davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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 (FL)

On XX/XX/2019 I issued my Check XXXX. XXXX made payable to the order of WalmartXXXXXXXX XXXX in payment of Account XXXX. XXXX XXXX XXXX which the payee deposited in its account with XXXX XXXXXXXX XXXX, as shown by the attached copy of the canceled check ( front and back sides ). Subsequently, XXXXXXXX XXXX was replaced by Capital One as Walmart 's credit card agent. Now, Capital One wrongfully fails and refuses to recognize my payment to Walmart/XXXX XXXX. I respectfully submit that Capital One should be bound by my payment to WalmartXXXXXXXX XXXX since the former is the successor-in-interest of the latter, otherwise I would be paying double and Capitol One or Walmart would be enrichment itself at my expense. Thank you for resolving this matter in my favor. XXXX XXXX
Consumer complaint received 2020-08-13
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. (PA)

I checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Consumer complaint received 2024-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO. (GA)

In early XX/XX/XXXX I notified Chase that I as unable to continue the mortgage payments due to my mother 's recent admission into a XXXX XXXX XXXX. I simply can not afford both. I wanted to explore my options for a short sale or deed in lieu of foreclosure. I was provided an application for a loan modification back in XX/XX/XXXX which I completed and submitted in XX/XX/XXXX through the website ; and again in XXXX by mail. The due date for the application was XX/XX/XXXX. 

Receipt of the application was confirmed by Chase, but I never got a response to the application. Instead I as informed by Chase that the loan is being transferred to another service provider. The taxes are past due on the home and I am seeking some relief.
Consumer complaint received 2023-01-06
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am having an issue reviewing my Chex Systems Consumer Report # : XXXX online with Chex Systems.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

This account is included in bankruptcy. Bankruptcy was discharged XX/XX/2022. Account is showing late payments and a balance owed. Should not show a balance owed, should show included in bankruptcy, and should not show late payments as Westlake bankruptcy department states debt uncollectible.
Consumer complaint received 2020-08-13
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. (NY)

XXXX XXXX sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX XXXX XXXX  XXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and XXXX XXXX did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. XXXX XXXX has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. XXXX refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX kids under XXXX while working. This is grossly unfair in the first place, but even more unfair that XXXX XXXX refuses to correct its credit reporting.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX XXXX XXXX XXXXXXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and XXXX XXXX did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. XXXX XXXX has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. XXXX refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX kids under XXXX while working. This is grossly unfair in the first place, but even more unfair that XXXX XXXX refuses to correct its credit reporting.
Consumer complaint received 2022-12-19
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2020-06-11
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-15
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, US DEPT ED, USDOE/XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (VA)

Receiving apparent Debt Collection calls from a Comenity Bank. Multiple times per day, leaving voice mails. I don't have any accounts with this bank, and have never had any accounts with this bank. Never heard of them before and I really don't know why they are calling me. Calls coming from XXXX, to my mobile # XXXX.
Consumer complaint received 2020-06-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I used a Bank of America mastercard to purchase an airline ticket through an online website travel agent called XXXX for XXXX XXXX. Purchased XX/XX/XXXX for {$830.00} Flight was for XXXX Due to COVID the airline cancelled the flights in XXXX. I have emailed numerous times to travel agent for a refund and they will not give it to me. They keep stating it is up to the airline to authorize the refund. 
I filed a credit card dispute on XXXX, received a confirmation letter. Called again in XX/XX/XXXX and was told B of A hasnt even contacted merchant yet to investigate this claim.
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NY)

There was a collection on my credit report through another credit collection company, which I disputed and it was then removed only to be bought by another collection company called Ability Recovery Service. I have requested the original credit application with my signature and any other information that would allow me to verify the debt is mine. Furthermore, the previous company told me it was a XXXXXXXX XXXX XXXX  through XXXX XXXX, I do have a XXXXXXXX XXXX  with XXXX but it is in good standing and paid every month. Also, according to the letter sent by ability recovery service this debt is almost 6 years old. Isnt the statute 3 years in NY state? I would like for this to be removed from my credit report as it is not my debt and I have not received anything verifying its my debt. 
I also went through all my debt two years ago and paid everything that was showing as a collection or negative account so I dont understand how this can surly show up out of no where. 
I have attached the letter that was sent to me from ability and I sent back on XX/XX/XXXX with no reply.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2023-05-25
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. (NC)

This complaint is for Experian, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc dated XXXX XXXX. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (CO)

Auto insurance XXXX XXXX XXXX was taking monthly payments automatically from my account, for some reason they stopped taking them out. I was not notified about the payment being owed and my debt went to collection without notice. It caused my credit score to drop from XXXX to XXXX affecting my ability to lower my mortgage payment due to the lower XXXX score. I have paid the item, the debt went to collection in XXXX of XXXX according to my credit report and it was paid in full in XXXX immediately after i found out what happened, I'm requesting for this item to be removed from my credit report immediately here is the contact info, please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX ACCOUNT RESOLUTION SERVI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ACCOUNT RESOLUTION SERVI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts  Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-13
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: Santander Consumer USA Holdings Inc. (IL)

I filed a dispute on XXXX XX/XX/2020. This dispute was against Santander. I had filed the same dispute with XXXX and after they investigated they agreed to remove the negative remark from my report. XXXX and XXXX have been difficult to work with and both companies have been hard to get a hold of. This account with Santander has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement Santander is facing. I am a father to XXXX children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.
Consumer complaint received 2020-08-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

1. I am writing to you today to resolve ALLY Bank ( XXXX # XXXX ) This account is related to XXXX XXXX XXXX, which was totaled XX/XX/XXXX. 
a. The vehicle was insured by XXXX and a checking for XXXX was issued to ALLY on XX/XX/XXXX. ( check # XXXX ) b. There was an unpaid balance which was subsequently paid by the GAP insurance ( Though some extensive efforts ALLY received SAFE GUARD check and I was told by their employee it will be back dated to XXXX ) c. ALLY Bank utilize the XXXX check for monthly payments thus showing continued payment on this loan. My last payment to ALLY was in XX/XX/XXXX. 
d. ALLY did not file for the GAP insurance payments until XXXX ( something they are responsible for ) e. Ally shows an incorrect balance on this account which should be XXXX and paid for without any late payments. 
f. I spoke ALLY many times in XXXX trying to resolve this issue while I was deployed. I subsequently email XXXX XXXX. XXXX XXXX Executive Officer and Director, Ally Financial Inc. with no response. 
g. I have contacted the three credit reporting agencies with supporting evidence and Ally subsequently place a higher balance on my account causing my credit score to drop several points.

2. Ally currently has two separate accounts on my credit profile XXXX ( showing charged off ) and XXXX ( showing late payments ) a. I had only one account with ALLY Bank! 
b. Together these two accounts have ruined my credit for seven years.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/2020, Moneygram discriminated against me when I attempted to send {$200.00} USD to my uncle in the XXXX XXXX, XXXX XXXX. My uncle is a XXXX XXXX in XXXX and since the pandemic he has not been able to work. I was sending funds to help my relative. I sent the funds online and I received a XXXX XXXX. XXXX. I reached out to my uncle to collect the money. However, I received notice that my account was closed down. I called Money Gram for an explanation and they could not provide a valid reason for closing my account. The agent on the phone insinuated that I did not know the receiver. I told her multiple times that I knew the receiver. The agent was unhelpful and I am not satisfied.
Consumer complaint received 2020-08-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC (DC)

I received repeated calls from XXXX from people claiming to represent Pacific Retrieval. They told me a car was in my name was towed and they were going to charge a fee and proceed to debt collections. They continued to call all of my family members and used aggressive language to harass over 4 family members. I do not have this car and they won't stop harassing us.
Consumer complaint received 2024-02-22
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. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX This account should not be reported as a charge-off, I paid this on time. Please provide evidence that my rights have not been abrogated on this report. In the event that no record exists, please delete this damaging account information. 

XXXX XXXX - Account Number:XXXX Experian is reporting all charged off but XXXX reports all good payments. Also, charged off the account but it still has a balance. You need to remove this inaccurate report immediately! 

XXXX XXXX XXXX  XXXX - Account Number:5XXXX  Please remove inaccurate reported late payments and update to paid as agreed