davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada) (NC)

Hello, In regards to the Allied Collection Service report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of XXXX reporting inaccurate information under my name and social security number. I went thru 5 years of having a XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. XXXX! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD!
Consumer complaint received 2022-03-23
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 (IL)

On XX/XX/XXXX of this year I hired XXXX XXXX XXXX to embroider shirts for me in which they shipped back 38 % of my order damaged when their terms & conditions claim not to be responsible for UP TO 3 % of spoilage ( which is an industry standard ). When I confronted them via email I was offered a discount on my next order or a reproduction to replace the damaged batch while stating there are no guarantees itll come out correct. I didnt get what I paid for nor resolution so I filed a chargeback with Capital One on XX/XX/XXXX. Capital One didnt ask me for proof, just took my word & filed the case which I thought was efficient. However, on XX/XX/XXXX, they closed my case after receiving the bare minimum of a rebuttal from the merchant & never reached out for me to provide proof for my case. I then called them & set up an opportunity to prove that the claim was valid with XXXX pages of documents, emails & pictures ( which I still have & can provide ) on XX/XX/XXXX. I was sent a notification the next day via email stating that they cant help me & to settle with merchant who already didnt offer me anything which is why I went the route of a chargeback to begin with. Capital One has been a nightmare for the last past months. Not only do they not tell you when your APR is set to kick in so they can steal hundreds from you, but their customer service is apathetic towards helping resolve those issues as well as major issues protecting cardholders from getting swindled as I did here. Ive had XXXX XXXX for years & never had an issue with them. I opened this card to use as a business card but am looking to clear it up & close it ASAP & keep my business at XXXX where customers are actually valued & protected. In summary, CapitalOne is a fraudulent company disguised as a legitimate credit provider.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX 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. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX  XXXX Balance Owed : {$95.00} ; XXXX  XXXX XXXX Balance Owed : {$21000.00}
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2022 I requested a limit increase on my Apple Card. I was denied because I did not cover a significant portion of my monthly balance. My credit utilization at the time was less than 15 %. I know this adverse action was unlawful was because I know my rights as a consumer that I can not be denied an extension for my own credit. This card is used to get me through school and pay for books and this is causing mental anguish. XXXX also provided them a copy of my credit report without my permission.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

Received text message from someone who claimed to be a representative from Wells Fargo. 
" It said Did you authorize a purchase through XXXX for {$3500.00}. And then it said type Y for Yes or N for No, '' My husband typed N and immediately called Wells Fargo bank while explaining the situation to a Wells Fargo rep we were receiving a phone call, we asked the rep if we should answer the call because it was a Wells Fargo customer service number and we even read the number back to her. The rep told us yes to answer the call. The person on the other end spoke exactly like a Wells Fargo employee. He told us our account had been hacked and explained how they were going to reverse the fraudulent transfer by having us send two transactions to ourselves. They said Im going to email you a number and youre going to read it back he then had us type in the recipient name in the XXXX app as ourselves and summit the transfer. I questioned him if this was truly Wells Fargo and he had me confirm the number on our debit card. When asking again he immediately hung up and the money was gone. Called Wells Fargo immediately back to file claim. Multiple claims have been filed with Wells Fargo all to be denied. Complaints submitted to Wells Fargo with no response until recently we received an apology letter. We have submitted a previous complaint with CFPB. Police report filled. Also have spoken with branch manger and banker that report they were working on claim and were trying to reach XXXX  XXXX XXXX. Today XX/XX/22 have reached out to local news station for assistance. There are several stories in regards to the same scam and individuals have been reimbursed and others not. How can this be justified when its the same scam?
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in 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 that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The Capital One charged yearly card fee of {$390.00} for Venture X credit card but didn't provide the service as advertised. It against false advertising laws.

The Priority Pass ( airport lounge membership ) should be included in the Venture x card. But when I paid the yearly fee and registered online, it said the card member is not available. The customer service said it will take XXXX weeks to be able to register. But XXXX weeks later, it's still not working. When I called Capital One, they said the partner system has issue and no time frame when it can be fixed. 

I am traveling in XXXX weeks and will need to pay out of pocket for the service, which should be included in my yearly card fee.

Capital One Venture X is totally a scam!
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer and want only true information about me reporting I have highlighted all the discrepancies. Pease remove these inaccuracy information as you are in violation. XXXX is reporting to Transunion a collection of {$1000.00} high balance, Account opened, XX/XX/. Account type- OPEN. Pay status- Account included in Bankruptcy. XXXX is not reporting this collection, neither is XXXX. having this info is a Bankruptcy violation.
Consumer complaint received 2021-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (FL)

On or about XX/XX/XXXX, a class action lawsuit settlement was announced by XXXX state attorneys general after a multistate investigation found Santander was engaging in subprime lending practices. Santander Consumer USA provided me with a car loan on or about { XX/XX/XXXX }. This car loan agreement contained unreasonable terms and was a product of unethical and dishonest business practices by Santander. 

Given these facts, I request that Santander : I. remove late-payment and repossession information from my credit report. 
II. forgive my repossession deficiency. 
III. notify debt buyer/collection Agency to cease debt collection activity against me ; and IV. notify debt buyer to return any monies collected from me. 

Other states have already ordered restitution from Santander to their affected constituents. I will give you 30 days from the date of this letter to provide the requested remedy or I will use all remedies available to me under the law to ensure that I am made whole. 

Thank you for your anticipated voluntary cooperation in this matter.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT OF PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON..
Consumer complaint received 2022-03-23
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: Experian Information Solutions Inc. (TX)

On XXXX I XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (TX)

On XXXX I XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-23
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. (TX)

in accordance with the Fair Credit Reporting act : XXXX account XXXX XXXX {$560.00}, XXXX XXXX XXXX account XXXX XXXX {$1700.00}, XXXX. XXXX XXXX Account # XXXX {$60.00}, XXXX XXXX XXXX XXXX account # XXXX {$130.00}, 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S (CA)

Hi this XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX ca XXXX Reference XXXX Suttell & hammer P.S. 
Call me XX/XX/XXXX He say I have debt collector in my name. 
I answer notI dont have I asked the last 4 numbers of the social he replied Wrong. last 4 number is not MachMine??
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IL)

I had a remaining balance due to AES that was consolidated with a loan I had with XXXX sent to a collections agency I was contacted by this collections agency XXXX XXXX, I paid XXXX to XXXX XXXX to pay these XXXX XXXX off. I spoke with XXXX XXXX at the company and they were to send documents to both loan holders that the loans are paid off. Only Illinois XXXX XXXX XXXX has remover the default from my credit and shows my payment paid. AES refuses to make any changes on my credit. And they still are trying to collect the same amount now from a different collection agency. This is ridiculous. My name is XXXX XXXX. My SS # is XXXX please help me clear this up with this loan causing problems with my credit scores I have paid this off and they refuse to allow me to pay off this loan. Yet will continue to report it delinquent.
Consumer complaint received 2022-03-23
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. (TN)

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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. (TN)

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX