davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am writing to bring to your attention a distressing incident of identity fraud that has recently come to my notice, and to seek assistance in resolving the associated issues. Upon reviewing my credit report, I discovered unauthorized activities that have resulted in fraudulent debts being attributed to me without my knowledge or consent. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your support in addressing this matter. 

I have also checked that there are unknown addresses on my account that i did not have any cluse of. 

The fraudulent activities in question include debts totaling {$4300.00}, which have been falsely associated with my name. It is important to note that I did not initiate or authorize any of the transactions reflected on my credit report. This discovery has caused significant concern and distress, as it indicates a breach of my personal information and potential identity theft. 

I want to emphasize that I took immediate action upon discovering these discrepancies by filing a report with the Federal Trade Commission ( FTC ) for fraud. I have also initiated the necessary steps to dispute the fraudulent accounts and transactions with the relevant financial institutions and credit reporting agencies. However, I believe that the involvement of the CFPB is essential in ensuring a thorough investigation and resolution of this matter. 

Enclosed with this letter are copies of my credit report highlighting the fraudulent debts, as well as documentation related to the report filed with the FTC. I kindly request the CFPB 's assistance in investigating this case of identity fraud and taking appropriate actions to rectify the inaccuracies on my credit report. 

Additionally, I would appreciate any guidance or resources that the CFPB can provide to help me navigate the process of resolving this issue and safeguarding my personal information against future incidents of fraud. Your expertise and support in this matter are invaluable, and I trust that the CFPB will take prompt and decisive action to address my concerns. 

Thank you for your attention to this urgent matter. I look forward to your assistance and cooperation in resolving this distressing situation.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have filed numerous disputes with Experian and the continue to report an inaccurate bankruptcy on my credit report. XXXX XXXX has verified that I dont have a BK, also, Ive sent them copies ( XX/XX/XXXX ) of my report as proof and they still will not delete this record. They claim that they did an investigation but one of the phone reps told me that XXXX never verified the bk. Also , XXXX has sent them a dispute asking the to correct the issue but the wont. XXXX has even confirmed that they never did an investigation or contacted them about this item. Although I have sent in my current consumer report from XXXX whom their claiming supplied them this info and XXXX has sent in a dispute requesting that this item be deleted, they will still not correct this.
Consumer complaint received 2023-02-13
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. (NY)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-02-13
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. (TX)

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 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 2020-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

A company I have never heard of, " XXXX XXXX Wakefield and Associates '' reported a collections on my credit report, of an amount of {$690.00}. I did not even know this company existed until I looked at my credit report. I have never received a bill or anything from this company. I have no documents to provide you from this company. I have attempted to dispute this on XXXX XXXX. I believe this is fraudulent! This is taking a negative effect on my credit score and needs to be removed now.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a judgement from XXXX XXXX XXXX, and a municipal court that said I owed {$3000.00} and they are adding 5 percent interest on a card that I believe to have been opened fraudulently. It was from capital one and it was opened in XXXX. The last time I had a credit card from capital one, it was closed and paid off in XXXX. Even if it is my debit, it is well past the 7 year drop off period because they bought the debit. I have disputed it over the last few years with the credit bureaus and they took it off my credit report recently. Then Monday the XXXX of XXXX, I received the judgement now threatening wage garnishment. I called XXXX directly and the lady was rude. I told her they couldnt add years to this debt just because they bought it, and I still believe it to be fraudulent, however she told me it wasnt illegal to buy debt regardless of if I told her it wasnt accurate.
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

In XXXX of XXXX, my mortgage was sold from XXXX XXXX to Mr. Cooper Mortgage. Our first automatic payment was made on XX/XX/XXXX. The following day, Mr. Cooper tried taking a 2nd payment to " ensure their were enough funds ''. They claimed that there was a " online web payment '' made by the customer ( me ). 
XX/XX/XXXX ( XXXX Bank record ) - Payment of {$2000.00} - Payment of {$2000.00} - Return of {$2000.00} We had to call our local bank to let Mr. Cooper know that the original payment had cleared and not been returned. 

The second payment caused an overdraft fee. 

The following month, 3 more payments were deducted from our account. Mr. Cooper continues to claim that online web payments are being made and that they are not responsible. 

XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Payment of {$2000.00} - Return of {$2000.00} XX/XX/XXXX ( XXXX Bank Record ) - Pending Payment of {$2000.00} We have not authorized or made ANY payments to our mortgage provider ( Mr. Cooper ), outside of the Autopayment that is arrainged. 

I've now attempted to resolve the situaion on XX/XX/XXXX via telephone with Mr. Cooper, and XX/XX/XXXX via telephone where we've reached out and called XXXX Bank to resolve any issues of payments. 

I've been unsuccessful and would now like to file a complaint against Mr. Cooper after seeing that there have been multiple lawsuits against Mr. Cooper and their billing practices.
Consumer complaint received 2020-03-09
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)

On XX/XX/XXXX : I checked my Equifax credit report and found there was a hard inquiry from a company I did not recognize for an inquiry I did not authorize or ask for. This was from " XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX '' The hard inquiry was made on XX/XX/XXXX. 

I made a dispute with Equifax. About this inquiry. 

On XX/XX/XXXX : I received a letter from Equifax saying this hard inquiry was valid, and to contact the company to figure out why. So I did some XXXX  and found out that this company is a scam. Many XXXX  reviews say that this same thing has happened to them and that Equifax can not remove the hard inquiry. 

On XX/XX/XXXX. 
I tried to call them several times including The company will not answer. They do have a website and have no other way to contact them. I can not find them or get an answer to why this is on my credit.
Consumer complaint received 2024-03-28
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I did a promotional purchase in XXXX for {$1900.00} 0 % interest for XXXX  months. Account was set to pay statement balance so it paid the entire amount. Synchrony bank refunded my money but did not put it back onto the promotion account. But under the normal interest so i have been collecting interest on it ever since. Ive contacted them XXXX  times and each time they say theyve fixed it but im still being charged interest
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (FL)

Ollo credit card merged with ALLY BANK-i received an ally credit card and I tried numerous times to create online account and can not because ally bank in the merge from ollo bank never received data files that match any consumer birth date and social security number. I have to call every month to make a payment and I am unable to view account history to make sure my billing is correct or make a payment. I cqnnot even create an account through mobile application. This happened to every ollo card per customer service at XXXX and technical ticket were submitted and closed. I tried in XX/XX/2023 to get online act and my birthday and social security even thougj i been an ollo customer for years is not matching and ally bank is aware and not able to resolve. I can not close my account because it will hit my credit. I tried to get escalated to manager and never got a call back and it has been almost a year.
Consumer complaint received 2023-02-12
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality u Der 15 USC 1681. XXXXXXXX Account  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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-17
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. (MO)

Credit Bureaus are showing accounts that do not belong to me. I filed a police report about the identity theft or incorrect information months ago. There have been some of the inaccurate things removed but others still continue to populate the reports. There are also inaccurate prior addresses that they still have not removed as well as some inquiries. There is a company " Credit Collection '' saying I owe two different accounts XXXX*** and XXXX*** both on my Experian and XXXX  Reports . There is also an XXXX  account XXXX**** that was never mine..
Consumer complaint received 2020-03-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (CA)

A notice from AmSher sent to me indicating I owed an unpaid balance from XXXX XXXX and never in my life have I EVER used XXXX XXXX. I did not attempt to contact AmSher because the notice had my last name spelled completely wrong. This to me was a red flag and I did not want to be scammed into collecting my information. I researched AmSher and because there is a website, I don't know if this is a legitimate business, but there is also lots of complaints about them. I know that I do not owe anyone any money and that this company is sending me a false claim and it should be reported. I also do not want to be their victim.
Consumer complaint received 2020-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A/R CONCEPTS, INC. (IL)

A/R Concepts, Inc. has listed an amount owed to XXXX XXXX XXXX XXXX ( original creditor ) in the amount of {$160.00}. To date, I have been unaware of this outstanding debt nor that it was listed under collections on my credit report. A/R Concepts never provided me with a formal letter notifying me of my right to dispute such debt. This debt is not valid and I request it be immediately removed from my credit report. Thank you.
Consumer complaint received 2020-03-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX my card was charged XXXX and XX/XX/XXXX for XXXX by a company called XXXX which is now called XXXX XXXX XXXX for a ecommerce website to be built. Was told it would be completed by the end of XX/XX/XXXX. It is now XX/XX/XXXX, with no website and no refund. The company is ignoring my emails and calls. Bank of america says it falls outside their timeline to dispute. As of now XXXX has stolen this money from me and B of A will not take any recourse to help me.
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (MN)

I have been charged overdraft fees by TCF Bank while my account was in the positive, and the bank refuses to reverse them. Furthermore, that overdraft fee has caused subsequent overdraft fees to happen which they also refuse to reverse. Of the over {$300.00} in bogus overdraft fees, they have only reversed {$100.00}.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Penn Credit Corporation (LA)

XXXX XXXX XXXXXXXX filed a collection. I had filed police report and froze my social security number. Also filed filed with Federal Trade Commission and it was removed couple of years ago but XXXX put it back on my report. This is fraud as someone used my social security number. I had to unfreeze it because I lost my home in hurricane Ida and I had recently retired. This account is not mine and someone stole my information.
Consumer complaint received 2020-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Consumer complaint received 2023-02-13
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Complaint against : Resurgent Capital Services & LVNV Funding LLC Ref : XXXX On XX/XX/XXXX, Resurgent Capital Services/LVNV Funding LLC was contacted by certified mail, advising I have never heard of them & do not owe LVNV {$2700.00}. 

On XX/XX/XXXX, Resurgent/LVNV  contacted me again in reference to same debt & continues to harass me to pay LVNV {$2700.00}. I do not owe this! 

The 1/2 page " Account Summary Report '' prepared by Resurgent Capital dated XX/XX/XXXX is not from the original creditor, XXXX  XXXX, XXXX. & is not sufficient & is unacceptable. It does not prove the alleged debt is in my name. No Bill of Sale they are authorize to collect or own this debt? They are trying to collect a debt I do not owe. 

Also, in the Summary Account, Resurgent didn't include the address of the Current Owner, to whom they claim is LVNV Funding LLC or any recognizable account number? Where did they get my name. Is this a scam? 

Resurgent didn't provide full verification and documentation that there is a valid debt : receipt ( s ) or statement ( s ) in Acct Summary prepared by them, showing what this debt is for in the amount of {$2700.00} or who signed the written agreement with XXXX XXXX and/or LVNV Funding. 

Who is Resurgent/LVNV Funding? Do they have a collection license from the S

tate of Texas? Again, I dispute this debt and do not have any responsibility for the debt they are atte
mpting to collect.

I have requested they stop all communication with me and record that I dispute having any obligation for this debt.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

After creating my Buisness for my XXXX XXXX Via incfile I was directed to Bank of America sign up for buisness credit application. After providing all SSN and EIN and being mislead of account opening success. As well Bank of America made me sign there disclosure document which gave interest and terms breakdown. Then denied after Acceptance
Consumer complaint received 2023-02-13
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. (PA)

XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2014 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.