davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I lost {$5000.00} dollars to a scammer who said she was stockbroker and will invest my money in bitcoins and I will make profit but it turned out to be scam. My bank isnt helping me either. My financial institution is Bank of America. I want my money back.
Consumer complaint received 2020-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was hospitalized in XX/XX/XXXX causing my to lose income for over a month. I received an email from Capital One saying I could defer 2 payments to the end of my loan. When I called to do this, I was told that I was not able to, and because I can not pay by checks that I could not get on a payment arrangement. I then filed a complaint with CFPB and waited for information from XXXX at Capital one, meanwhile while waiting for someone to help me, I was reported to credit reports and given an answer that didn't make any sense. I was told that I deferred a payment XXXX XXXX, and that I can pay by debit card.
Consumer complaint received 2020-01-15
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. (GA)

There are several items that are inaccurately reporting on my credit report. I have notified the credit agencies of these errors and they have not fix these errors. Please assist me in getting these errors removed. These credit agencies are intentionally disregarding the FCRA. 

XXXX is inaccurately reporting that i was 30 days late in XX/XX/XXXX. This is not accurate information. I have asked XXXX for proof of these lates and I have not received any documentation of this late. So how did you receive documentation and i have not. 

XXXXs is inaccurately reporting that I was 30 days late in XX/XX/XXXX. This is not accurate information. 

Transunion is inaccurately reporting that XXXX XXXX was 30 days late in XX/XX/XXXX. This is not accurate information. 

ACCOUNTS AS A RESULT OF IDENTITY THEFT : EQUIFAX is reporting an UNKNOWN COLLECTION ACCOUNT - that was opened on XX/XX/XXXX with a balance of {$100.00} ; this is not my account. Please remove this account from my credit report. 

UNKNOWN COLLECTION ACCOUNT - that as opened on XX/XX/XXXX with a balance of {$0.00} ; this is not my account. Please remove this account from my credit report. 


Please remove these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One XX/XX/XXXX Attn : General correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Dear Sir, I opened the Capital One Venture card in XX/XX/XXXX. Because of the accumulating mileage service, I tried to use the card in every opportunity and I accumulated XXXX miles. I hooked up my bank account and I paid all the amount owed, however, there was 2 times when my bank did not have enough funds. On the same day, I deposited fund to my bank account and paid the balance. I was never late for the amount due, but the Capital One decided to close my account without my authorization. I called the bank asking for the reason for the closure. They said that its because I had not enough funds for twice which is ridiculous since I was never late for the payment. I was trying to pay off as much as possible to avoid the interest. 
In my opinion, they closed my account since I am not paying any interest. This is the clear violations of the business policy and also trying to rip off customers. Even if its their policy, the mileage which I accumulated should be honored.
Consumer complaint received 2022-12-13
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)

Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to XXXX XXXX standards.Accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (GA)

I've been attempting to get this collection agency to properly report my debt for over 3 years. It has finally reached its time to be deleted off of my credit report and the statute of limitations has run out on the debt. This company keeps putting any date they want as the original date of collection or date opened. The date of collection or first date or delinquency should have been around XX/XX/XXXX. The original debtor was XXXX XXXX, they then sent it to collections with Hillcrest Davidson ( acct # XXXX ) and in XX/XX/XXXX it was deleted from my credit file under that collectors name. However, it had already apparently been to another collection agency called XXXX XXXX, they then increased the amount owed and changed the date of original delinquency/placed for collection date. Over the course of several months that have turned into years XXXX XXXX kept reinserting/re-aging my original date. In XX/XX/XXXX I disputed again, and the file was removed as it was supposed to be and it was either time for deletion automatically due to it expiring or because the reporting was erroneous. Then on Sunday, XX/XX/XXXX I got an alert on all of my credit bureau reports that a new collection was added ; it was this same collection again but under a new LLC name that is the same person, address,, etc of XXXX XXXX but he has sold the file to himself and other LLC name and he is still trying to state the original collection date as XX/XX/XXXX in an ILLEGAL attempt to re age my file. I opened a dispute with XXXX  who I do not believe even looked at my information to see the company keeps just changing names and dates on my credit report every few months to fit whatever need so it can put it back on my report or re age it so it can stay longer.I am again asking for help and that someone address this company and their illegal practices, I would like to even move forward with filing a complaint and pursing my rights to sue for damages and receive the funds from the fines they should be imposed. I have more than enough supporting documentation to show these illegal re-aging practices this company is doing. They are committing clear violations of the Fair Debt Collection Practices Act and violating statute of limitations. I am also submitting the original letters I have been sending over the last few years. If I can not get this resolved I will be seeking counsel and then I will be seeking attorney fees, statutory damages and actual damages. This is my third attempt with submitting a complaint to you all with no resolution for different reasons ... FYI ... XXXX XXXX XXXX is XXXX XXXX, they are the same company, same owner, same address, same phone number, etc. I have checked with the secretary of state.
Consumer complaint received 2022-11-12
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. (NJ)

I Was A Victim Of Stolen Identity And In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting.

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.

In addition based upon USC 15 1681 ( c ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt. It has been beyond 30 days and I would like this false information removed because it is inaccurate and causing financial damages. 

This does not comply with the subchapters of the FCRA ( Fair Credit Reporting Act )
Consumer complaint received 2022-11-12
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

My loan was acquired by NewRez in XXXX of XXXX. They have not paid my property taxes and they were due in XX/XX/XXXX. I keep calling but get conflicting information. Some cust. serv. reps say it has been escalated ... some others say the payment has been paid ... now I am being told to write a letter and that there are no managers with whom to speak. At times I get hung up on ( happened twice ). 

I've confirmed with the City of XXXX that payment has not been received as of today, XX/XX/XXXX. They are going to auction off my property if it is not paid by XX/XX/XXXX. I have a tenant with small children and NewRez refuses to help me now.
Consumer complaint received 2018-03-05
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: Weinberg Mediation Group LLC (OH)

Left a VM. My husband called them back. They never disclosed that they were a debt collector but rather asked my husband to verify the last 4 of my social or DOB. He gave them my DOB. Gentleman went on to say that a complaint was filed with the XXXX court ( there's no complaint at the XXXX court ) and that this could be resolved quickly over the phone or they'd take further collection action ... implying filing a law suit. He claimed that I owed a debt to XXXX XXXX XXXX XXXXXXXX for a line of credit. I haven't had a line of credit for over 10 years anywhere.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX submitting this complaint against Transunion, LLC and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX XXXX. ( EST ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within 3 business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires, potentially negative accounts & late payments as well.
Consumer complaint received 2020-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

I submitted my 1st complaint with Ability Recovery Services (  XXXX ) asking for VALIDATION as I'm entitled to. They stated in their response that they sent me itemized bills, which does not qualify as VALIDATION per the FCRA. I then submitted complaint number 2 ( XXXX ) letting them know that the itemized information they sent me does not qualify as validation and per the Federal laws concerning the FCRA, they are supposed to send me information bearing my signature that proves that I am the one that owe the alleged debt. This erroneous reported information has negatively affected my credit score and my inability to purchase a home. It has been over 30  days since I submitted complaint number 2 and Ability Recovery Services stated they would send me proof of VALIDATION. They have not done this and because of that, by law they have to delete all negative reporting accounts from all credit reporting agencies. If this goes unanswered, I will be contacting the XXXX   and my attorney is on standby to get involved. I can no longer have items that do not belong to me reporting negatively affecting me. Below is a link to the federal laws concerning the FCRA. 


https : //www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
Consumer complaint received 2020-01-15
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: CORELOGIC INC (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2020-03-09
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. (CA)

On XX/XX/2020, I was applying online for a home equity line of credit with XXXX XXXX. I authorized the review of our XXXX XXXX XXXX XXXX XXXX account. I received a number of emails from the credit union that an unrecognized computer had logged into our account ( 10 times ). 
I contacted the credit union and they provided a name and IP address of the company that logged in ( XXXX XXXX, XXXX ). Apparently XXXX XXXX merged with XXXX XXXX and is now XXXX. XXXX operates data centers. The credit union stated that no funds were accessed or transferred. 
I contacted the XXXX XXXX representative who said that XXXX XXXX does not work with XXXX. 
After several attempts ( online request on web site and phone ), I telephoned XXXX on XX/XX/2020 ( XXXX ). The representative in the Tech Support dept. confirmed that his company hosts data centers and said that the IP address that I provided could be one of their customers. He said he would file a request with the customer and ask that the customer contact me regarding the issue. 
On XX/XX/2020 I received a phone call from a representative of XXXX  ( XXXX ). The representative said he was responding to XXXX  's request. I explained the issue regarding the multiple logins to our credit union account and requested an explanation. The representative stated he would look into it and call me back. As of today, XX/XX/2020, I have not received a response. 
I did some research and discovered XXXX works with Experian. 
I recontacted the XXXX XXXX representative who said he did not recognize XXXX as a company XXXX XXXX has a relationship with.
Consumer complaint received 2020-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX, i initiated a outgoing wire of {$800.00} from my XXXX XXXX account to fund my brokerage XXXX XXXX XXXX XXXX. Prior to this, i had already successfully completed a wire which was accepted within 2days. So it is completely absurd that a following wire would be halted if the first one went through with no issues. Currently, my wire is being held since its original send date with an expectancy of XX/XX/XXXX ( well over ). The supposed issue is that Wells fargo, the intermediary bank, is requesting additional details, all of which i have provided in the utmost timely matter, only to be strung in circles and given basic company runaround. The issue i believe is the name on my XXXX XXXX account WAS NOT FULLY UPDATED BY XXXX. Meaning, I stepped into a branch give info on current name ( mid XXXX ) and the branch updated one of my accounts for online banking and my statements, however for some reason?!? not my 2nd account which i had sent the wire on. My name is updated for online  banking ( XXXX website ), however my statements reflect my old name which is completely on XXXX. I did not realize this until i had been given This extreme wait for a small wire, completely unacceptable. XXXX has provided wells fargo all of the details which they have asked, however Wells fargo has taken their sweet time in reviewing this ( for possible compliance issues ) and i feel as though I am being treated like a criminal and having to wait 2+ weeks on a small wire for an issue that is completely upon XXXX/Wells Fargo.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (WA)

My account was opened on XX/XX/XXXX with an opening balance of {$5200.00}. To ensure timely payment, I submitted my first payment on XX/XX/XXXX, with automatic recurring payments set up through my credit unions bill pay system starting on XX/XX/XXXX. In XXXX, just before my next payment was set to be sent, my credit union switched to a new bill pay provider. The XXXX payment was missed in the transition. When TD Bank notified me of the situation, I made an extra payment on XX/XX/XXXX, after the XXXX automatic payment was made. Through the statements sent to me by TD, they never indicated that my payment needed to be increased for a {$29.00} late fee incurred through the XXXX missed payment. Subsequent bills also never showed a change in minimum payment due. However, buried in the details, and never mentioned on the front page of the bills, was a chain of late fees for not paying the original fee. By the time this was discovered, the late fees have amassed to a total of {$270.00} ( over 5 % of the original loan ). Had this been disclosed with the original missed payment in XXXX, I would have paid the fee immediately. Through calls with TD Bank, they kept saying the fees were for missed payments. Every time I spoke with a representative they would give me a date for a payment that was missed, and I would go into my online banking system with my credit union and tell them exactly when that payment was delivered, and the tracking number for the payment. In a call with TD on XX/XX/XXXX I spoke with an agent named XXXX who hung up on me. After calling back in I spoke with XXXX ( XXXX # XXXX ). She informed me that standard agents are not able to see the details on the account, and that I needed to call a special Customer Service line to speak with someone that had access to review account history. I spoke with XXXX, who agreed to send me a comprehensive listing of charges, payments, and fees. I feel this practice is deceptive, and needs to change.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: DriveTime (GA)

DRIVETIME where is my written permisson? Please provide me a copy of my written instructions to obtain my consumer report on XXXX. I never gave consent electronically either, that will not suffice only my written permisson is allowed to pull my credit report. Drivetime you did not have my written permissible purpose ( keyword " written '' ). Drivetime please provide me once again my written instructions. Drivetime you also have not contacted me and I have not received any correspondences from Drivetime aside from CFPB. The proper way of communication is via mail and I have not received any communication via mail. I would like for you send me my written instructions. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f )