davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (SC)

Discover sued me for an old debt that I knew nothing about. They sent it to a debt collection attorney XXXX XXXX  XXXX who has stated that they are no longer collecting the debt ( I attached the proof below in their response from a complaint I filed against them ). 

I am closing on a home and need to pay the original debt to Discover as a settlement for {$3100.00}. 

If this does not take place XX/XX/19 I wont be closing on my home at all and therefore no debt will be collected at all. So Im trying to pay the payoff of {$3100.00} at closing to Discover bank. My closing attorneys will pay it at closing. 

So please forward this complaint to the vendor department so that this can be settled. Or send CFPB in response back the payoff balance of the debt so that it can be submitted to the mortgage closing attorneys.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol one Na passed the debt to XXXX XXXX XXXX I told them I was locked up since XX/XX/XXXX XXXX XXXX XX/XX/XXXX in XXXX county I o I also saw the debt was incurred at a Airport and in XXXX XXXX I have not given anyone the right to use my name or open up anything for my benifit or with my knowledge
Consumer complaint received 2021-07-28
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. (LA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-12-18
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. (NJ)

I have disputes negative informatiom with the credit reporters about and ols account with XXXX XXXX thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with my credit.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NC)

I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking # XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2019-12-14
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. (NJ)

I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax removed an authorized user tradeline from my credit report when it wasnt supposed to be removed & it dropped my credit score XXXX points. If this isnt fixed, I will be contacting my attorney because it shouldve never been touched. I have worked to get my credit score up & dont need sudden drops in my score especially when Im trying to buy a house in the next few months
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

For several months, i've relentlessly tried to get inaccuracies removed from my credit so that my children and i would have access to the basic necessities. Ive had some success as evidenced by the exhibits attached ; however the deliberate consumer abuse unfortunately continues. These companies ' negligence has caused such harm and distress to myself and my 3 minor children. There are Acts put in place to protect the consumer ; and willingly and knowingly violating the laws have monetary, civil, and sometimes even criminal liability. XXXX XXXX XXXX, after failing to ADEQUATELY and LAWFULLY validate any alleged debt, slightly followed protocol by the removal of this inaccurate and derogatory account from the XXXX consumer credit report. Sadly, they've knowingly committed fraud and inflicted harm by continuing to report this inaccurate account ( National Credit System Acct # XXXX ) to EXPERIAN as " verified '' ; all while essentially admitting to the inaccuracy and fraud by the deletion from the other previously mentioned Bureau ( XXXX ). Please help me to understand how this account can be verified with one Bureau and be deleted/removed by another. Are other Bureaus, such as XXXX, held to a higher level of integrity and accountability than EXPERIAN? Why is Experian willing to assist these fraudulent companies in harming the consumer? What is the use of the Fair Credit Reporting Act or the Fair Debt Collection Practices Act, if it is not abided by ALL in commerce? What is the future of commerce if consumers are purposely oppressed by the entities designated to protect them? What is the future of commerce when criminals get to hide behind fictitious entities and bleed the natural person of their God given rights. As I type this complaint, one of many, I literally have 3 weeks to vacate an extended vacation home but am unable to, due to the inaccuracies on the consumer report causing the adverse action during the application process with leasing companies. This inaccuracy and fraudulent, unruly behavior on the behalf of the companies attached to this complaint ; has done far more than damage my credit worthiness, or my slander my reputation in commerce- these excessive and perpetual violations have ultimately infringed on my life, my liberty, and my ability to obtain even a rental property to call home for more than a couple of months. I need these inaccuracies PERMANENTLY and IMMEDIATELY deleted and blocked from ALL consumer credit reporting companies and bureaus, this includes XXXX, XXXX and all other adjacent reporting companies which Experian furnishes with this inaccurate information.
Consumer complaint received 2021-07-28
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-07-28
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. (MS)

I am enraged at the unlawful acts of Equifax Credit Reporting Agency. I have mailed several dispute letters to the company and they have failed to comply with my demands. I have pointed out several errors on my credit report which they continue to " verify '' the erroneous accounts. I began disputing these accounts in XX/XX/XXXX. I have not had any success with this reporting agency. It is to my knowledge that according to the FCRA Section 611 ( 15 U.S.C. 1681I ) that all reporting agencies must report " ... the completeness and accuracy of any item of information contained in a consumer 's file ... the consumer notifies the agency directly or indirectly ... the agency SHALL, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate ..., or DELETE the item from the file in accordance .... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ... '' I mailed a dispute letter to Equifax on XX/XX/2021 asking them to provide to me their method of verification on the accounts they continue to report as " verified '' and accurate. I have mailed in additional documents showing the inaccuracies and incompleteness of their reporting on my credit report. Equifax continues to disregard the law and report inaccurate accounts that I have demanded them to remove. They have failed to supply the documents they used to verify the accounts on my credit report. 
This has taken a toll on my life in major ways. Equifax has taken the law into their own hands. It is now XX/XX/2021 and I am just now received a letter in the mail dated for XXXX XXXX only showing " verified '' again with no supporting documents. I refuse to stand by and have my consumer rights violated. I will supply my supporting documents with this complaint. Equifax has taken more than 30 days to respond to my disputes and they also refuse to remove these erroneous accounts that are inaccurate and incomplete. If this fails, I am ready to take legal actions while providing my evidence and supporting documents showing Equifax has taken the law into their own hands and Equifax will have to travel to defend themselves at their own expense.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (CA)

On XX/XX/XXXX, I was charged a {$99.00} annual fee for the Alliant Credit Union Visa Signature Card. The charge was noted with, " ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX. '' ( XX/XX/XXXX through XX/XX/XXXX ). See attached XX/XX/XXXX statement. 

On XX/XX/XXXX, I was notified of a change in terms that reduced the annual fee to {$0.00}, along with new conditions to maintain the same level of rewards ( 2.5 % ), by requiring a {$1000.00} daily average balance in my checking account. These changes would become effective beginning with the XX/XX/XXXX statement cycle. No mention of what would happen to customers that had paid their annual fee beyond this date. See attached Change In Terms Email. 

On XX/XX/XXXX, I contacted XXXX through their secure messaging service requesting a pro-rated refund for the months of XX/XX/XXXX through XX/XX/XXXX, requesting a refund of {$57.00}. 

On XX/XX/XXXX, the refund request was denied. See attached refund request and response, along with an expanded dialogue ( the print function did not capture the full text of the request and response ) files. 

I believe this is an unfair situation because Alliant Credit Union benefits from an excess payment of an annual fee that no longer applies AND I must maintain an average daily deposit balance of {$1000.00} to maintain the same level of benefits that I had already paid for. In short, they are benefiting twice XXXX annual fee + deposit balance ) for what I have only agreed to pay once for. I paid $ XXXX for 2.5 % rewards and now they're changing it to my paying $ XXXX AND {$1000.00} average daily deposit. They benefit twice and this is not fair. I'm paying for a service and instead of delivering as agreed, they're taking more from me to achieve the same result.
Consumer complaint received 2021-07-28
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: BBVA FINANCIAL CORPORATION (AL)

Previous complaint under ID XXXX. In the Company 's ( BBVA USA ) response, they state : " Your old credit card is still visible through your online banking profile for your reference. We have confirmed that the account currently lists a XXXX  balance and the appropriate credits have been applied to your new card account. '' This is factually incorrect. My old account online still showed a {$24.00} balance at the time of the response from XXXX, not {$0.00} like they stated. This is a direct result of incorrect credits being applied to the account ( to the extent of being {$24.00} short ). I called in to customer service representatives who further confirmed the existing balance and verified that the statement was incorrect. Overall, the statement above per their official response is 100 % incorrect and unfortunately further goes to show how little BBVA appearingly cares to resolve its customers problems.

Subsequent to the response I had a {$350.00} refund posted to my credit card account by a merchant for a reimbursement. This results in my current balance of my old account being - {$320.00} ( negative balance ... i.e., BBVA owes me ). This {$320.00} negative balance ( rather than {$350.00} ) is the direct result of BBVA still shorting me the {$24.00} from their fraud refund process. I have called in even subsequent to the CFPB complaint to try to resolve this to no avail. When discussing on the phone, the customer service rep agreed with what I was seeing, said it would be resolved in 2-3 business days, but ... it's now been 2+ weeks and no changes. I even tried to talk to the collections department to see if they could do anything with it, no luck.

BBVA, please please please just credit my account the {$24.00} amount I am owed such that my old account ( # XXXX ) will have a - {$350.00} balance. I will also happily field questions from a customer service representative who is able to ACTUALLY address my issue real-time on the phone or in-person and not just " file a report '' that will be fixed in 2-3 business days and never actually is ( I have been told that at least 5 times other the last 5+ months and not once has BBVA competently/thoroughly addressed the issue ). 

Please see attached pdf as proof of existing card balances and activity : $ XXXX for old credit card # XXXX {$0.00} for my new credit card # XXXX ( Can you blame me for not using the new card recently given my nervousness of if it is compromised BBVA will not address my issues? ) I wanted so much to enjoy my BBVA experience as Compass Bank ( its predecessor ) was an icon here in XXXX and especially around the XXXX XXXX  community given its founder XXXX XXXX XXXX. Unfortunately, my experience has been the exact opposite.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. 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 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I was laid off XX/XX/2020 as a result of the COVID shutdowns. I contacted Santander to see if I could get a deferral on my car payments as my bills were running behind. Santander agreed to defer my payments, and I signed all of the required documentation. When payments resumed they began to report all of my payments as delinquent back to the original deferment. I have contacted them multiple times to fix the reporting on my credit, and each time they have assured me that the reporting will be corrected. To this date the reporting has not been corrected and they continue to report my payments as late. I am attaching the documentation to substantiate that I was in an approved deferment program. This is a violation of the CARES Act to inaccurately place derogatory payment history on my credit reports. Furthermore, the company has verbally acknowledged the error and will not follow through with their promise to remove the inaccurate information.
Consumer complaint received 2021-07-28
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: Experian Information Solutions Inc. (FL)

XX/XX/2021 an Collections account from XXXX XXXX company for XXXX that does NOT belong to me has reported on XXXX  and Experian. I have reached out numerous of times to both companies stating that. I never had XXXX services. The address that they have linked to the XXXX services that they CLAIM Is mines the address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have spoken to them and told them that I have never lived at that address. My CORRECT old address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. Apartment XXXX is not my apartment number. I have bank statements to prove that I have never lived at that XXXX address. Credit bureaus are failing to verify information on this account.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Sometime in 2016 I had A Credit Card Account with USAA. I Paid The Card Off And Closed the Account. USAA Is Reporting To XXXX  That Credit Grantor Closed The Account, While at the same time Reporting o XXXX   And XXXX  That The Account Was Closed At Consumers Request.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have filed a dispute in regards to an inaccurate account on my consumer report. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2019-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I recently opened an account with Santander bank. I deposited a check in the amount of {$29000.00} into my account on XX/XX/2019. I called on XX/XX/2019 to check the status of my check deposit and I was informed by customer service that my account if frozen because of a large deposit. So I was transferred to the fraud department and the rude lady told me my check can not be verified and I should provide a phone number for the issuer. Meanwhile the check had been debited from the issuers bank for that amount. So I did provide the number for the issuer of the check and I was still told that it will take about 5-7 days to call the issuer to verify the check and if they cant verify with the issuer, the funds will be held for over a year and then be returned back to the issuer bank. Later the next day my online access was locked and I was told there is nothing they can do because the other paying bank which is XXXX  XXXX  told them they are going to delay the release of the funds from their end. Meanwhile XXXX  XXXX  asked the issuer to go into the banking center to verify the check with a personal banker which she did on XX/XX/2019 and still my funds and account is frozen. I am been treated like a criminal just because I deposited a large amount into my account. The check was issued legally and there is no reason for me to be targeted and treated this way.