davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank is attempting to collect a debt I already paid and I provided Capital One Bank proof of payment more than once. In fact, Capital One Bank provided me a copy of my XX/XX/2020 Capital One Credit Card Statement which indicates a balance of {$0.00} dollars owed and a minimum payment due of {$0.00} dollars. My XX/XX/2020 Capital One Credit Card Statement indicates transactions in the amount of {$790.00}, even though no transactions were made by either myself or my wife during the immediate previous period. And in fact, we discontinued using the Capitol One Credit Card in XX/XX/2020. 

Finally, I have provided Capital One Bank a copy of my XXXX XXXX XXXX statement for the period of XX/XX/XXXX to XX/XX/2020, as proof of payment of the {$790.00} in transactions claimed. This amount was deducted by Capital One from my XXXX XXXX XXXX account on XX/XX/2020. In addition, I have already disputed any amounts Capital One Bank claims I may may owe at this time, plus and interest or late fees claimed. If an error was made, it was by Capital One Bank and not me. Without a detailed explanation, which is yet to be provided, I can not pay any amounts claimed by Capital One Bank. If an error was made by Capital One Bank in its accounting, I certainly should not pay any interest or late fees charges claimed as well.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am the author of this complaint and also the attachments included in this complaint I recently checked my credit report and I noticed numerous inaccurate and untheorized information on my credit report
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX should not be reporting to Equifax and XXXX  a chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time and the claim was paid in full. There is no outstanding balance due and therefore there is no collection/chargeoff to report. ( I have attached a copy of the check from XXXX for {$6100.00} dated XXXX along with a letter confirming the payment from XXXX XXXX dated XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

My account with Bank of America World MasterCard was supposed to be closed in XXXX. They never closed the account. The first time I called they put me on hold and and would not close the account. The next day ( XX/XX/XXXX ) when I tried to call and cancel the card I waited on hold for over 45 minutes and was transferred to 3 different people. This account was supposed to be closed years ago.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (OH)

This is the 3rd or 4th time this debt has shown up on my XXXX  report since XXXX of 2019. I've fought it, disputed it, tried police reports and it continues to get purchased by new debt collectors and resubmitted. Why am I paying for a monthly service to protect and monitor my credit ifXX/XX/XXXXcontinues to " deem the information as accurate '' when I have never lived in Louisiana? I have shown that I have lived here in Ohio my entire adult life yet somehow someone gets a hold of my information in Louisiana at XXXX XXXX somewhere in XXXX XXXX and they decide that it's " accurate ''???? Then when I speak withXX/XX/XXXX they leave notes about my previous complaint like they didn't do anything wrong? Its ridiculous and unacceptable that I continue to pay for a service yet I have to spend my time researching and fighting to clear my name when all they have to do is look at my billing addresses for the past 10 years and know it's not me.
Consumer complaint received 2021-01-08
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: Phoenix Financial Services LLC (TX)

The debt collection company Phoenix Financial Services has continued to harass me for a debt that I did not incur for some sort of emergency services. I have blocked over a dozen phone numbers over the past few months because they continuously called my husband and me. I thought it was a scam. Today I see that it has been placed on my credit report since last month. I have paid all my debts on time. I am in good stand with all my creditors. It does not make sense that I would choose to not pay XXXX. I want this company to stop harassing me and remove this from my credit report immediately.
Consumer complaint received 2024-03-22
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. (WA)

I recently pulled my credit report and noticed some fraudulent accounts on it along with hard inquiries ( XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Pleas remove these fraudulent accounts and hard inquiries from my credit report they are hurting my ability to obtain credit.
Consumer complaint received 2023-05-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

( 1 ) On XX/XX/2020, they mailed me a letter ( a copy is attached ) " to ensure [ I ] received a payment check for {$210.00}, as [ their ] records indicate the check has not been cashed ''.

( 2 ) I called them around XXXX XXXX  on XX/XX/2020 and informed them that I have not received the money. I was told that I would received the check within 30 days. However, I did not receive anything ( 3 ) I called them on XX/XX/2020 around XXXX XXXX and they insisted that my check was cashed. This is completely false/lie and I swear that I did not get the check. I asked them for a proof and they told me that they would send it by mail. However, I did not receive anything. I filed a fraud report and they gave me a case # : XXXX. I am supposed to get back from them and I never heard anything back. I feel that they are just wasting my time and want me to get sick and forget. However, this is completely unfair and I believe it is important that my story is published online and people know about it.
Consumer complaint received 2021-01-08
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 (MD)

On XX/XX/2020, I was charged {$350.00} that I didn't make on my Capital One credit card. When I saw the charge got posted to my account, I immediately disputed the charge with Capital One where they said they will open an investigation and give me a credit for the amount in the time being. On XX/XX/2020, I received a letter saying that their investigation concludes there was no indication of fraud and the charge will be added back to my account. I called Capital One and spoke with them for over an hour telling them that I did not make that transaction at all and I shouldn't have to pay for something I didn't make. They told me that unfortunately their hands are tied and can't do anything about it. 

I was in XXXX for the holidays at the time and I was putting gas in on my last day to re-fill the gas tank of my rental car. When it was time to pay, I handed the worker my credit card where he got possession of my card and went somewhere where I couldn't see him. I believe it was at that time where the worker charged me for that {$350.00} without me knowing.
Consumer complaint received 2022-10-21
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Balance {$4600.00} XX/XX/XXXX Inquired on XX/XX/2020 XX/XX/XXXX Inquired on XX/XX/2020XX/XX/XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XX/XX/XXXXnquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 2020
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX 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 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

On XXXX XXXX 2024 an individual purporting to be a bail bondsman called my friend and requested bond money via cash app for a family member. My account was used to send {$270.00}. It was a scam, However, I was able to trace the account utilizing data from their Cash App account as well as other publicly available information to a XXXX XXXX in Ohio that recently served time in XXXX XXXX for XXXX  XXXX XXXX  of XXXX and XXXX XXXX of XXXX in XXXX XXXX Missouri. I notified cash app and offered to send all my supporting documentation and asked them to claw the money back and freeze the offenders account. They have refused and still allow this person with multiple XXXX to utilize their app to commit fraud. Cash-App and XXXX XXXX apparently are allowed to disregard all AML/BSA/KYC rules that every other financial institution must abide by. Their business model is to make money by facilitating fraud, and it should be stopped.
Consumer complaint received 2021-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ONY GLO, INC. (CA)

We fell behind on our mortgage, we received letters from our lender, we filed modification docs. Lender replied we didn't qualify. We contacted XXXX XXXX XXXX XXXX to file a chapter XXXX bankruptcy. we met with XXXX XXXX and explained our hardships and situation regarding health I got an XX/XX/XXXXmy wife recovering from XXXX, diagnosed with clinical XXXX we both lost our jobs. we could only pay 75 % of the retainer fee. XXXX XXXX agreed and replied no worries your in good hands and well get the court to pay the rest. our home was set for sale on XX/XX/XXXX. we hired XXXXXX/XX/XXXX in XXXX. we signed the retainer and where relieved, the explanation given was the courts will lend you the money to pay lender and then you pay the courts. Time passed we kept asking what he needed from us he would reply not to worry hes taking care of it we have plenty of time. we kept asking for court docs. he kept saying not to worry. Well our house was sold on XXXX XXXX, XXXX. We spoke to XXXX to fix it. Nothing it is what it is he replied. Then he has the nerve to say that he could help recover the surplus funds. And wanted us to sign a retainer. We hired a lawyer to stop eviction and to file wrongful foreclosure suit and we have until the XXXX of XXXX XXXX to get out and the lawyer did not do as requested to give notice of a lawsuit pending. And we can't find the lawyer fir the lawsuit they don't answer our call texts or emails. And to top it off we where diagnosed with XXXX, and the judge gave the order to evict by lockout. On a good note I've been doing my research and found that we have a lot of forged documents from our mortgage loan. and realtor agent. And I m looking at the court docs. For they look like they are too. We are at the mercy of human kindness at this point because we are going to be homeless myself and my wife and my XXXX children. Some help please.
Consumer complaint received 2023-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

In accordance with the fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b 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 2021-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed these accounts that are affecting me and I still have no response, I also have inquiries from 2018 and other unauthorized ones.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

These were a corporate accounts and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The Experian, XXXX and XXXX Credit bureaus are willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove these fraudulent accounts immediately. 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 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 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 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