davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Have sent multiple letters to all 3 credit bureaus to correct errors on credit report. Capital One Auto Finance charged off/collection account not only has a past due balance but it also shows a balance owed which is HIGHER than the high balance, an incorrect date of last activity, and it still reporting monthly charge off as payment history. This account has multiple violations according to FCRA so I disputed this information with Capital One and bureaus requesting for immediately removal from all reports. The bureaus instead opted keep the information the same without providing method of verification. This willful act is a clear violation of federal law on all parties side and needs to be resolved immediately as it is negatively affected my credit.
Consumer complaint received 2021-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

On my report there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC (VA)

I took out 6 different student loans with XXXX XXXX XXXX XXXX while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the 6 different private student loans ( serviced by AES ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were Direct to Consumer loans. I am now being sued in XXXX XXXX XXXX XXXX by National Collegiate Trust for each of the 6 private student loans.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

I have 9 fraudulent accounts showing on my credit report that I believe are the result of identity theft. I had a recent tenant screening report pulled on me through XX/XX/XXXX and that's when I was notified of several accounts in collections. All of these accounts were sent to an address that was not mine in Florida where I do not live. I have lived in XXXX Hawaii since XX/XX/2006. I notified each collection acct by letter that they were not mine and to send me proof. They replied to me by mail after 45 days and none of them deleted the fraudulent accounts or sent me proof of who opened the accounts in my name. I filed disputes with all the accounts with XX/XX/XXXX. And again all the accounts were confirmed as accurate. I also disputed a fraudulent address that was listed on my report in Florida. I was asked to send them an identity theft report rgd the address which I did. I called to follow up and they still havent removed the address. ( XXXX XXXX XXXX XXXX Fl XXXX ) I have placed a fraud alert on my credit report with XX/XX/XXXX. Below is a list of the fraudulent accounts on my credit report showing as collections that are not mine. 

Portfolio Recovery Associates # XXXX {$650.00} Portfolio Recovery Associates # XXXX {$2700.00} Portfolio Recovery Associates # XXXX {$620.00} Portfolio Recovery Associates # XXXX {$2000.00} Portfolio Recovery Associates # XXXX {$2400.00} Portfolio Recovery Associates # XXXX {$810.00} Portfolio Recovery Associates # XXXX {$600.00} XXXX XXXX # XXXX {$1800.00} XXXX  # XXXX {$1000.00}
Consumer complaint received 2021-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX, XXXX XXXX and CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC (CA)

Fay Servecing says I need to keep a balance on the defer payment and I can not pay off completely. This prevented me from refinancing and taking advantage of the low interest rates a few years back and now its preventing me from getting access to the homes equity. 

Several lenders I talked to say that they need to let me pay it off in order to apply for the loans. 

In addition Fay Servicing takes 7 days from the day I set the payments to be made to processed adding extra days of interest. On top of this, their auto payment system missed processing my payments several times causing me to be late, which affected my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2022-06-03
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. (GA)

I submitted a dispute letter to XXXX, XXXX and Experian XX/XX/2022 in regards to items reporting inaccurately on my report. It has been well over 30 days and I havent received an update on this investigation. The credit reporting agencies are not complying with their own policies in a timely manner
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2021-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (WA)

On XX/XX/2020 I sent XXXX udst tether to coinbase. My money is now being held and coinbase is refusing to release my funds.Tether has emailed me to say they are capable of helping recover my funds but coinbase refuses to cooperate. I cant see my funds sitting on the wallet on my coinbase account.I havent received any communication despite sending several emails. This was my entire life savings and I cant stress enough how this has effected my mental health.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

On the morning of XX/XX/2021 I noticed my account was overdrawn. Wells Fargo charge me an overdraft fee of {$35.00} even though the balance was available to cover the transaction. 

Order of events : XX/XX/2021, beginning day balance was {$380.00}. 
Two transactions posted ( {$300.00} and {$41.00} ) leaving the posted end of day balance of {$46.00}. 
I was then charged an overdraft fee of {$35.00} for the {$300.00} transactions. 
Leaving the balance of {$11.00} with two PENDING transactions ( {$70.00} and {$38.00} XXXX to be posted the night of XX/XX/2021. 

I reached out to Wells Fargo and was told that fees are charged based on authorizations XXXX and is something they can only see internally XXXX. Consumers are only able to manage their account based on information provided on the app or online. Wells Fargo is charging overdraft fees based on information only they can see and is unfair to consumer because it does not allow time to correct the overdraft. Fees should only be charge on posted transactions that overdraw the account, not authorization that are only privilege to Wells Fargo to see. A consumer can not properly manage their account based on these underhanded practices.
Consumer complaint received 2023-07-24
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. (KS)

Dear Consumer Financial Protection Bureau, I am writing to inform you that I have already contacted XXXX, Equifax, and XXXX regarding the charge-off accounts that are persistently appearing on my credit report. According to the 15 USC 1601 of the Fair Credit Reporting Act ( FCRA ), these accounts violate my rights. I kindly request your assistance in ensuring that these accounts are removed from my credit report to rectify the situation. Your attention to this matter is greatly appreciated. Thank you.
Consumer complaint received 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2020 I sent a certified letter to transunion stating that these inquiries that are on my credit report are fraudulent inwhich i did not authorize them. 
XX/XX/2020 Transunion completed in investigation and stated that these inquiries were accurate even though there is a fraudulent activity alert on my profile
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

I borrowed {$9000.00} form Oportun on XX/XX/20. As I used this company Several times and always paid my bills on time.so on XX/XX/20 I walk in the office and pay the remaining balance in full in the amount {$8800.00} and the employee name and time my Receipt number is XXXX the young XXXX Employee # XXXX Stated that she owes me {$7.00} back but would have to be mail to me which was odd However they keep Harassing wont take this off my credit report and now my credit report says Im very Delinquent because of this situation and I want it off and fixed on my credit report I talk to 7 different employees on Multiple occasion have all times and dates Ive walked back into the office to scan my Receipt more than once I got the name of the employees who said I paid this loan off already but Oportun/ progresso. FI. XXXX seems to keep Harassing me and calling me Ive tried everything to fix this problem which is tiring because Ive paid my bill have my Receipt employees looked at my receipt and said the same thing so why is there Corporate office giving me a hard time I just want this off my credit reportI and saying I paid in full Dont no where else to turn. Not to mention they tampered with my paperwork 3 days after I make a payment without my permission or Knowledge so if you can please help me
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CO)

I received in the mail a debit card attached to an account at the Chase Bank. I did not apply for or request this card and I did not have an account at the bank. on XX/XX/2020 I called the bank and had the account closed and the debit card closed. I then spoke to a person in the XXXX department who told me unless I gave them my personal data they would not investigate the incident and declare it a XXXX. They also told me I need to make a police report - which I will anyway or else they would not investigate the incident.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (KS)

I was hoping this would work its self out but it just seems to be getting worse. Netspend/westernunion/XXXX XXXX, I literally have 12 prepaid cards now from them, they wont stop sending them and combining them with other accounts and cancelling them this is getting ridiculous. I'm supose to have been getting my stimulus check on their and I have no idea if thats happened now or if it was rejected because they closed they account or had a block on it. All my accounts were blocked for 2days, I had them all unblocked just to see they were all blocked again. After I just took this screen shot to upload with this letter, I know longer have access to my account again they just locked them all again.
Consumer complaint received 2021-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

United Revenue Copr. is reporting seven accounts to my credit report and have refused multiple requests asking them to validate these accounts with proper documents. They stated that they are " classifying your continued vague disputes as frivolous attempts to dispute information you know to be accurate. '' I am allowed to request and receive these documents. They have not provided any documents that allow me to verify if this is my debt or not. I specifically requested to see my signature but they ignored my request. Several of these accounts have the same medical provider listed and the exact same dollar amount listed.. They did not send me any documents from the source of the alleged debt. They simply typed a date, doctor name, an exam number, and dollar amount below their reply to my request. By them refusing to provide the information I requested I am unable to determine if these accounts are mine or not. 
1st account : XX/XX/XXXX {$630.00} 2nd account : XX/XX/XXXX {$730.00} 3rd account:XXXX {$730.00} 4th account:XXXX {$730.00} 5th account:XXXX {$840.00} 6th account:XXXX {$480.00} 7th account : XX/XX/XXXX {$480.00}
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Original creditor : XXXX XXXX XXXX XXXX FOR {$1000.00}??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please 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, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-12-31
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. (FL)

Please remove these accounts as they are fraud, - to confirm that I am attaching Police Report in the files. These accounts are not mine and please take a look at my police report and remove them from my credit report as soon as possible.