Every time customer service told me that he is closing account but when I call them after receiving another statement again and card was active. I tired to call them and close account. I need confirmation of account closure from XXXX  Capital One.
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

XXXX I had loss of income do to XXXX, i than had a XXXX  XXXX that I could no longer afford, and I couldnt stay current on my current mortgage payments. my mortgage gave me a XXXX XXXX forbearance, however never disclosed all money would be due at time forbearance ended. I assumed it would go to the end of my loan. I have been attempting to get a loan modification since before XXXX of XXXX. Countless times Ive have been told told documents havent been received via fax or email uploaded pdf file. Even after speaking with numerous agents to locate things that were already sent the processor keeps asking for the same documents, or because so much time has passed now I have to resign and date documents. I call to check status and still notes of processor still asking for duplicate information. I have filed another XXXX XXXXXXXX trying to save my home the mortgage company has objected stating that it doesnt take a long period to complete a loss mitigation application with their company. However, I have documentation showing that Ive submitting these documents and yet my file is still incomplete. It seems as this department is in the business of helping owners lose the property instead of stay in them. How come the loss mitigation department is the same name as my lender, so I assume this isnt a third party company handling my application. However the lawyers for Dovenmuehle Mortgage seem not to know where I am in this process and cant see why my application has been completed to see what options are available to me. I am doing everything in my power to get them what they, need and yet I have no one to check with to make sure they are doing what is needed to be done so my family and I can stay in our home.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

multiple addresses reporting as mine but do not belong to me so some accounts have merged onto my account due to those addresses still on my credit reports I've asked and disputed multiple times with various credit reporting agencies and they never remove or delete addresses not belonging to me
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

i spoke with a representative XX/XX/XXXX a sr account manager she informed me my account was restricted on XX/XX/XXXX i was never informed by any representatives or statements that my account was actually closed and i no longer have or will ever have access to it. i was told previously when i made my first payment that i would eventually have access to my account but the representative couldnt give me an actual date because she said it was computer genrated so i went along with making my payment of XXXX which is an over payment because my statement only required me to pay XXXX for XX/XX/XXXX. when i called in with questions i am certain that representative seen my account was closed and i would never have access to it but instead of her giving me the option to pay on a closed account i was lied to and deceived into making a payment without my permission on a closed account, yet when i spoke with a representative i informed her that my credit report does not show my account as closed but your telling me that it is and she is telling now that its not closed its restricted but you can never have access to it but its not close ... which does not make sense ive been told so many stories and have spoken with 6 sr managers and no one is making sense to me
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (NC)

The following late payments are reporting inaccurately on my credit report in violation of Section 15 USC 1666b Section 15 USC 1681a ( 2 ) ( a ) ( i ) I would like these items REMOVED from my credit report XXXX acct # XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TX)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I dont have the dates. I read the article online about Wells Fargo and the lawsuit charging for over draft fees. It said if you didnt hear from them to call. I did call them this evening and I was told they know nothing about it.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

I opened a Checking account with this bank under a promotional offer under which I would receive a {$300.00} signup bonus as long as I completed the following requirements : 1 ) Make 10 debit card transactions within 90 days of opening acct.

2 ) Enroll in eStatements.

3 ) Open a new Savings acct. 

I met all of the above requirements and I was supposed to receive the {$300.00} signup bonus within 120 days. I never received the {$300.00} bonus.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

Keep sending me collection notices for a XXXX account that ins't mine. I have been part of a family pan for yeas and sent in the paperwork to the previous collections agency and was told was closed but is now back on my credit report.
Consumer complaint received 2020-03-26
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. (FL)

I just recently examined my credit report and have noticed some inaccurate accounts that are being reported on my credit report. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no knowledge of who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of gaining new credit. I am pleading for a reinvestigation into this matter and to have these derogatory accounts removed from my credit file.
Consumer complaint received 2022-09-15
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. (CA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} XXXX XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX. XXXX  XXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-12-28
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. (NC)

Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Consumer complaint received 2023-02-19
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. (TX)

I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim.

I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I don't have any late payments or any missed payments. Yet TransUnion and XXXX minus points off my credit score constantly. Recently one took XXXX points off my credit score and the other XXXX points off my credit score stating something about my XXXX 's charge which had been paid off XXXX before they took the points off. The amount on the XXXX 's XXXX wasn't even due let alone late or missed! What is going on? Ever since the pandemic started both National Credit Bureaus are crazy with constantly making up reasons to take points off my credit score. The credit bureaus are weaponizing my credit score against me for no reason. I have two charge cards at the moment XXXX 's and XXXX XXXX and both are paid off. How do I get the National Credit Bureaus from harassing and trying to intimidate me? What Federal Agency over sees the credit bureaus?
Consumer complaint received 2020-03-25
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: ALLY FINANCIAL INC. (NJ)

Today XX/XX/2020 I recieve a phone call from a Ally Financial representative ( see attachtment ), regarding my previous complain true the CFPB and stating that what they send me was a contract between my person and Ally Financial. 

I repeat once again : I am requesting original and direct signed contract between my person and Ally Financial Bank and signed agreement or contract between Ally Financial Bank and XXXX XXXX XXXX that shows for how much this account and all my Confidential Personal Information has been sold.