davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

For the last few years, I have been dealing with an issue with capital One as far as credit card issues. If you years ago around XXXX or XXXX, my ex-girlfriend, XXXX, opened for credit cards in my name without my knowledge or agreement. She did this over the internet I believe, because I never signed for anything. after spending and overspending, I tried letting capital One a few times know that I didn't open these accounts and I am simply making payments on them until we can get things satisfied it situated. In that time, my ex kept using my card information. I ordered more cards so then I would have new cards so she couldn't use them anymore. My ex is going through a hard time and was struggling with many issues especially addiction. I haven't found her and can't tell you where she really is, but she has done this with me on multiple accounts. afterwards, while trying to make payments on these cards, I fell behind because I lost my job, and was injured, and there were a host of things. I submit multiple documents to capital One showing three or four different report I filed that my identity was stolen and that I did not in any way shape or form request to open those credit cards, and that I shouldn't be held liable for credit cards I did not request or digitally sign for. And that I did give them the information showing a file those complaints years ago. however, every time I contact at capital One, either I was transferred around over and over and over and over, or they will get upset with me and mistreat me and speak to me in a horrible and awful town. I am tired of going through this. And either I would like to try and settle these accounts so I can get them paid off and we can move forward so they stopped affecting my credit in a negative way in which they are, or I would like for them to be disassociated from my social security number and not associated with me at all, and remove him from my credit reports at once. Not many people at capital One have been helpful and usually they just end up attacking me after I've come to them multiple times seeking help for issues on something I had nothing to do with and didn't really know about. Either way, I wish somebody would help me out, I really need some help
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

I am filing a formal complaint regarding the egregious failure of multiple creditors to validate a disputed debt of {$2200.00}, in blatant violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I meticulously followed FCRA procedures by directly disputing this account on my credit report with the creditor ( s ). Each dispute included a detailed request for verification, demanding proof of the debt 's legal origin, confirmation it wasn't disputed due to faulty products, and documentation that it wasn't claimed as a tax deduction or insurance loss. Despite these repeated and well-founded attempts, the creditor ( s ) have exhibited a complete disregard for their legal obligations, failing to provide any response or communication regarding validation.

This utter lack of response from the creditor ( s ) constitutes a serious breach of my rights under the FCRA and raises significant concerns about the accuracy of the reported information. The presence of an unverified {$2200.00} debt on my credit report can inflict substantial harm, negatively impacting my ability to secure loans, housing, and other essential financial services. 

I demand that the CFPB conduct a swift and thorough investigation into this matter. It is imperative to ensure the creditor ( XXXX ) comply with FCRA regulations regarding debt validation. Furthermore, I request the immediate removal of this potentially inaccurate information from my credit reports. If the creditor ( s ) continue their blatant disregard for the law and fail to provide proper validation after this complaint, I will be forced to explore all available legal options to ensure my rights are protected and to hold them accountable for their violations.
Consumer complaint received 2021-08-31
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: AMERICAN EXPRESS COMPANY (TX)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZIONS BANCORPORATION (NV)

I trust this message finds you well. I am writing to bring to your attention XXXX critical issues pertaining to my credit report that require immediate resolution. 

Firstly, despite making full payment on my account with Nevada State Bank in XX/XX/XXXX, the credit report continues to inaccurately reflect a balance owed. I have diligently pursued resolution of this matter by engaging in multiple discussions with XXXX XXXX and the branch XXXX over the past XXXX months. Regrettably, despite these efforts, the credit bureau has yet to be updated to reflect the XXXX balance as confirmed by the bank officials. 

Secondly, I must address a concerning discrepancy regarding a missed payment with Nevada State Bank in XX/XX/XXXX. This isolated incident is entirely uncharacteristic of my financial history, as evidenced by a pristine record of timely payments over the past XXXX years. The missed payment occurred despite the payment being set on auto-draft, indicating a potential error or oversight beyond my control. 

As I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount. The unresolved balance and the adverse impact of the missed payment have significantly affected my XXXX XXXX, potentially jeopardizing my ability to proceed with this important financial endeavor. 

In light of these circumstances, I urgently request your assistance in promptly rectifying these discrepancies and ensuring the accuracy of my credit report. I am prepared to provide any documentation or evidence necessary to support my claims and facilitate the expedited resolution of these matters. 

Your prompt attention to this request is greatly appreciated. I trust that you will take the necessary steps to address these issues and restore the integrity of my credit report without further delay. 

Thank you for your time and consideration.
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX  XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX Statement attatched. USAA temporary credits listed XXXX+XXXX+XXXX+XXXX+XXXX +XXXX+XXXX+XXXX+XXXX+XXXX+ XXXX+XXXX+XXXX+XXXX tto begin the investigation HAVE NOT BEEN MADE PERMANET CREDITS JUST TEMPORARY TOTAL {$320.00} ( TOTAL PAYMENTS AND CREDITS this period {$450.00} ) AS TEMPS ARE NOT PERMANET APPLIED TO BALANCE YET ALL DATED XX/XX/XXXX. USAA REVERSES TEMPORARY CREDITS NEVER APPLIED TO BALANCE AS PERMANET CREDITS ( MAKING TEMPORARY CREDITS BECOME NEW CHARGES ) in amounts XXXX XXXX XXXX XXXX XXXX XXXX = {$160.00} Credit Reversals of USAA TEMPORARY CREDITS to begin investigations and they ARE NEW CHARGES??? See attatched XX/XX/XXXX Fraud Letter of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ALL THESE FRAUDS HAVE BEEN DISMISSED.?? IGNORED?? TOTAL {$150.00} FRAUD DISMISSED NO RESOLVE. NONE OF THESE TEMPORARY CREDITS APPLIED TOTAL CREDITS {$450.00} CREDITS APPLIED this period USAA MAKES PERMANET CHARGES OUT OF BEGINNING TEMP CREDITS in amount of {$160.00} AND DISMISSES CREDITS OF {$150.00}??? USAA DOES NOT RESOLVE FRAUD AND CREATES NEW CHARGES OUT OF TEMP CREDITS ALL USAA CREDITS ARE HIDDEN INTERNALLY FROM CONSUMERS VIEW.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (NY)

ON XX/XX/2021 i received a letter from this organization without my direct consent. This communication is an attempt to collect a debt. This communication violated several of my federally protected consumer rights. In addition this communication is false misleading and is a direct violation of 15 USC 1692e3. As a consumer I have a right to privacy and my privacy has been breached. My attached affidavit of truth as original creditor and Credit Card ending in 6196 with attached Exhibit contains detailed list of the violations committed.
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2020-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

Fedloan, changed my Income Based Repayment from XXXX a month to almost 900. When I called and questioned they said I was missing paperwork and it was my fault, I questioned them about what paperwork and why I wasnt contacted regarding the missing paper they said it was a mistake on their end and that they will resolve. After speaking with an escalated case manager I was issued the difference of around 500 dollars, which I was told I was getting my refund back at the end of the month, now another representative actually laughed and said no it takes up to 50 days! I called again and was on phone for almost an hour because now it shows that my payment is late and that I owe them XXXX, I call and to no help and the representative actually questioned me to when Im making my payment and to reinstate my auto debit. I call daily and everyday I get a different answer and made to feel inadequate.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (GA)

Allied put a collection from XXXX that I didnt owe allied or XXXX never called or sent me anything that said I owed I canceled XXXX in XX/XX/XXXX I called XXXX they said they made a mistake will contact allied they sent allied something saying it was paid but allied wont remove the mistake from my report it say it will remain until XX/XX/2020 unexceptionable I did nothing wrong allied never sent anything to my home or called me they said the did but that is a bold face lie!! They are scammers and liars and uses senior citizens like me Im going to get a lawyer if I have to but that has to come off my report allied collection service XXXX XXXX NV
Consumer complaint received 2021-08-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Have been in contact with Bank OF America on XX/XX/2021. I sent in an affidavit. I was then contacted by XXXX XXXX XX/XX/2021 A Bank Of America Officer, Resolution Specialist and Regulatory Complaints Manager. I sent out another demand for my due remedy via email where I attached Bank Of America CEO and CFO to the complaint and request for remedy.
Consumer complaint received 2019-01-31
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. (TX)

Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

It's coinbase account under review from XXXX of XXXX many times I make support ticket and after few days I got email your issue resolved but nothing changes still my account under review means I can't withdraw my money can't transfer my XXXX assets here are the support ticket numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had fraudulent activity on my c.c. cards and my identity stolen back in 2021. I have worked with the 2 c.c companies to resolve the situation. 2 of the banks have turned me over to collections. I have resolved one of the accounts- XXXX 's paying the portion of the charges that were mine. They still put interest and late fees on the card which I have rightly refused to pay. The payments were made to the collection company, and a balance of {$2500.00} and change still shows on my credit report. This is totally inaccurate as the agreement with the collection people was less than that. So totally wrong info. U can see up until I had my identity theft my credit was impeccable. There are two issues - this XXXX and XXXX other one with XXXX I am trying to resolve and getting nowhere. All of my money was stolen out of my bank account along with the fraud charges on these c.c. cards and I am getting no help with anyone. I am a sovereign being and my rights have been stripped from me along with being overcharged by banks with their interest rates and false charges they just apply. I am asking someone to look into this, see that I have had great credit until evil entered my world, took my $ $ and charged things on my c.c ; s that I did not. Thank you
Consumer complaint received 2021-08-31
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. (PA)

I submitted disputes and FTC reports for fraudulent accounts and hard inquiries. None have been deleted. The accounts and hard inquiries are the following : XXXX  : Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts - XXXX XXXX  XXXX XXXX : Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - XXXX XXXX XXXXXXXX Equifax : Accounts XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-31
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. (PA)

I submitted disputes and FTC reports for fraudulent accounts and hard inquiries. None have been deleted. The accounts and hard inquiries are the following : Transunion : Inquiries - XXXX XXXX XXXX XX/XX/2021 Bank XXXX XXXX XX/XX/2021 Accounts - XXXXXXXX XXXX XXXX XXXX : Inquiries - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Accounts - XXXXXXXX XXXX XXXXXXXX XXXX  : Accounts - XXXX XXXX  XXXX
Consumer complaint received 2020-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY AND DUE TO THIS I AM NOW UNABLE TO ACQUIRE CREDIT.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX  you furnished alleged transaction ( s ) on my XXXX and TransUnion that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX XXXX  # XXXX Without Recourse UCC 1-308
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX Partial account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX This was for a XXXX XXXX credit card. 
They are reporting that in XXXX of 2017, I was 30 days late. This is incorrect. 
I have contacted XXXX XXXX numerous times, with no luck in correcting this. 

Thank you.
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Today XXXX my son received a call from Comenity Bank ( My XXXX Credit Card ) asking if he was XXXX XXXX he replied yes due to the fact of having the same name as me they told him that I owe {$620.00} and I was aware of them I later on looked at my account and I have 2 phone numbers on the account XXXX and XXXX my sons phone number is XXXX how did they even get his phone number the a couple of days ago my daughter go back from Florida where my parents live my mother informed that she has revived a call from Comenity Bank too. Im not 100 % sure what number they used but she only has 2 numbers which are XXXX and XXXX. Im pretty sure that it is illegal to contact family or friends and tell them they amount of debt you owe and even if they are trying to find me that have my address and correct phone numbers
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, 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. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX