davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
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 (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX You are in Direct Violation of The Fair Credit Act { capitol one and XXXX XXXX XXXX LOAN } HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602A CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604ASECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRRITTEN CONSENT.

15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE REMOVE THESE LATE PAYMENTS AND UPDATE THESE ACCOUNTS IMMEDIATLEY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT ACT
Consumer complaint received 2023-04-30
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: Westlake Services, LLC (TX)

Dear XXXX and or XXXX. There is information on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transaction that are reported on my consumer report I am requesting that the reporting of this information be blocked and deleted. My request to block and delete is not made in error, nor is my request to block and delete the information made on basis of material misrepresentation the identified transactions are not made by me who is the consumer. ( 1 ) XXXX XXXX address XXXX XXXX XXXX XXXX DE XXXX : ( 2 ) XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX status : paid, closed XXXX written off ( this account paid ) and I would like for it to be removed off of my consumer report ( 3 ) XXXX XXXX XXXX account number XXXX account type : collection date open XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO : date open XX/XX/XXXX
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

I have contacted Experian 27 times since XX/XX/2019 about the following issue. Every time I call I am transferred to and from and all around departments because no one can seem to understand the issue or how to correct it. I have mailed and faxed multiple documents in the past months proving my identity. I have corrected my address and created a new password for my account. I am able to log into my account via the app and experian.com COMPLETELY fine. I am able to navigate the site without a problem. There is nothing wrong with my login information. The problem occurs and ONLY occurs when I click " Start New Dispute '' from the app and website. For some reason I can not access the Experian dispute center. I can not even view the status of completed disputes. I was also unable to upload important documentation needing to be attached to a dispute. Any time I try to start a new dispute or check the status of a dispute I receive the following error message : " We're experiencing technical difficulties and can not access your report at this time. Please try again later. XXXX Mon - Fri : XXXX - XXXX ''. In the 27 calls made to Experian and out of all the representatives I have spoken with I receive a different answer or I am advised it will be fixed in a few days. I have now way of managing my disputes or than postal mail. As we all know disputes can take a while and postal mail would add weeks to the process. This is COMPLETELY unacceptable.
Consumer complaint received 2018-03-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX XXXX XXXX XXXX reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the Equifax breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either XXXX or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.
Consumer complaint received 2019-12-20
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. (TX)

XXXX XXXX was sent to XXXX please remove the inaccurate information by law up to the creditor to provide proof that the debt does actually belong to you, so if they cant ( or choose not to ), they must remove the negative mark from your credit report. Pay for Delete If the collection is, in fact, yours, consider paying the collector so that it is removed from your report.

btw police report should be enough also
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

This complaint is against LVNV Funding for continuing to report a negative account in the amount of {$910.00}. This account is causing serious damage to my credit score. Please note that I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I am asking for this account to be removed from my credit files.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (UT)

On XX/XX/year> at XXXX I was served papers claiming to be from the First District Court for XXXX XXXX XXXX Utah . The papers i was served included a Summons, a Complaint, and the paperwork showing that my debt was purchased from the original owner of the debt. The paperwork was all dated XX/XX/year> and stated that i must file a written answer within 10 days or else " judgement by default will be taken against you for the relief demanded in said complain. '' I first attempted to contact the company but could not reach anyone, i could only get an automated system so I then contacted the First District Court to verify if these documents were real and the courts have no record of any summons or complaint. The company that has violated my rights under the FDCPA by fabricating false government court documents and threatening with a false lawsuit is, Jefferson Capital Systems , LLC.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXXXXXX / {$790.00} / XX/XX/2021
Consumer complaint received 2019-12-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019 I received a letter from the Florida department of financial consumer services notifying me of the liquidation of my current home insurance provider, XXXX  XXXX XXXX XXXX   Two weeks prioir I submitted the renewal check to XXXX XXXX XXXX XXXX   approximately on XX/XX/2019 and they cashed my check. Legally and in good faith the insurance company should have never cashed my checked and should have resubmitted back to me by mail but they did not, instead they cashed the checked knowingly that they weer being shut down by the state. I tried for weeks to get a hold of someone in the insurance agency but had no luck, just a voice mail box to leave your information and call back number and they will call you back. I then called my bank, Bank of America to file a fraud claim, after the entire 90 day investigative period they sent me an email notating that hey denied my claim citing " our investigation of the claim determined that you authorized the transaction ''. WELL Of course i authorized the transaction they were my home insurance providers   for the previous 2 year. Bottom line is that I would have thought that bank of america would definitely help me on this and they did not, I loss a total of {$380.00} as part of the first quarterly down payment, thank god I did not pay it in full like some people do. Beware, I would go elsewhere than banking with bank of america, the supervisors name was XXXX XXXX from the fraud claims department. Horrible experience, I will be leaving them.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.
Consumer complaint received 2022-12-15
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 (GA)

In accordance with the fair credit reporting capital one acct # XXXX has violated my rights 15 usc 1682 section 602 A states I have the right to privacy 15 usc1681 section 604A section 2 states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-01-16
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. (PA)

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 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

They are reporting negative inaccurate information. 

The payment status is incorrect. Says not paying as agreed which is false! I currently have a XXXX card and they would not have let me opened that if this was true. 

The high balance is incorrect.
Consumer complaint received 2023-01-16
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MA)

During the month of XX/XX/XXXX, I reached out to LVNV Funding regarding an outstanding debt in the amount of {$660.00}. The original creditor : XXXX XXXX  sold this debt to LVNC. LVNV informed me the debt was now being managed by XXXX XXXX   XXXX on behalf of LVNV. Once paid, XXXX XXXX  XXXX would process the payment, then contact LVNV to update the credit agencies to remove the negative item from my report. 

We negotiated an amount of {$370.00} to be paid no later than XX/XX/XXXX, please review the letter from XXXX XXXX XXXX attached, dated XX/XX/XXXX. I made the payment online at XXXX on XX/XX/XXXX for {$370.00}. After several denied disputes with XXXX, I continued to contact both LVNV and XXXX who stated a payment was never made. Attached is the receipt and a copy of my bank statement showing a debit in the amount of {$370.00} processed on XX/XX/XXXX and the payment confirmation dated XX/XX/XXXX. 

Just recently, I received a letter from Resurgent Capital services stating they were now managing the account for LVNV Funding LLC. Please see the attached letter. 
Again, I am requesting a letter showing I have paid per the agreement and this information be updated with the credit agencies as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2019-12-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$10000.00}, {$12000.00}, {$18000.00}, {$35000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.
Consumer complaint received 2019-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Wallace Management Company, LLC (MO)

I applied for a small loan of XXXX. I had to unfreeze my three credit reports to do so. They asked if I had a spouse if I had someone living here or if I would have someone living with me. Asked me if I had children or would have children living here. Ask about all my bills I pay each month and how much. They asked if I had food stamps. I said yes. They asked how many food stamps. Then asked me how much of my money did I use to spend on food at the store each month.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX  ( Equifax ) Incorrect Name : XXXX XXXX ( Equifax ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX 2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

I contacted CareCredit to dispute a charge against XXXX XXXX, which made a charge on my account. The dispute was because XXXX XXXX promised me a refund of {$1600.00} after I returned their product but had not paid it. Synchrony subsequently sent me a letter ( attached ) stating that they would remove the disputed amount from my account during the dispute investigation but never asked for any further documentation to assist with their investigation. 

My complaint today is because THEY NEVER REVERSED THE FUNDS FROM MY ACCOUNT AS PROMISED. There should be no question that I deserve to have the {$1600.00} refunded from my account because you can see I have in writing from XXXX XXXX that they supposedly already submitted this refund already and Synchrony should have credited it ( see attached ). Yet, CareCredit has continued to keep this amount on my account. They must remove this amount from my account immediately. This problem has been compounded because the customer service agents do not speak English with enough proficiency to actually assist you.
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit Systems placed a collection on my credit report without ever sending any notice of collection or verifying the debt. To date, I have never received any communication from this company in reference to this alleged debt. Southwest Credit has clearly violated the Fair Debt Collection Practice Act, which allows a consumer 30 days to dispute the debt. This was not provided prior to placing negative marks on my credit report. This is my attempt to resolve this matter prior to filing a civil action. I have also filed a complaint with the XXXX XXXX  in an attempt to resolve this matter prior to obtaining legal counsel to pursue a civil action for damage caused to my credit score without ever communicating with the alleged debtor. 

The amount in question is {$140.00}. I don't have much more information to provide since the company has made no contact with me.
Consumer complaint received 2019-12-29
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TN)

I have a collection on my XXXX credit report from Wakefield & Ass. I've written them XXXX times now with no response, each time I've included a notarized dispute letter, photocopies of my XXXX, social security card, current credit card statement, and bank statement. I'm attaching copies of the last XXXX dispute letters, the XXXX reports that provide the addresses to dispute the account at, and certified mail receipts. I also have a video showing me going through all the content of the dispute letter, then putting it into the envelope and handing it to the mail receiver at the XXXX XXXX XXXX.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase bank closed my account while I still had funds in them. The closed my account at the beginning of XXXXXXXX XXXX XXXX. After 9 months I have still not received my funds. I asked Chase about my funds and they said they where holding them indefinitely. I had {$16000.00} in my individual account XXXX XXXX XXXX XXXX I also had {$2400.00} in my joint account. I have contacted Chase many times they refuse to send me the remainder of my funds.