davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OH)

I previously sent a debt validation letter to Caine & Weiner Company regarding an illegally inserted debt the company is reporting on my credit profile. They never replied to my request for validation and still continue to report said debt to the bureaus. I do not have a debt owed to Caine & Weiner Company Inc.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have disputed this account several times and the credit bureaus aren't abiding by the Fair Credit Reporting Act rules. Payments on my XXXX account were never late. It's impossible to go from current to 90 days late in less than a month. Yet they're continuing to report false information on my credit report. Experian and XXXX  needs to update my payment history correctly as never late and on time for XXXX and XXXX.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I paid off my Davids Bridal account in XXXX XXXX XXXX. It has since been closed. I called in XXXX because it was still showing in my credit report and they said it would be taken care of. It was not so I called again in XXXX and they said by the end of the month and it was not. I called again today and they just did not help me.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My wife obtained a Capital one XXXX  credit card. After using it for about 3 months, she wanted my to use the card when shopping. She then ordered a card with my name.The account is under her name and ss number. SHE PAYS ALL OF OUR BILLS WITH THIS CARD. I have never signed and agreement with Capital one. I have called capital one and spoke with a supervisor, and asked why this card is on my credit report? I have gotten two different answers. First I was told that I agreed to that when I got the card a total lie. Next I was told that it was the credit reporting agencies, another lie. I do not want that card on my credit report!
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I sent a certified letter to United revenue corporation for debt validation.  The company did receive my letter. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a  negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete.
Consumer complaint received 2020-04-14
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: AMERICAN EXPRESS COMPANY (CA)

CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX Unfortunately the CFPB platform does not allow to send a resply message. I received your response but you could have attached a phone number so I could contact you directly. 

I understand you have given me the money on goodwill basis but I didnt ask for goodwill money. I wanted to have the money coming out from XXXX XXXX pocket and not from AMEX pocket. 

That brings me to the next point which is you mentioned It is important to note that although credit was issued, your dispute was handled correctly according to all applicable consumer credit laws and policies. Unfortunately the dispute was not handled correctly. The dispute went to merchants favor based on law of torts. But the dispute was based on contract law and not law of torts. 

Do you have ACTUAL lawyers working in your back end disputes department? Doesnt look like it. 

Anyway, the reason for this new complaint is NOT TO LODGE COMPLAINT but basically to get a phone number I can talk to about the previous complaint. I had no other means to contact you. Because your regular front line customer care number, they dont know nothing about it. They always say its handled by some back end team ( who I guess are scared to come front or just not bothered to talk to the customer directly ). I wish they spoke to me, then I could teach them the difference between tort law, consumer law and contract law.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 2020-04-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (CT)

I requested the mortgage forebearance protection afforded me under the CARES act from my servicer : homeloanserv XXXX XXXX XXXX XXXX XXXX ID XXXX. I was told by both XXXX and XXXX that under FHA guidelines I am only entitled to 90 days of forebearance and that I will have to call them every 30 days to maintain the program. They have both also told me I am not eligible for modification and will have to make a lump payment after the 90 days. Both of them insisted this was government guidance but offered no official documentation. XXXX claimed the cares act has been changed and we are now only entitled to 90 days. Their supervisor, XXXX, has yet to return my calls. The stated employees also asked me if I was sick. I'm not sure why I would have to disclose my protected information just for some relief. Please help stop these predatory practices. Homeloanserv is attempting to force me into an agreement I do not want in an attempt to have me default my mortgage and foreclose on my house.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
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 XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ORG GC GP BUYER, LLC (CA)

GC Services has been charged with collecting a ticket debt of mine issued by the XXXX XXXX XXXX XXXX  in XXXX XXXX, CA. I had a fix it ticket in XXXX of XXXX, which I responded to by sending in proof of insurance. The courts claimed to have never received the paperwork and put the ticket into collections. I found out when receiving a mailing in early XX/XX/XXXX that had been forwarded from my old address to my current home. The original mailing was dated XX/XX/XXXX. I called the courts first and they told me that since the account had been handed over to GC services, they were the only people who could accept payment for my ticket. Because of the delay in the mail forwarding, my license has been suspended and I am not legally allowed to drive. I was supposed to receive testing for XXXX  due to my symptoms and could not get to the doctors appointment, not wanting to endanger the life of a rideshare driver. I have called GC services three times. Each time, I have been on hold for more than an hour waiting to speak to apparently the only people in the world who have the power to un-suspend my license. One time the call went as long as an hour and twenty two minutes. At the end of all three attempts, after hearing hold track that repeatedly said " someone will be with you shortly '' The call got hung up. They aren't doing their jobs, but the government has still given them sole power to release people 's drivers licenses? This disgusts me.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the credit reporting act, the lists of accounts below have violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : account # XXXX, XXXX  XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : acct # XXXX, XXXX XXXXXXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : acct # XXXX, XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX 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 an 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated.XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union, XXXX, and XXXX is violating consumer law by reporting late payments on my credit report, which is violating consumer law 15 U.S. Code 1666b- Timing of Payments. I would like for them to stop violating the law and follow my U.S. consumer law rights established by the U.S. congress.
Consumer complaint received 2020-08-04
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Consumer complaint received 2020-06-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a follow up dispute to Equifax in regard to their response of a verified bankruptcy I viewed on a XX/XX/2020. My request was for proof of their investigation that came back as verified. To this date I have not received a response to the dispute. It past the 30 days allowed according to the FCRA and I request the bankruptcy to be deleted immediately.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I went through the drive through of Chase Bank XXXX XXXX XXXX in XXXX illinois XXXX. XXXX was the teller that helped me. I filled a withdraw slip for XXXX and requested a XXXX cashiers check. I received my cashiers check and my money in an envelope and continued on with my day. Later on when I was transferring my money from envelope to my safe I realized that it was a total of only {$6300.00} in the envelope. I was shorted {$500.00}. It was too late in the afternoon do I could not return to the branch. On XX/XX/XXXX, I returned to the branch at XXXX XXXX. I was treated horrible and was basically told that it is not their responsibility as it has been 24 hours. I then requested that the cash drawer and money counting machine be audited. I left and then gave bank a call about their findings. The manager got onto the phone and expressed to me that the drawers and money machine were audited and everything appears to be ok on there end. I then asked if the videos could be reviewed because somehow, my money was short. He basically brushed me off, accused me of lieing, and said he will see what he can find, but reminded me that it was the weekend and probably nothing would be done. I know that the money was missing. I do know that it is on the bank because I know where me and the money were after leaving the bank and it is not possible that anyone took it or I misplaced it. So I am currently just out XXXX and was told when it is convenient for him, he would look further into it. If they review the video, or attempt to care, we may be able to find out what went wrong!!!
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This bank is treating me horrible I applied for a secured card because they closed it and asked me To reapply I did just that and they decline me saying they dont want to do business with me I write them a letter they never respond to my concerns I wish they would call me this isnt fair
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I send several times my dispute letter thru the XXXX credit bureaus XXXX equifax and XXXX  but they still refused my letters. I STILL SEE ALL THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. The bureaus says I'M NOT THE ONE WHO SEND OUT MY DISPUTE WHICH IS WRONG. i'm the one who send it out. please delete all thee accounts an inquiries Thank you open late payment XXXXXXXX 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 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 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 XXXX
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (WA)

I stayed at a hotel on XXXX to XXXX. There was 2 holds placed on my account for {$99.00} each. On XXXX Amex Serve went and processed a separate transaction for the total of the bill and charged me {$170.00} on too of the funds on hold. This overdrafts my account and I had to use the money in a subaccount to bring my account to current. My cardholder agreement states that when a transaction is completed that any funds on hold will be made available. They won't acknowledge 1 of the holds and won't return the hold of {$99.00} for 30 days. I need that money.
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Since when does a bank need to justify stealing? 
I received a letter in this evenings mail, stating account ending in XXXX is still overdrawn, will be closed and charged off. 
I have already filed a complaint against Chase covering the above information in regards to them trying to take money twice using the same transaction ID. 
I have been in contact with their Executive Office, they admitted error ( XX/XX/XXXX ), but nothing to date has been refunded accordingly, nor have they updated me on progress. 

This is the 5th or 6th filing ... I will keep filing, since they keep harassing me via messing with my other accounts, sending bogus letters and threatening phone calls.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been enrolled in Autopay and the minimum payment that was due this XXXX was not taken out on XX/XX/2020 like Capital One was supposed to and so I was wrongly charged a past due fee of {$28.00} on XX/XX/2020 to my Capital One Walmart Rewards credit card. They say it is because I had cancelled my payment. On XX/XX/2020 I had made changes to my account where I had first cancelled my minimum payment so that I could make a higher payment for XXXX. However, that same day I changed my mind and decided to cancel the higher payment so that only the minimum payment would be taken out for bill due XXXX. That was the last change I made. I never cancelled my Autopay. Furthermore, on my Capital One account it states that when enrolled on Autopay they will debit my AutoPay Bank Account on my due date even if I make other payments so it should have been taken out on time. I have spoke to several representatives including two account managers with Capital One and they are refusing to refund or waive the {$28.00} late fee that I was wrongly charged. The representative stated it is because it was modified so it would have not been taken out until the next billing cycle. However, XX/XX/XXXX was the last time I had made a change and it was to cancel the higher payment. That should be enough time for the autopay to take effect and the change I made should not have effected the minimum payment that should have been taken out XX/XX/2020. In addition, after first speaking to a representative on the phone who was unable to resolve the issue I decided to write online to a representative to explain this and the representative was not only unable to assist me they responded to me with exclamation marks " I am not able to remove the late fee! " ... " It can not be fixed! '' and as I was still typing another response to them this representative quickly ended my chat session before I was able to send it.
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc. (DE)

Payacel : is illegally reporting numerous medical accounts in collections. In reference to being in violation of my HIPPA rights section 1173 and also in violation of FCRA 1681 n. I am also seeking {$1000.00}. in damages for each account falsely reported on my credit report. Accounts should be deleted immediately, send a copy of the updated credit report.
Consumer complaint received 2020-04-13
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-13
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: EQUIFAX, INC. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.