davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I rented a car in XXXX, Ro through Capital One Travel. I used my Capital One Master card. I showed up to pick it up on XX/XX/ at almost XXXX  The clerk asked for my driver licenses and a credit card. He very quickly asked me to initial and sign what looked like a car rental contract. I didn't realized there were already amounts printed on the contract. He proceeded to tell me that they charge XXXX a day for insurance. I told him that my insurance probably covers me but I would have to verify with my Insurance company. While we were having the conversation about the insurance cost I got a message on my phone from Capitalone that I was charged XXXX without my knowledge. I was very upset and told him that I would not rent the car any longer. He said no problem and asked me to write cancel by customer and sign on the contract and he also signed. I asked him to refund the XXXX. He said he would not do it and that I should contact Capitalone. He never mentioned that the fees were not refundable. At the time I didn't think it would be a good idea to push the matter since it was past midnight and I didn't feel safe. They were located about 10 minute drive from the airport in a comercial area and there was nobody around. Since I rented through Capitalone I assumed they would have my back. I went back to the airport and rented another car from one of the kiosks for XXXX for the same amount of time which included full covarge insurance. As soon as I got to my hotel I contacted Capitalone and reported the incident. They assured me they would take care of it and all I need to do is contest the charge online. Capital one credited my account the XXXX but did not make it available. On XX/XX/ Capitalone sent me an email telling me that the vendor showed proof that I accepted the charges and place the charge on my account again. They said to contact the vendor directly and resolve the situation. I called Capitalone again but got nowhere. They said since I signed the contract that I was deceived into signing there's nothing they can do. I contacted the vendor ( XXXX XXXX XXXX ) and asked them to refund me the money. They said they would not because I agreed to the charges. So at this point I have to pay for a car rental I never used, a bunch of fees for that car and insurance for a car I never used. This company is a scam and the only reason I used it is because I rented through Capitalone Travel and booked it on my Capitalone card and assumed I was working with a legitimate company. I'm very disappointed with Capitalone and look forward to paying them off and canceling my card.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE (MI)

I was paying a debt for a medical bill to a company that first bought this debt. When that attorney retired, they sold the debt to another company. When this company renewed the debt it was for an amount of {$5400.00} in XXXX of XXXX. As of today XX/XX/XXXX, they are saying that I owe {$5900.00}. I called them to find out why it went up, and I was told that there was a post judgement interest of {$860.00}. Talking with the court today my amount to pay shouId be around {$4500.00} and I was not suppose to have any interest on this account. They said they record all their calls and I have been told more than once that there is not any interest being added on. Now that they did add on interest they had no reason as to why. I called the courthouse that the original judgement was made and they do not have records back that far in that office as they were not being scanned in at that time. I do have a written dispute that I am sending to the said company about the interest. That is the only way they will do anything. I have paid religiously, never been late or anything like that. I just feel like they are scamming me for more money. This has been going on as I have had to call them numerous times since they bought this debt and say they have recordings of all the calls. I have requested transcripts of those also. I am just afraid they are going to charge me an arm and a leg for that also. Please let me know what I can do as I do not believe this is being handled correctly.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is information that on my consumer report that is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmWest Funding Corp. (CA)

Today date : XXXX XXXX XXXX 

I received a letter from AmWest Funding on XXXX XXXX XXXX, that we behind the payment since XXXX XXXX XXXX till XXXX XXXX XXXX in the total amount of {$24000.00}. 

I been have financial hardship to make this mortgage payment since my work is slow down and my husband has not been work fulltime since he has an operation and perform XXXX since last few months and has to take care my son XXXX XXXX with XXXX problems since last XXXX years. 

Please help with mortgage protection program. 

Thank you so much. 
XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have an XXXX credit card that was through XXXXXXXX XXXX I had updated my mailing addr with them several times. I had auto-payment set up for my bills so that they would never be late and wasn't a card that I used very often. I had e-statements turned on as I've had several issues with not getting mail. XXXX changed from XXXXXXXX XXXX to Capital One but I didn't receive that information from XXXX or Capital One. I'm not sure exactly when the switch occurred but looks like in XX/XX/XXXX. I found out in XX/XX/XXXX from my mortgage lender when they pulled my credit for a pre-approval letter. I previously had a score of over 800 and when it was pulled it was in the 620 range. I thought it was an error since I didn't even have a CapitalOne account and found out that it was my XXXX credit card. I never received any of the information on the switch or the new card and so it was never activated. I'm assuming the statements were returned as well as I never received them. They didn't transfer over my auto bill payment, didn't retain my e-statement preference, didn't try to call ( or text with a payment reminder ) and didn't try to email even though they had my cell phone number and email. They said that XXXX XXXX gave them a wrong mailing addr. Due to that, I was charged late fees each month ( XXXX, XXXX, XXXX ) and it was reported to the credit bureaus. Since I never received the information, there was no way for me to know that there were any payments that were late or any way to have even made the payments since I didn't know who held that card ( or that it changed ). After I found out what had happened ( XX/XX/XXXX ), I asked how to dispute it and was told that I'd have to wait to get a replacement card to get the acct number so that I could dispute it. It took them another month ( and several calls ) for me to receive a replacement card ( XX/XX/XXXX ). Their dispute process is done through the mail ( which is clearly not secure at all ) and requires a lot of sensitive information ( name, acct #, SSN, DOB, addr ) instead of using a secured server. They then couldn't even tell me if they received it for their review period of 30 days. XXXX XX/XX/XXXX, I receive their decision which was that they weren't going to do anything to remove the late fees ( other than XXXX, they did remove the late fee for XXXX ) and weren't going to remove the late payment information from their system or the credit bureaus ( which is what I need the most to buy a house ). They have access to look at my payment history with XXXXXXXX XXXX which is spotless and all of my other payment history is spotless as well. Hopefully when other companies do this type of switch, they would say who they are switching to and if you don't hear anything by a particular date to contact whomever and give contact information as XXXX didn't do that.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (CA)

Dear sir or madam, I recently did an investigation of my credit report and found 1 incorrect item on my credit report. 

The account XXXX XXXX last reported on XX/XX/XXXX does not belong to me. This account was opened fraudulently and was not authorized by me. I have not done any business with XXXX XXXX XXXX 

I have contacted XXXX XXXX on multiple occasions to report the fraud and have asked for them to stop contacting me regarding this account as it does not belong to me. The harassing calls all day/night never stopped and now this account is appearing on my credit report. 

I contacted them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have never done business with XXXX XXXX AND DID NOT OPEN UP THIS ACCOUNT WITH THEM. I would very much like to ensure my credit report is accurate .Please update me with a full report on your findings. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Consumer complaint received 2023-03-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (SC)

18 usc 8 obligation or other security of the united states. 
42 usc 408 penalties 15 usc 1602 definitions and rules of constrution 31 usc 5118 gold clauses and consent to sue 12 usc 1431 powers and duties of banks ucc 3-104 negotiable instrument HRJ 192 15 usc 16930-1 remittance transfers These are just a few of the many laws being violated by Freedom mortage. as a private consumer I have rights protected by the uniform commerical code. my wet ink signature created a consumer credit transaction, which paid the debt in full. freedom mortage sent deceptive communications pretending i owe a debt that does not exist every month.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (CT)

I was notified and confirmed my personal credit information was involved in Equifax data breach of XXXX. Upon review of my credit report, the following inquiries were discovered and not made by me. This is my second submission of FTC complaint and Equifax has taken no action to remove these inquiries from my credit report in violation of FCRA. I am submitting another complaint. 

These are fraudulent Inquiries 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 2023-03-01
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: Resurgent Capital Services L.P. (FL)

I have been trying to fix errors on my credit reports, and the companies have not been helpful. I have inquires that date back XXXX, XXXX XXXX that I have no knowledge of! I have requested help and even reached out to the creditors no help or any updates. 

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 There are also collections on my account the can not validate any information the credit companies XXXX XXXX and XXXX has not helped me with these matters XXXX XXXX XXXX {$2700.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$550.00} LVNV FUNDING {$490.00}
Consumer complaint received 2023-03-08
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. (WI)

I AM A VICTIM OF IDENITY THEFT, AND I DID NOT AUTHORIZE THOSE CHARGES XXXX- {$270.00}. 
XXXX XXXX XXXX- {$180.00}. 
XXXX XXXX XXXX- {$180.00}. 
XXXX XXXX XXXX- {$140.00}. 
XXXX XXXX XXXX XXXX  XXXX {$80.00}. 
XXXX XXXX XXXX XXXX  XXXX {$100.00}. 
XXXX XXXX XXXX- {$77.00}. 
XXXX XXXX XXXX XXXX XXXX  {$71.00}. 
XXXX XXXX XXXX {$70.00}.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NY)

As per my credit reports it states negative remarks for late payments dating 2020 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Due to Covid 19 Ive contact the company which is Bridgecrest to rectify the matter but to no avail.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax sent me results in response to my CFPB Complaint #, XXXX submitted on XX/XX/2023 : Description of Non Monetary Relief : Equifax reviewed the complaint, relevant documents and completed an investigation where applicable. 

Unfortunately, these accounts listed below have been on my report from at least the day I submitted the CFPB Complaint on XX/XX/2023 that Equifax stated in the results that the accounts did not currently appear on my Equifax Consumer file. 

The basis of my dispute is that I have a right to privacy Title 15 USC Section 602 and Section 604 states a consumer reporting agency can not furnish an account without my written instructions. 

I subscribe to more than one credit monitoring service and check annualcreditreport.com on a weekly basis which I can prove the accounts have been and still are reporting without my written instructions which is a violation of my privacy rights. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (GA)

I attempted to assume a lease with BMW financial services. I was required to submit a {$500.00} assumption fee. They had me waiting for 2 months and cancelled my assumption and are refusing to refund me my assumption fee. They said to give them the last XXXX of the card used but that transaction was made 2 months ago and I dont have that card anymore. They are being dishonest and wont give me my money back.
Consumer complaint received 2023-03-09
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. (WA)

I submitted a dispute with Experian on XX/XX/XXXX and requested a thorough investigation into a medical collection reported by XXXX XXXX XXXX  for {$370.00}. This collection does not belong to me. The dispute was submitted late on a XXXX  XX/XX/XXXX and the results were verified and updated by early XXXX  XX/XX/XXXX. Per the Experian site and the FCRA, credit bureaus are required to investigate thoroughly and it typically takes 30-45 days if Experian has to collect information from a third party. How was this collection thoroughly investigated from XXXX  XXXX  to XXXX  XXXX? It wasnt!! 

Furthermore, if Experian isnt willing to delete the false collection from my credit report, I demand to see all documents from their investigation process. Im certain they didnt investigate properly or they would have realized that collection is not mine They are having to delete any medical collections under {$500.00} this year anyway. Their failure to correctly investigate is only wasting everyones time *see below for the notifications from Experian which show the date submitted and the day results were available *also note their request for 30-45 days in other screenshot
Consumer complaint received 2023-03-09
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: ALLIANT CREDIT UNION (CA)

Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. 


I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : Alliant Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Health Corporation (KY)

I've reached out to this company several times to try to get validation of the claimed debt. I have no contract with this company I have never did any business of any kind with this company yet they are reporting this inaccurate information on my credit report with no validation or reason why see attached documents :
Consumer complaint received 2023-02-06
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. (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 and I am filing this complaint for falsely reporting misleading information.There is no XXXX  party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-19
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. (MD)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Late Payments on This Account to the Major Credit Bureaus Experian XXXX XXXX, XXXX XXXX Therefore It Also is Violating 15 USC 1681 a { 2 } { i ] Permissible Purposes of Consumer Reports .... " Transactions and Experiences are Excluded From Consumer Reports '' But this Account { XXXX  } is Reporting Late Payments Also This Account Has No Activity But Still is Reporting Open This Account Should Be Removed From All Bureaus Reporting This Erroneous Information ASAP
Consumer complaint received 2022-05-25
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. (GA)

15 U.S.C 1681e ( b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Accounts should be reporting 100 % accurate information across all XXXX credit Bureaus ( XXXX, Transunion and XXXX ).
Consumer complaint received 2023-01-07
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (CA)

This is my 3rd attempt to remove this debt collection from my credit report. 
XXXX XXXX XXXX has sold my XXXX collection to re-collectors, again and again. 

As stated on my credit report, my vehicle was repossessed in XX/XX/XXXX, and do not own a vehicle to date. 
I did not have XXXX insurance in XXXX, XXXX. XXXX, XXXX. 
Please make them provide original or copies of this XXXX policy. ACCT # XXXX I had Progressive Insurance in XXXX. This is a re-collection, sold to a debt collector, that was deleted for {$400.00}. 
Please make them stop this re-collection practice. Thank you kindly.