davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax/XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX 'S XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX B-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXC-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX HERITVOLKS-Date of inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXT-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20 I saw a large charge that was not ours. I immediately called bank of America and reported it and filed a claim for that days charge plus 4 other smaller charges that I found from past week. 
XX/XX/XXXX {$47.00} XXXX XXXX XX/XX/XXXX {$42.00} XXXX XXXX XX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$37.00} XX/XX/XXXX {$1000.00} I explained to them I had taken the card and put it in my kitchen drawer ( chip was loose ) The only explanation I can come up with is we had some workers over little over a week prior to XX/XX/XXXX and must have taken my card Bank of America denied my claim saying that i failed to report it lost or stolen. My card was not lost or stolen to the best of my knowledge it was in my kitchen drawer! The day I saw the charge for {$1000.00}, I immediately called b of a and filed a claim. I appealed the decision to deny this claim and they denied my appeal. I was never successful in speaking to a manager despite trying several times. I am at a loss on how to get refunded what was stolen from me?
Consumer complaint received 2023-02-06
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: Resurgent Capital Services L.P. (MA)

This is regarding the Capital One Collections Account Reporting as OPEN with a Past Due balance of {$1400.00}. 

On XX/XX/2023 I sent a certified mail requesting this account be removed off my credit report. Since then the account has been updated to meets FCRA requirments. This is false for more than 1 reason. This account has been charged off. IRS defines charge offs as income, income CAN NOT be reported on a consumer report. I never received tax information regarding this account. I have disputed this account several times.

This account is still reporting as a open account which is a direct violation as well! All three agencies are still reporting KNOWINGLY and WILLINGLY against my rights. Violating XXXX Compliant Reporting Standards, also violating 15 USC 1681 2 ( a ) ( 1 ) ( a ).

The Fair Credit Reporting Act states that I have a right to fair and accurate credit report, you are required to remove any information that is not true, accurate, compliant, and verifiable I DEMAND that this account is removed.
Consumer complaint received 2022-02-24
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (FL)

As for credit reporting, apparently only XXXX has reported XXXX debts : XXXX XXXX  XXXX which is the original creditor in the amount of {$1300.00} and XXXX XXXX XXXX  XXXX A which is the original creditor for the amount {$1200.00}. However, XXXX XXXX XXXX have established that they now have authorized, active collection authority for XXXX. 
Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. XXXX XXXX XXXX is has settled with XXXX XXXX XXXX for these two accounts and being paid every month until paid in full. 

I have on numerous occasions disputed this and nothing has been done. I also have a collection that has been paid off and still showing on the credit report as high impact. Please delete this account. It has been satisfied. 

At this time whatever credit that I had is currently under the auspices of XXXX XXXX XXXX XXXX which is a debt collection company, that settles your outstanding debt and is being paid monthly. Thank you/
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (TX)

Equifax isnt fixing my credit report after I send in important documents to have XXXX accounts blocked and they are still showing on my credit file in my name which are XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are fraudulent
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

Lexington Law has not produced any credit repair corrections since approximately XXXX. Even very simple ones ( a mortgage that was not foreclosed, but is marked foreclosed ) has not been challenged or corrected. Despite this, they have charged me every month for " credit repair '', yet no credit reparations have occurred since XXXX. Furthermore, they closed my account for " non payment '', even though the payment is shown in my transaction history and on my credit card statement. I made an inquiry on my " case progress '', but they refused to provide service because the account was " closed '' when it up to date and in good standing.
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC (TX)

I requested that this company remove the fraud account from my credit report. They have reply by staying they have no knowledge of the account I have enclosed a copy of my credit report. 
I Have enclosed a copy of my Credit report identity theft report the letter I sent to this copy certified back in XXXX asking them to remove this account and the certified mail receipt staying they got it.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I was notified by the credit reporting agency that I was over my credit card limit by {$650.00} and I hadn't used my card. I called because I thought there was fraud on my card. I was told that my deferred interest was added but I was never notified prior to this happening. I immediately paid the interest and was reassured by customer service that it was an error and my credit would be fine. I pulled my XXXX XXXX and XXXX   reports and it all shows that I went over my credit limit by {$610.00} which is incorrect. They are in violation of the FCRA and I want my credit limit and highest balance to show {$3000.00} like it is supposed to not that my highest balance was {$3600.00}.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Once again I was out rage with Wells Fargo and them telling lies and slandering me to the CFPB in their response about case number ( XXXX ). They say they have not been able to get in touch with me when in fact I have talked to two of their representatives, XXXX XXXX I spoke with her over the phone on XXXX XXXX late morning, she had left me a voicemail on the XXXX at XXXX at XXXX, so I returned her phone call the next morning., And in fact on that very day I spoke to her twice because I forgot to tell her something and I called her back again. Then on XXXX XXXX around about XXXX or so I received a phone call from XXXX XXXX and she said she would be replacing the above person that I just spoke about. So I have been talking to their representatives all along. The representatives then said that they were told to call immediately and was giving no other information so the information that I share with them was the first that they had heard of it. The problem is with both of these ladies that called they were ready to do the modification based on the old appraisal with the incorrect square footage measurement which causes the incorrect value of the property. I explained to them that in doing this it would make the house unaffordable for me. They are still calling during the evening hours they called on XXXX XXXX at XXXX after I have asked him numerous times to call XXXX the XXXX hours when I am available. I was promised a phone call from XXXX XXXX in the XXXX I waited around as long as I could yesterday XXXX XXXX and of course she never called back. I have no problem with them needing more time, but slander and lies have to stop, I 'm not sure why this continues to happen, it is continuing to further XXXX and worry me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

Hello and good evening! I was shocked when I reviewed my credit report and found that you still reporting that alleged XXXX collection under my credit report. I've contacted both the Convergent Outsourcing collection company and the original creditor and sent them several letters demanding proof of this so-called debt that I owed them. I keep getting pre-printed templates with the transaction of the calls, but not the documents that i've asked for. Again, 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.
Consumer complaint received 2024-02-04
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (AL)

I was given this card as a gift and maybe a month or so goes by and i try to use it just to figure out someone has already used it at a store which is weird right? so i make a dispute through the vanilla gift dispute process and maybe 25-30+ days go by and nothing so i look up if their even going to do anything and ive got maybe 10+ post of people waiting 90 or more days and no response and when they try to call them to fix it they still do nothing. i was told to go here as there will be better results.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

On or about XX/XX/XXXX, EXPERIAN CONSUMER FRAUD DIVISION was contacted to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. 

On or about XX/XX/XXXX, EXPERIAN CONSUMER FRAUD DIVISION was contacted vis US CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, again to validate, correct, remove or otherwise modify in credit report that was negatively impacting me. A copy of the letter sent to the credit reporting agency is attached. 

As of today, XX/XX/XXXX, EXPERIAN CONSUMER FRAUD DIVISION has and continues to harm, damage, and injury to the ESTATE belonging to Consumers business affairs, by continuing to publish invalid address, phone numbes, employment history, and credit account ( s ) not used or owned by consumer.
Consumer complaint received 2024-01-10
Product: Credit reporting 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)

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.

has violated my rights. Or list of inquiries 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 2022-09-16
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. (FL)

I ask the credit bureaus to do a verification of everything thats on my report, they did and they said that everything is accurate. I did a thorough research myself even after they did the thorough research and I found improper, inaccuracies on the credit report even after they did the thorough research. 


XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have to privacy 15 U.S.C 1681 section 604 A section 2 : It will also States a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

On XXXX, XXXX I sent two debt validation letters for two different accounts to AR resources. I Requested that this company send me proof that I owe them money regarding two accounts. The amounts of the accounts are {$480.00} and the other being {$970.00}. 

On XX/XX/XXXX I received a letter that a contained two bills! Bills that did not prove that this was my debt and that I owed this company any money. 

On XX/XX/XXXX I sent a failure to validate letter to AR Resources ( via certified mail ). Requesting that AR Resources, Validate the debt they claimed I owed for a second time because they failed to do so the first time. 

On XX/XX/XXXX at XXXX AR Resources received my letters. 

On XX/XX/XXXX I have yet to hear or receive anything else regarding the accounts. " Estoppel by Silence '' legally means that this company had a duty to speak but failed to do so therefore I will like for theses accounts to be deleted.
Consumer complaint received 2020-08-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (AL)

American Financial Network continues to send me solicitations for mortgage loans, although I am on the do not contact list. This company has been warned before and continues to contact me. They mislead potential customers by claiming VA eligibility, although they are not affiliated with the VA in any way.
Consumer complaint received 2022-09-16
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On or around XX/XX/XXXX I went to Capital One online to update information including but not limited to annual income and change of phone number, This caused a red flag on behalf of Capitol One and my account was summarily locked and I was unable to access my account online or use the credit card issued. 

I had contacted Capital One in XXXX and again XX/XX/XXXX in an attempt to resolve the issue during these times. In each instance I was denied any resolve due to one unattainable obstacle : 1 ) Capital  One refused to release my account without a photograph of a current " Federal Issued I.D . '' i.e. " Drivers License or State ID ''. The expired State of Michigan ID was not accepted. No other forms of ID were allowed as proof of ID. 

The Following are circumstances to the unrealistic standards that Capital One has set fourth. 

a. Health Issues : On XX/XX/XXXX I was diagnosed with XXXX and shipped to XXXX Hospitals XXXX ward and was later diagnosed with XXXX XXXX. I had spent several months fighting the XXXX and when given the opportunity in XX/XX/XXXX I updated information from banking institutions to household billing. The XXXX and ensuing treatments left me bed bound till this very day. I am unable to travel unless I am transported by stretcher via ambulance for XXXX XXXX related treatments and exams. 

It is my exertion that I am being discriminated against because health issues exclude me from participating in obtaining an ID like a healthy individual. 

b. We are in the middle of a pandemic! Even if I were healthy I find it unlikely that I would be able to obtain a " State ID '' with restrictions on public operated facilities. Moreover, due to Covid 19 the in-home services provided by S.O.S. are suspended. 

Due to this factor alone I would think that a titan like Capital One would implement something that would be acceptable for everyone and not exclude the ill or XXXX. 
In closing I would like to say that I find Capital One 's behavior depressing at best and bigoted at worse. 

I beg you! Help resolve this issue with Capital One. I have not missed one payment since this all began over a year ago. Please help me see a return on my continuing monthly investment. 

Sincerely, XXXX XXXX XXXX XXXX,