davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I was working for my former employer I worked three pay periods and was paid once with a cold check, attempted to deposit the check that I assumed was good into my Capital One 360 account. The check bounced I have felony charges on them through the XXXX XXXX XXXX  Sheriff 's Office for theft of services in the amount of {$4400.00} dollars. I have also submitted the forms and a copy of the police report to Capital One and have also spoke to them on the telephone numerous occasions about this subject, and have added a written statement to my credit report on XXXX XXXX and XXXX. Most recently I attempted to open a checking account through XXXX XXXXXX/XX/XXXXand was denied a normal checking account because of information on the XXXX. I'm the victim of a crime and being treated as if I'm the criminal. Capital One did an investigation and found I wasn't at fault but yet I still have this stain on my record. I reported this to the FTC the IRS & the XXXX  XXXX Treasury due to now I'm having unearned earnings filed in my name reflected on my most recent W-2. I have numerous documents to prove my allegations and MORE than willing to submit them to ANY agency that can or will help me. 
Lastly I do have one other blemish due to Worker Comp but I'm currently in litigation with them for payout and unpaid bill coverage, they were the responsible party and I will be submitting a separate complaint on this issue.
Consumer complaint received 2023-05-03
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: Affirm Holdings, Inc (DC)

Dear Affirm, I order you to IMMEDIATELY CEASE AND DESIST reporting ANYTHING about me or my financial information to any of the Credit Reporting Agencies. This includes XXXX, XXXX, XXXX and XXXX XXXX, and ANY Credit Reporting Agency that I didn't mention. YOU HAVE VIOATED MY CONSUMER RIGHTS, under the CONSUMER LAW : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

I have NEVER given you, Affirm, written permission to report ANYTHING to ANY Credit Reporting Agency about me or my finances. 
I demand that you remove ANYTHING that you have reported about me and DO NOT report ANYTHING about me in the future. 
Any further reporting to any Credit Agency WILL BE CONSIDERED A VIOLATION OF MY CONSUMER RIGHTS, DEFAMATION OF MY CHARACTER THROUGH LIBEL, HARASSMENT AND EXTORTION. 
I WILL IMMEDIATELY TAKE LEGAL ACTION AGAINST YOU, TO THE FULLEST EXTENT THAT THE LAW WILL ALLOW! 
Sincerely, XXXX XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-16
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Payment never late successful iconSubmitted XXXX XXXX Not mine or No knowledge of account successful icon
Consumer complaint received 2023-01-24
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. (GA)

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 items. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.
Consumer complaint received 2023-01-17
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. (CA)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account and remove all the late payments : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-03-12
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. (OH)

I recently filed a report about my credit report having various name spelling multiple addresses and an account with XXXX XXXX that was paid in full. However on my report it shows that I owe XXXX  XXXX multiple name spellings and various addresses which are not mine, and hard inquries I am providing further proof with this receipt and I will list below and document section to prove I don't owe XXXX  XXXX. And this is also a reminder to remove all information that I requested in the first letter. I received the response and the response said that I was unable to speak for a non authorized account which both of the accounts actually belong to me with the incorrect account information. I will be calling Monday to speak with someone to correct an update the information again. This is causing me distress, I am trying to buy a car and the house and this inaccurate information it's causing me not to be able to meet criteria These are inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX ohio And same address listed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries I have never done business with them XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX  in all hard inquiries listed
Consumer complaint received 2023-01-17
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. (TX)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$150.00}, XXXX XXXX XXXX Balance {$430.00}, XXXX XXXX XXXX Balance : {$720.00}, XXXX XXXX XXXX Original XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00}, XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$260.00}, XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance : {$0.00}, XXXX AND XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, there was a charge for {$2400.00} debited on my account. I called chase to file a claim and they gave me a credit for my money back. A week and half or so later, I get another charge, this time for {$3000.00}, same merchant. {$5400.00} in less than 2 weeks or so. I called chase to file a claim again, but they denied the charge for {$3000.00} claiming they found " no evidence of fraud ''. I am 100 % positive that if I were the one using {$3000.00} of my money on something, I would be aware of it. Just today, they reversed the claim for {$2400.00} citing there was " no evidence of fraud ''. As a bank you really can not do that and just XXXX your customers over ... .thats why people change banks. I called customer support and they were of no help really ....
Consumer complaint received 2018-11-07
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (MI)

I was under a vehicle lease agreement with GM financial for a XXXX XXXX Pickup Truck. All monthly payments were paid in full on time for the first 36 months, up until XX/XX/2018 when a clerical/technical error in the GM payment system stopped my payments from being withdrawn from my account. 

This resulted in two months of missed payments ( {$530.00} ), however GM Financial claims to have called a phone number regarding this situation that was no longer associated with me. No notification was given via alternative phone numbers or numerous email addresses associated with the account until XX/XX/2018. At that time, immediate action was done on my part to pay the outstanding balance in full. 

I then learned that my account was reported to the credit agencies as a delinquent account. I disputed this with GM Financial, they acknowledged that the notifications were sent to a phone number that was no longer connected to me and that no other forms of communication regarding the ceased payments through the GM Financial system. They also acknowledged that the payment was received promptly once I was properly notified, however they would not rescind the notification to the credit agencies. 

I was told that they ( 1 ) refused to investigate the issue within the GM Financial payment system, ( 2 ) would not revoke the delinquent notice to the credit agencies, and that no further action would be taken by GM Financial.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

on XX/XX/2022 usaa savings bank got a copy of my XXXX credit report i didnt not try to apply for anything with you guys on that day please remove inqury from my report
Consumer complaint received 2018-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (NY)

I XXXX from XXXX College in Maryland ( now XXXX University ) in XXXX and from University at XXXX XXXX XXXX in XXXX. I have a loan from the XXXX XXXX XXXX XXXX ( XXXX ) that has been serviced by Great Lakes since at least XX/XX/XXXX. I am in a standard repayment plan, with monthly payments of {$350.00}. 

Over the years, I have diligently made extra payments on the loan in an effort to repay it earlier. Great Lakes never gave me the option of applying 100 % of those extra payments to the principal of the loan in order to reduce the principal and thus the amount of interest being charged. Instead, even while I made the automatic monthly payment of {$350.00}, they applied a portion of each extra payment to principal and a portion to interest, considering me to have " paid ahead '' on the loan. I did not wish to " pay ahead '' but to reduce the principal beyond the amount that the monthly payment did in order to make headway on repayment. 

Finally I took advantage of the fact that I am paid ahead to XXXX, and I stopped monthly payments sometime within the past year due to some income issues in my family. I started making monthly payments again this month, but now the amount of interest outstanding is over {$1000.00}, and all of the repayments are applied to that interest amount first. 

Great Lakes practices seem out of step with normal loan servicing practices and hurt consumers like myself who are simply trying to rid themselves of student loan debt burdens. 

I am not able to provide my account history. Great Lakes only provides statements for the past year, and since I was not making payments, there is little information available to me. I would be happy to work on reconstructing the history based upon my bank account and other records, but it would take some time and effort.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon checking my Experian credit report I noticed a fraudulent account had recently been placed on my credit report I called XXXX XXXX and the agent could give me any information on the account but only advised me to sign up for a service they offer so they can help my get the fraudulent account removed from my credit report for {$99.00} a month then the agent started asking me personal questions about me what my social security number date of birth and my email and my telephone number made me very uncomfortable after collecting all that information he informed me that he was going to get access to my credit report so he can challenge the fraudulent account for a {$99.00} fee I told him no way I can do that on my owe any how I file a police report with my local police department in XXXX California please remove this information its not mines and I have never done business with XXXX especially around the time of XX/XX/year> 2023
Consumer complaint received 2023-05-03
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX : {$19000.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2021-03-16
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 — Problem with personal statement of dispute
Company: American Coradius International LLC (NJ)

On XX/XX/2021 I was sent a collection letter from American Coradius International LLC for {$170.00}. Upon research, they provided no proof of charge for the account. There was no consent to this collection at all. They did not provide me with any signature or proof this was on my account. According to the FCRA, The American Coradius International LLC has violated my rights as a consumer. I am requesting legal action to remove my collection account immediately.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed XXXX XXXX  account number XXXX XXX in XXXX and XX/XX/2020 with Experian and XXXX  credit reporting agency to verify that this account belongs to me and I also requested their method of Investigation. I also sent a request for validation letters to the collection agency and received no response from them. XXXX  and Experian dispute results stated that this account has been verified but how is this possible when I received nothing from the collection agency with my signature verify that this account belongs to me and how is credit reporting agencies XXXX  and Experian had received anything from this collection agency showing proof of verification I have not received anything. I would like these credit reporting agencies to do a complete investigation
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (AZ)

Paypal has been constantly calling me about an amount I owe them. They call 7 days a week multiple times per day and no one is ever on the line, the moment I answer and try to speak to someone they hang-up or the call fails. They call while I am asleep, driving, and working. This is harassment.
Consumer complaint received 2020-03-12
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. (FL)

I recently examined my credit report and I realized that there are some accounts that are reporting on my credit file that are incorrect. These false accounts are not mine and I have no information on these accounts. I have no idea how someone could have access to my credit report and now due to this, I have no opportunity to acquire new credit. Please perform a reinvestigation into this matter and have these derogatory accounts taken off from my credit file
Consumer complaint received 2021-03-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (OK)

Recieved a letter from XXXX XXXX on behalf of Jefferson Capital Systems LLC in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MD)

XXXX credit card balance is still being reported in my credit report even though I paid the debt via collection agency for XXXX. Settled the debt and paid XX/XX/2021. They continue to report a negative balance and late payments. Requesting late payments be deleted and balance reflected as {$0.00} and/ or deleted from all credit reports.