davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

My name is XXXX XXXX, I am a XXXX XXXX XXXX veteran. One thing i'm clear about is making sure I pay my bills and take care of my responsibility. I started the process of purchasing a house in XXXX and was told not to do anything with my credit. I was notified via credit monitoring that a company named Diversified Adj Svc has put an collection on my credit report. I called the company about the collection and they said I owed a bill from when I stayed in a duplex in 2015. I assured the collection agency that it was not my debt and I didn't even live in that duplex in 2015. The company told me it was a verified debt. While this is going on, my loan for the purchase of my house fell through. I had to get an attorney because not only did I lose out on possibly building the home of my dreams, this has also made my credit worthiness plummet. I am writing to ask for help in getting this off my credit report until my attorney can file the necessary paperwork seeking damages. I have attached the proof that I did not live in the claimed residence in 2015 at all. It makes no sense that these companies can just put anything on your credit report in complete disregard to the damage it would do without doing the necessary homework.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In XX/XX/2020 I refinanced my auto loan that was with Capital One. Capital One began posting payments on XX/XX/2020 with numerous payments and reversals. The following is a list of all transactions made on the loan. According to the transaction made I should have received {$1200.00} from overpayment ( s ). I received a check for {$190.00}. I emailed Capital One asking for someone to review the loan. I received an email back saying to call. I did call repeatedly over the next four weeks each time it was an automated system asking me to hold and then disconnecting with no one answering the phone. In late XXXX I received a check for {$510.00}. I again tried to call Capital One and did not reach a human being. When you subtract all the payments made there was an overage of {$1200.00}. Subtracting the two checks I received ( {$510.00} + {$190.00} ) there is still an overage of {$490.00}.
Consumer complaint received 2023-03-06
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-03-06
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: EQUIFAX, INC. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I am writing this letter to request an investigation on my account inquiry that Wells Fargo authorized for disbursement to Legal Recovery Off-set on XX/XX/2021. On this date, without my authorization or notice, Wells Fargo on its own allowed the withdrawal of {$7900.00} from my account ending in XXXX. I did not recognize the account or its connection to me. The money that your bank authorized for withdrawal was money from my unemployment claims and at these difficult times and pandemic, I use that money for survival and necessity. 
After the intense research, it comes to my surprise that this withdrawal was associated with a Judgment from the lawsuit XXXX. When I learnt of the withdrawal, I was instructed to call the Sherriff department where they usually withheld the money before disbursement. However, the Sherriff informed me that they did not know of this judgment or lawsuit. Your bank had authorized an unlawful transaction without notice or go through a proper verification. 
I want to formally dispute the lawsuit XXXX with the balance of {$15000.00}. I was and am a victim of identity theft because someone illegally used my personal information to open a loan or credit card in the stated lawsuit. Further, I have never received any form of communication regarding this fraud account. I just figured out this serious matter after your bank authorized the withdrawal associated with a Money Judgment from the Court of XXXX XXXX County ( Case number XXXX ). I was never served or received summons to go to the court and defense myself on this case.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX, Equifax, XXXX are reporting inaccurate information of student loan that aren't reporting correct to all three Consumer reporting bureaus. This not a request for an update only a request to remove the inaccurate information once again this not an update. My XXXX account information is inaccurate. This not a XXXXredit repair Service I don't want nor need a repair service that I can't fix myself. Your in violation reporting inaccurate information. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion 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 2021-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

XX/XX/2021 I disputed more than several accounts via mail with XXXX. At the time of dispute several were removed without resistance leaving me with one collection account on credit report. Collection account XXXX of {$1400.00} was claimed to be verified through investigation as being my debt within same month of XXXX. I returned reply asking how did they verify account an for investigation reports verifying it was I. XXXX  in turn replied I must send a address verification with documents verifying my identity because I wrote them from a different address because I initially wrote them from a XXXX XXXX in which I was discharged on XX/XX/2021. But I followed instructions to theyre reply an sent documents. When I followed up in reference to them receiving documents theyre claim was they never received the documents an I can not have access to investigative reports or anything that verify the account as being mine and the collection will not be removed. This has been a back an forth for months now. Today XX/XX/2021 I wrote a hand written letter an sent it certified with return receipt to collection agency ARS Account Resolution of XXXX Fl  for account XXXX. Ive asked them as I did XXXX to send investigative documents verifying the account is mine or remove it in the allotted time if they can not. Now Im filing a report with ConsumerFinance.Gov. Thank you.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, STAPLES/CBNA add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-27
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. (NJ)

Hello, I made these payments on time, and the company changed the due dates on the card without notifying me. This is a tactic this company continues to use, In order to receive fees. I have reached out several times and asked them to clear up the situation, and they haven't.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, BK OF AMER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-29
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. (OH)

I co-sign for my daughter 's vehicle 4 years ago her transmission just went out she returned the vehicle the vehicle is priced at {$11000.00} my daughter filed a bankruptcy executor it's still showing a {$7000.00} balance on my credit report in a vehicle has since been returned as of XX/XX/2020 things were recalled and a transmission went out they resold the vehicle and still is requesting XXXX from me and my daughter I'm asking for this debt to be removed please and thank you and I also would like how my car note is being reported for my XXXX XXXX because everything is current and up-to-date and my engine was just recalled on that please and thank you for all of the credit reporting agencies I'm having an issue with I'm just trying to get updated
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Synovus Bank (GA)

I want into my Synovus Bank located in XXXX Georgia and was told by 4 workers that they didnt have time to open my a savings account to go along with my check account that I already have. I was refused service by 4 different people. I watched every XXXX customer come in and be served with a smile. But I had to be told come back and ask for a manager
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX I was contacted by XXXX at the mortgage lending department of nations lending company so I thought. He instructed me that because I was in a forbearance with my mortgage company that my taxes had not been paid in an order for my forbearance to not be discontinued I would need to pay the outstanding taxes of {$720.00}. I was then instructed to pay via prepaid American Express card. Because I can not pay all at once I was given the opportunity to pay in two payments one prepaid card was in the amount of {$300.00} the second was for the remaining balance done two weeks apart. After finally not receiving any confirmation or information I decided to call the lending company XXXX XXXX  for verification and more information about the situation. I was informed by nations lending that this had been fraudulent activity and they would not do something like this to request money from me. I reached out to the prepaid card company which was bluebird American Express and they would not give me information about the card because the card had been registered in another name. I was then given instructions that I should file a police report and allow the police to investigate. After reaching out to the authorities they explained that I could file a police report but not sure if the monies would be reclaimed.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I co-sign for my daughter 's vehicle 4 years ago her transmission just went out she returned the vehicle the vehicle is priced at {$11000.00} my daughter filed a bankruptcy executor it's still showing a {$7000.00} balance on my credit report in a vehicle has since been returned as of XX/XX/2020 things were recalled and a transmission went out they resold the vehicle and still is requesting XXXX from me and my daughter I'm asking for this debt to be removed please and thank you and I also would like how my car note is being reported for my XXXX XXXX because everything is current and up-to-date and my engine was just recalled on that please and thank you for all of the credit reporting agencies I'm having an issue with I'm just trying to get updated
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On or about XX/XX/2020 I was at the store trying purchase gifts for my daughter where i was informed my card declined. I called Capital One Immediately to see what was the reason and I was transferred to the investigations team. They sent me to a voice mail I left several messages and no one has yet to return my call. I spoke with a young lady on XXXX XXXX  and i was inform informed to send verification that i own my own business to and email address, I've done that I called back on XX/XX/2020 and i was inform that my account will because closed due to a grant that i received back in XXXX or XXXX. I was always informed by a capital one representative that i will not get my funds that i worked hard for thats in my savings and checking account back if someone can please assist me on how do i go about getting my funds out this account they have a restriction on my account.
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank has been calling me over 20 times a day for the last few weeks. They are getting more and more aggressive. They're trying to reach someone named XXXX XXXX. My name is XXXX XXXX. They ignore my asking them to leave me alone and stop calling me. I've told them tot ake me off their list. I'm on the national do not call registry. I've emailed them and called them and answered their calls to try and explain I'm not this person. That's the name of the woman who had my phone number 4+ years ago. I'm tired of my phone ringing nonstop. These people are criminals and are harassing me. I'm going to call the police if they don't stop.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC (OH)

I am not liable for this debt with XXXX and I do not have a contract with MOUNTAIN RUN SOLUTIONS plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$780.00}
Consumer complaint received 2024-02-27
Product: Credit 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: U.S. BANCORP (OH)

I filed a dispute when I was not getting a refund for cancelled services. The us bank dispute resolution representative stated they would wait to credit my account to give this merchant time to refund my money. My money was refunded by the merchant in the form of a paper check. Which was immediately deposited and then electronically transferred to my us bank card account. Us bank never issued a provisional credit from this dispute as it was settled before that took place. I recently received notification from us bank that they were reversing the credit. Which is a problem as now Ive been double charged. Us bank disagrees with this. The running balance was never credited for the amount of the dispute. And now us bank has decided to double charge me.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

Since 2019 the intrest rates have risen from 15 % to 21 % without any justification. 
I request that the CPA request and publish the banks and credit card companies reason for the high rate of increase, especially in light of their increasing profits. This is an area where the government should control the price gouging by major companies.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is THE GENERAL IN COMPANY. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation.