davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Good day : I have tried to fix this problem with Capital One with the help of Consumer Financial Protection Bureau Complaint per the following details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Capital One responded : " The Spark Business Basic Checking account ending XXXX was originally closed at your request on XX/XX/XXXX '' - THAT IS A LIE! 
Capital One wrote : " The final closeout check number XXXX for {$970.00} was issued to your address on file. Our records indicate you received this check, and it was paid on XX/XX/XXXX. '' - I NEVER RECEIVED THE CHECK! 
The " attached paid check copy '' has an error in the signature! - THAT IS NOT MY SIGNATURE ON FILE SO WHY DID CAPITAL ONE PAY OUT THE MONEY? 
XXXX. XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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. (SC)

I have been contacting the credit bureaus since XX/XX/2021 because of identity theft. I have submitted to them a copy of the police report and FTC report. I asked them to verify the information and although my request meets the FCRA requirements, they will not remove the accounts. They are also reporting these accounts as current which is completely false and inaccurate.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I sent the follow letter to XXXX XXXXXXXX XXXX XXXXXX/XX/year> XX/XX/year> EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to Experian, XXXX and XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-12-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NV)

I withdrew from XXXX University in late XX/XX/XXXX/early XX/XX/XXXX ( see  attached ) due to misrepresentation on the part of the University regarding cost and attendance at residencies. I submitted the withdrawal form requesting any further contact from them be via my personal email, home address and/or home phone. I never heard from them. 

At the end of XX/XX/XXXX I received a letter from Ability Recovery Services stating they had been retained by XXXX University to collect a debt of {$4500.00} and that I had 30 days to dispute the claim. I sent a letter ( see attached ) return receipt requested ( see attached ) requesting information. I never received a response. At the end of XX/XX/XXXX I sent another letter ( see attached ) also return receipt requested XXXX see attached ) stating since they had not furnished the requested materials to not contact me. On XX/XX/XXXX, I received a 10-day letter from Ability stating they were going to " commence the collection process ''. Additionally, I have received two calls from a XXXX XXXX at Ability, which I have not returned as they did not furnish the documentation requested regarding the debt allegedly owed.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-01-23
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. (NY)

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 1681XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on XXXX  and TransUnion and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently
Consumer complaint received 2022-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

I n XX/XX/XXXX, I switched my phone plan to XXXX XXXX. I set up autopay, which has worked perfectly, with a {$0.00} balance every month. I received this threatening letter dated XX/XX/XXXX ( attached ) from Receivable Performance Management for {$130.00}. I would like to know how they found out that I now have service with XXXX and why they are sending out a fraudulent collection letter.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc (TX)

United Resource Systems , Inc. ( XXXX XXXX ) is a fraudulent company that I obtained employment with in 2015. Upon my departure which is well within my rights because Texas is a Right to Work state. The company stated above accused me of not returning all items which I handed all equipment to my Supervisor and was then cleared for all inventory. This is not a debt that I owe but unfortunately a case of bad and mismanagement. 

Im asking for this item to be removed from my credit report. This is not my debt nor has it ever been mine.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (VA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Opened account and about 3 weeks later they advised that I didn't meet guidelines and would be closing the account. The account had a negative balance of - {$160.00} approximately. About a month later my employer mistakenly sent a direct deposit of {$370.00} to the account. On XX/XX/XXXX the automated phone system advised the direct deposit was rejected and would be send back to employer. On XX/XX/XXXX someone or the computer decided to deposit the funds I'm assuming to recover the - {$160.00}, however I am in chp XXXX bankruptcy and I do believe they can not collect. Also an agent that answered at the XXXX number of Chase advised that I made a voluntary payment to the account so I couldn't get the funds back. I said that since they decided to close my account I had sent to my employer an update for my direct deposit so no I didn't choose to voluntarily send funds to Chase. XXXX was rude and then he hung.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (GA)

The use of the debt collection tactic thats in question violates 15 us code 1681b, 15 us code 1681 a ( e ), 15 usc 1692c.
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 belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I received an alert that my credit score had dropped XXXX points on Experian. I opened it up to find that there is an account from USDA NATL Finance Cntr that does not belong to me. It states that I am over 180 days delinquent in the amount of {$1200.00} and I am sure that it is incorrect information. This is the first time of me hearing of this. This is a violation of my credit rights. I have never received a notice in the mail about anything being owed. On my Experian credit report it reads that the account was opened on XX/XX/2021. I have not personally applied for credit or authorized anyone to open up credit or any account on my behalf. This is not my account and it is affecting my credit. I am currently speaking with an attorney for this matter as well.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

We sold our house when it was past due, but were able to get the sale completed before the foreclosure occurred. The account is misreporting the status as " Foreclosure '' and the comment " Foreclosure proceeding started '' is not valid either on EXPERIAN. The account is reporting correctly to the other two bureaus. This is inhibiting us from being approved for a new home loan and demand this error be corrected ASAP. I have tried to contact the bank but unable to get through to someone able to help.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I have called Equifax over fifteen times in the past two weeks trying to find my credit account. They do not have any credit history on file despite me having a credit card for over thirteen years. I am able to get credit history and reports from XXXX and XXXX without issue. Equifax has either lost my account or data.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (VA)

Had a personal checking account, I had few withdrawals back in 2012. My withdrawals were marked fraud in the system and since then I was not allowed to open XXXX XXXX product as black listed and was charged fees for my withdrawals.
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (SC)

I have been contacting the credit bureaus since XX/XX/2021 because of identity theft. I have submitted to them a copy of the police report and FTC report. I asked them to verify the information and although my request meets the FCRA requirements, they will not remove the accounts. They are also reporting these accounts as current which is completely false and inaccurate.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IN)

I.C. Systems Inc.

Dispute Dept./To whom it may concern, Please send me all information that you have on this account. Anyone can send an agreement, terms and conditions, statement, but that DOES not prove that a contract was signed as anyone can fill out an application online that could be bogus. Also, I want a copy of a signed agreement or contract as required by law. If you can not provide this information then I expect a letter of deletion to be mailed to my address as well as the three credit bureaus. 

Account number : XXXX UNVERIFIED ACCOUNT I also would like to know if you are licensed to collect in my state. If so, send me your license number for me to view. If not provided, I will file a case with the FTC, XXXX, Attorney General, and the CFPB. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Regional Management Corporation (NC)

We are 2 months behind on car payment. Called today to make a payment of {$420.00} which is my monthly payment. The caller refuse saying if I didn't have {$600.00}, I had to turn the car in. I asked the caller to explain there policy. Caller stated he was told to only accept {$600.00} from me. I am on a fix income and I make a payment once a month. they refuse my payment but will try to report it to credit bureau like I was late but I'm on time. Caller stated I had to have {$600.00} or turn the car in. I just want to pay my car payment and drive in peace but the works at the location is very rude.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I changed my maiden name back in XXXX. My address changed in XXXX. Since I opened my Capital One account while living at XXXX XXXX, I changed my address to reflect the permanent address. However, their system still showed all this old information. The fact my maiden name was still listed makes no sense. I have not used XXXX since XXXX and that was 7 years before opening my credit card. I called in to correct it all. I spoke with a supervisor named XXXX. His employee number is XXXX. He insisted I mail a completed W9 and my drivers license to Capitol One. I explained that I did not want to send my personal identifiable information via mail since I have been a victim of fraud twice ( once was mail fraud and the fraudsters stole my IRS check ). Capital One has the capacity to accept documents via an upload if they send an email with an upload link. I have uploaded documents this way before, so I know it is possible. XXXX refused. I also explained that Capital Ones controls failed since there was not an appropriate process in place to ensure something like this would not happen. XXXX was not interested in appropriately handling this situation and correcting Capital Ones mistake. He pushed me off even after I said I was going to file a complaint with the CFPB. He said ok, if that is what you feel you need to do. Logically, Capital One could pull a credit report and see my last name is XXXX and that appears on all of my personal documents. I also asked XXXX to verify when my Capital One credit card was opened because that would show evidence that the card was opened long after I changed my name in XXXX. XXXX told me he could not see the opening date. This makes no sense. He works for Capital One. I assume he just didnt want to give me the information because that would substantiate my complaint that Capital One should not have had my maiden name in the system. I called back to ask for a different supervisor and spoke with XXXX and she said her employee number is XXXX. However, one has a 5-digit number and the other has a 6-digit number, so I suspect someone didnt give a correct employee number. XXXX also refused to work with me on this issue. I expressed my concern to her about missing the checking account bonus deadline because their turnaround time to process a name change is 5-7 business days after receiving my W9 via mail. Once that is corrected, then I still would have to go through the process of getting my new account funded in time. XXXX offered no assistance in working with me even though this mistake was entirely Capital One. So, after all this, Capital One may cost me a bonus that I should be entitled to just like every other customer.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!!  Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XXXX.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CA)

I have been trying for a week to get a mini statement showing proof that I have the money in my account to purchase my house. I opened this account online as I am moving to XXXX XXXX  and needed a local bank. 
I have been in XXXX  and am currently crossing the country by XXXX  so I can not go into a physical location. 
All I need is proof of funding that my $ XXXX is in the bank so my home loan can proceed. 

First PNC told me they could not get me a mini statement except by mail or physically being in a location. Then they said they would email, but 5 phone calls and 25 hours later later and the email still hasnt gone through. Then they said they would fax it maybe sometime today after they told me they could, then they couldnt, then they could fax the mini statement. Im beyond frustrated. 
Here I am after hours on hold STILL waiting for a mini statement. 

This is unconscionable. I should be able to get verifiable proof that PNC has my funds any time I need it.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (IL)

US Bank Bought Citizens Bank/XXXX XXXX, but XXXX XXXX owed me a XXXX promotion that still has not been paid. It was those bank at work program get direct deposit get XXXX I will send this to them again and see if they reply