davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capitol One Credit. 
XXXX I have reached Capitol One Credit dept and all 3 credits bureau to remove the delinquent filed by Capitol one XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, Capitol one purchased Lord and Taylor Credit Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account Lord and Taylor in full and had no issued. 

I was told by Capitol one customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
Capitol one did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted Capitol one and paid the amount due on XX/XX/XXXX. Capitol One file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. Capitol one report is incorrect as there was no balance due on my Lord and Taylor account. Capitol one added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of Capitol one my credit has been tarnished for seven years.
Consumer complaint received 2023-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (VA)

I paid a collection for XXXX XXXX in the amount of {$960.00} on XX/XX/XXXX via my debit card. They still are sending me emails ( see below ) as of XX/XX/XXXX demanding payment.
Consumer complaint received 2023-12-28
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (CA)

My credit reports show a collections account with Midwest Recovery Systems opened on XX/XX/2019 with an original creditor of XXXX XXXX XXXX XXXX XXXX for a balance of {$6800.00}. I contacted Midwest Recovery Systems and the representative claimed that they mailed a notification to a XXXX California address, but I have not resided there for the oast 2 years and have a new address. Furthermore, a notifcation of intent to collect is the only documentation that Midwest claimed to send. I still have not received proof that the account is valid or owed by me. The validity of this account has not been confirmed with documentation. No paperwork has been sent to me at my current or previous address. I am unaware of the account being opened or owed and it appears to be an error. I am requesting for this account to be removed.
Consumer complaint received 2019-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (OK)

Today at XXXX i received at call from XXXX at XXXX XXXX in XXXX XXXX she asked for my full name and i never authoized for them to call work on contract. She told me if don't make payment today then she will have to go legal on me if i didn't come in office, So i'm requesting the loan be paid off and company get Fined )
Consumer complaint received 2023-06-29
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00}, XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX CXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Im writing with regards to the ethics and lack of transparency of Capital one. 

My current interest yield on my account is 0.3 %, even though their advertised interest rate is over 3 %. When I called to inquire about the disparity, I was told that its because my account type, XXXX XXXX, is outdated and has been discontinued. 
However, at no time was I notified or contacted by a rep to alert me that I am not receiving the typical yields due to my account product. This lack of transparency is disingenuous, bordering on unethical. 

My concern is for people who are not computer savvy or do not have the time, means or resources ( I.e, elderly, those in underserved communities ) who will be disadvantaged by their lack of disclosure. 

Something should be done about this immediately. My husband is trying to convince me not to go to the media with this, but Im having a hard time finding a reason not to.
Consumer complaint received 2022-10-05
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Co-signed a lease to start XX/XX/XXXX at XXXX XXXX in XXXX XXXX, Tx XX/XX/XXXX Gave 30 day notice of lease termination XX/XX/XXXX Amended notice of termination notice to 60 days as required by lease XX/XX/XXXX Keys were returned via XXXX and apartment was vacated- have proof of del. 
XX/XX/XXXX Received text from XXXX XXXX  asking if keys were returned XX/XX/XXXX XXXX from XXXXXXXX XXXX sent text back stating that she did receive keys XX/XX/XXXX Was turned over to Columbia Dept Recovery LLC - DBA Genesis collection agency stating that I owed money to XXXX XXXX because we moved out on XX/XX/XXXX.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cohn & Dussi LLC (VA)

COHN & DUSSI, XXXX contacted me personally about an alleged debt owed by the corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my personal contact information regarding a business account to this third party without my authorization nor prior knowledge. 

Both of these companies have violated my consumer rights and refuse to respond to my dispute request for resolution.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

NOTICE : Experian, XXXX, and XXXX are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their XXXX  ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (NY)

Ive been disputing inaccuracies and the company keep updating inaccurate information I asked them to do reinvestigation and still account has not been deleted! Consumer reporting agencies havent sent me any description or relevant information on these accounts. Account name- XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Also XXXX keep updating XXXX with inaccurate information please have these accounts deleted! These consumer reporting agencies are breaking FCRA LAWS!!!! 15 usc 1681 ( a ) ( 1 )! 15 usc 1681 ( b ) ( 2 ) permissible purpose! 1681 ( 6 ) ( b ) iii description of procedure! And also a consumer report excludes transactions and experiences accordance to 15 usc 1681 ( a ) ( 2 ) i please please delete!
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I received a notice in the mail from Transworld Systems Inc about a debt to XXXX XXXX Hospital. The amount they demanded is the same as the bill I just paid. I called the number of Transworld listed on the letter ( XXXX ) and was asked for my birthdate for " verification purposes '' and I am afraid I have been scammed. The operator told me to disregard the notice.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 2233 Paradise Road LLC (TX)

I received an email at an old email address I rarely use ( XXXX ) thanking me for applying for a loan. Then another saying my loan agreement was ready to sign. 

I replied back to the emails that I did not apply for any loan and asked for the application information, IP address, and device used to apply. 

Today I received an Adverse Action email from them stating they could not approve my loan. 

I never received any response from them. 

I have never applied for a loan with them and would never use an online loan of this type.
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc. (HI)

XX/XX/23 - I started an application for a personal loan through AVANT. I did not submit the loan application because I needed to update my address. I thought my change of living location could impact the loan. 

XX/XX/23 - I called and spoke to a representative at Avant to update my address and personal information. That was taken care of immediately. 

XX/XX/23 - Promptly after speaking with a representative about my change of address, I filled out and completed the personal loan application. 

XX/XX/23 - After filling out the personal loan application, I was told I was qualified and received an email stating that I had been qualified for the loan and to go to my dashboard to determine how I would like to receive my funds. I did as the email asked, signed the loan, asked for an ACH money deposit, and submitted it. As soon as I did that, I was closed out of the window for how funds were to be received and taken back to my account dashboard which had a notification stating I did not qualify for the loan. Under my account history, it stated that my loan application was declined on XX/XX/23, even though I had never submitted anything on XX/XX/23. 

XX/XX/23 - I received multiple credit alerts that a hard credit check had been conducted and that my XXXX XXXX went down because of this ( because I was qualified for the loan ) XX/XX/23 - I called Avant back to figure out what was going on. All I was told was that this issue has been " escalated '' and they would review my case. Whatever that means. 

XX/XX/23 - I emailed customer service regarding the issues presented above and received an email that things had been sent to the " appropriate department '' and if I had any further questions to email or call XX/XX/23 - I called customer service again to determine what was going on since all of the information I have been provided in the last three days has been generic and lacking any sufficient detail. I had to call twice because my call was dropped initially. Once I finally got a hold of someone, it was the same information I have been given the last XXXX days which was, " you're problem has been escalated to the appropriate department and they are still reviewing your case '' This is totally unacceptable. Not only was I told I received a line of credit and did not, but it has impacted my credit score because the inquiry went through. I haven't received sufficient customer service or information. I'm just passed along to another person who can't tell me anything of importance. This issue should not take three business days to figure out. I am beyond furious.
Consumer complaint received 2023-01-20
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (KS)

To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Case # : XXXX XXXX. Account # : XXXX XXXX. Name : XXXX XXXX XXXX. Tel # : XXXX ( Cell ) / Email : XXXX XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX KS, XXXX My name is XXXX XXXX. Id like to dispute unauthorized transactions from my checking account on the XXXX, and XXXX of XXXX, XXXX. And I also request to update my current address given above. 
I had moved to XXXX  from XXXX  in XXXX, XXXX and XXXX havent checked my checking account balance for a while because there wasnt any branch of Citibank here in Nebraska. Meanwhile, identity theft made several deposits to my account and withdrew my money from my account on the XXXX, and XXXX of XXXX, XXXX. 
I came to realize that my account was bounced by overdraft and Citibank automatically closed my account. So, I couldnt access internet banking to get bank statements in order to report this issue to the police. I tried to contact Citibank representatives to report this issue several times but they told me that the investigation was processing now and I need to wait until Citibank will contact me. So I visited branches of Citibank in California and reported the unauthorized transactions. They told me the same thing. 
I have been waiting for the reply for XXXX  months but I havent received any response from Citibank. This morning, I called Citibank customer service one more time and got the information on how to appeal this issue to XXXX XXXX XXXX XXXX XXXX directly. And I requested to update my current address and contact number but the representative wasnt able to do that. So, I would like to request to change my current address and phone number as well. I look forward to hearing your answer about the unauthorized transactions from my checking account and starting out the investigation about my request immediately. 
If you have any questions regarding my request, please contact me at any time. I appreciate your help. 

XXXX XXXX
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

I received a call from someone claiming to be from XXXX 's card-I had the XXXX Airlines card through them. I XXXX  the number and it came back as legitimate. I was told there were fraudulent charges on my card. I spent XXXX hours on the phone as they contacted companies disputing the charges while I remained on hold. The agent also asked me numerous personal questions, supposedly for id in case of theft. Also they set up travel alerts. I was also informed the card was cancelled and new one was issued. 

I checked the account the following morning and discovered that the account had not been closed and there was another $ XXXX in charges. I called the company and was told the account wasn't closed but the disputed charges from the night before were cancelled along with added on special travel alerts. I asked why I wasn't notified of the charges and why the account had not been closed. I was informed that as long as they didn't accept the charges it was ok!!!. 

Needless to say the standard with XXXX is once they are aware of false charges the account should be closed. The company was negligent in not notifying me and in not closing the account. I wrote a number of letters of complaint to the company and was ignored.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

XXXX  AND EXPERIAN HAS YET TO REMOVE ACCOUNTS THAT DOES NOT BELONG TO ME OR MAILOUT ANY PAPERWORK SHOWING THAT A DISPUTE HAS BEEN DONE
Consumer complaint received 2020-01-02
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. (FL)

XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$620.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and has a {$0.00} balance due. Reporting this account as a collection/charge-off is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-03-04
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. (TX)

There seems to have been an account opened for XXXX under my name. My identity has been compromised in the XXXX and XXXX security breach as well as others. 

I am not liable for this debt with XXXX and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.
Consumer complaint received 2020-01-02
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. (CO)

XX/XX/XXXX I wrote to each of the 3 credit bureaus : Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Creditor : XXXX XXXX, Account : XXXX Reason : Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Then again on XX/XX/XXXX whe I disagreed with the results : Creditor : XXXX XXXX, Account : XXXX Reason : The status on this account is incorrect and This account was paid in full. Delete collection/chargeoff because it is inaccurate. Delete comments because they are unproven. 

It has been months of back and forth with the bureaus and XXXX XXXX and changes to mistakes on the reporting. ( 1 ) it was not a repo and XXXX did not provide a debt validation to me ( see attached ) so how did they respond to the bureaus. ( 2 ) One bureau corrected it only to later change the reporting. ( 3 ) a charge off can't be paid and have a {$0.00} balance. I don't know what XXXX is trying to pull but I made the payment on this account according to the contract and now they are trying to do some bait and switch tactics while acting like I didn't write to them. This is ridiculous! It's hurting my score and making me look bad. Please remove this inaccurate reporting! 

And shame on the credit bureaus for not doing a through job!!!