davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC code 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account with my written instruction under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2022-07-22
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. (CO)

In accordance with the Fair Credit Reporting XXXX account XXXX XXXXXXXX, XXXX account XXXX XXXX XXXX and XXXX, XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity theft. I have suffered tremendously from this. However, yes I received a letter from XXXX XXXX that they have realized I have suffered from Identity theft and removed this of my credit report.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my Capital One. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto-pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me INCLUDING CAPITAL ONE. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Remove these late payments now!
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (NY)

Deposited a check into my WELLS FARGO mobile banking on XX/XX/year> and they are holding 92.5 % ( thousands of dollars ) of the funds until XX/XX/year>. WF says they havent received the funds or it hasnt cleared or something. I dont understand how my funds can be withheld for this long. Its ridiculous. These funds were deposited because I need to pay bills on the XXXX of XXXX
Consumer complaint received 2021-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (GA)

I was contacted on XX/XX/21 about a debt to XXXX XXXX which was being handled in collections by CAPITAL ACCOUNTS LLC. They offered me a settlement amount of {$520.00}, which would be offered for TEN DAYS. I paid this settlement amount in full on XX/XX/21 and have receipt of payment for that amount. Documentation for settlement and for receipt are attached. 

The company continues to call me and has continued to list an additional balance on my credit report for this same debt, which is completely fraudulent since I paid my settlement amount in full and have documentation to prove it. 

Debt collector contact info below : Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX www.capitalbillpay.com
Consumer complaint received 2021-02-12
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. (FL)

XXXX XXXX XXXX XXXX has been fraudulent in their actions towards me. 
XXXX XXXX XXXX XXXX has been fraudulent in their actions towards me. My vehicle loan was through XXXX XXXX, my car was sold at auction and the Proceeds from the sale were used to pay off the remainder of the loan. A few months after I receive a letter saying I owe XXXX XXXX {$29000.00}. I called XXXX XXXX & they said they went ahead and placed Forced insurance on my loan. They said they added XXXX a year for 3 years, which is about how long I had the car. This is the most fraudulent thing I have ever seen. My car was garaged and I was traveling if there was ever a gap in my insurance & to destroy peoples LIVES by putting this on their credit. My credit has a XXXX derogatory remark because of this fraudulent behavior. How do you expect anyone to afford such an outrageous policy regardless of what kind of car it is. If XXXX XXXX does not remove this from my credit I will file suit. I will not stand by and allow this kind of behavior. How could you do this to people? How do you sleep at night, tacking on tens of thousands of dollars to people 's loans that trusted you for their financing. You are fraudulent & I will be sure to involve social media if needed. Do not send me a long response trying to explain why you did what you did, it is so fraudulent I'm sure a judge will see it that way as well. Please remove from my credit immediately
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NH)

I received an award along with a {$50.00} American Express gift card from my employer earlier this year. I went to use the card, only to find out it has already been used to make a purchase on XXXX and only has a {$7.00} balance. I called American Express customer care, only to be told that the card is treated like cash and I have to resolve it with XXXX. I called XXXX, only to be told that I need the account information of the person or business entity that made the transaction. They refused to look up the transaction by the card number. I'll never know the account information of the person or business who used my card, and I had to pay taxes on this gift from my employer. This is incomprehensible.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax I have a Question Why are you contacting XXXX on this account Where do they get there information that you don't you use the same e Oscar and metro information as XXXX. or are they getting there information some where else and supplying it to you now. your statement seems strange { we've sent your dispute to XXXX, and we'll let you know when its complete }
Consumer complaint received 2022-03-01
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. (PA)

In accordance with the fair credit reporting act XXXX Account : 1. XXXX XXXXXXXX XXXX ACCOUNT # XXXX 2. XXXX  # XXXX 3. XXXX  # XXXX 4. XXXX # XXXX 5. XXXX XXXX # XXXX 6. XXXX XXXX  XXXX # XXXX 7. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX  XXXX # XXXX 10. XXXX # XXXX 11. XXXX XXXX # XXXX XXXX. XXXX # XXXX 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
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I was charged monthly through my Wells Fargo account by XXXX without my consent on XX/XX/XXXX - XX/XX/XXXX in the amount of {$1700.00}. I got a police report and giled a complaint with XXXX as well, but nothing ever happened with that either. I have been a faithful patron of Wells Fargo over 50 years and applied for a bank card in person on XXXX XXXX and was denied. I would also like to be considered for the investigation of the ( veterans, account overdrafts, extra charges, ect. ) that's included in the XXXX - XXXX account cases.
Consumer complaint received 2020-07-29
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. (UT)

I disputed the account XXXX act # XXXX*with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX  account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX  account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX  account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST
Consumer complaint received 2018-04-16
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: EQUIFAX, INC. (OR)

On XX/XX/2017, I was spoke to XXXX XXXX in XXXX, Oregon about purchasing a used vehicle. I am XXXX as a XXXX XXXX who does XXXX XXXX XXXX, and while I realize lenders don't like that, I didn't expect them to put 11 hard inquiries on my credit. Also, they put that I worked at XXXX and XXXX XXXX XXXX. I've never worked at XXXX, and I didn't tell them that I worked at XXXX. And, as far as I know, there is no XXXX XXXX XXXX and I don't have a company by that name, or any company for that matter. I was told by XXXX  and Equifax that I can not dispute the information, and that I would have to get a letter from the dealership. When I call the dealership, they will not speak to me or they take a message and no one gets back to me.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To the CFPB, I XXXX XXXX is filing a complaint for discrepancies within my credit report of improper documentations.. 
According to Per 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

The discrepancies starts with the credit agencies themselves : The Balances are different The Closed accounts are different The Inquiries ( 2yrs ) are different The discrepancies with Capital One are : The Original Balance are different The Last payment dates are different The date that it was opened are different The discrepancies with Capital One Auto are : The Original Balance is different The Last payment dates are different The dates that the credit was opened are different The status of the account on certain dates are different The discrepancy with XXXX XXXX XXXX are : The open dates are different
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MA)

I lost my job and my mortgage lender sold my account to a debt collection company specializing in foreclosure. This debt collector got my account when I was five payments behind on my mortgage. From that moment forth they have told me they wan na help me modify my mortgage and do whatever is possible to keep me in my home. For the past 30 months I have sent them all my financial documents every time I gained employment, I have showed them several different ways that I am capable of paying my mortgage and an additional monthly determination to pay back the default amount. Each time I give them supporting docs They dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past three months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dropping me as they have many thousands of people.they dispute the documents and keep collecting their monthly fees. The fees are 1.5 times my monthly mortgage payment per month. In the past 30 months I owe {$45000.00} in back mortgage payments and {$77000.00} in fees. I thought they were trying to help me, but it seems like they are helping themselves. I have done research on the company and they are dumping me as they have many thousands of people They are forcing my foreclosure and I was told to ask somebody for help. I have recently filed another appeal with Selene finance. They have told me from day one they were going to sell my house and I think Im at my wits end with them and Im not sure what to do. I can afford my mortgage but my credit is low and I can not get refinance. With this bank is doing to me is wrong, Im not sure if its a legal. I dont think they ever wanted to help me, I genuinely believe their intent was to sell my house when they knew the value was greater than the loan amount. I dont think it is fair of them as a debt collection company to not except payments from me besides the final amount which they kept increasing monthly. I have lived in this house for almost 20 years, and before this happened I had only missed a couple payments. These people are unfairly taking advantage of me.
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

My FICO score drop to XXXX from XXXX suddenly on XXXX and when I search for " WHY '' i got notify from the bank to go for a credit report at XXXX which I did got the report. Per report- a Debt collection account opened on XXXX with a balance amount of {$170.00} which I didn't aware of that. I contacted with them and got replied- they sentmailed me and also call my cell-phone number but none of the calls or even letter I didn't received from them not even any debt related noticed. I moved from my old address to the new address on XXXX. I did the address change at USPS at the same time when I already moved and I received all my mailed that delivered to the old address and still continuing receiving but again- I didn't received any mail or noticed related with Debt collection. However, when I verified my address with the collection department they have my current address. 

NOTE : I didn't received any prior noticed or calls regarding this issue and my credit score drop due to collection department Debt procedure which damaged my credit history as well as to purchase my new vehicle and also to purchase some home appliance stuff. 

I would like to request to pay attention to this matter and help me to resolve this issue as soon as possible.
Consumer complaint received 2018-03-12
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: EQUIFAX, INC. (NJ)

I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with XXXX over the last nine years. I have discovered that they ran my credit twice on XXXX/XXXX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.
Consumer complaint received 2024-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IA)

This debt is not mine at all i have never purchased a XXXX XXXX, the only car i have under my name is a XXXX XXXX XXXX and its been paid off. I would like to see any documents regarding this account and the purchase agreement so that i may review it. Otherwise this company is reporting fraudulent inaccurate information on my credit report.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC (FL)

Debt recovery solution last reported on XX/XX/XXXX {$1900.00} and the second {$910.00} on XXXX XXXX XXXX XXXX XXXX  under the law section 609 A Federal Law I have the right to see both of these account listed below with my signature when it was open and proof or it must be removed this account under my name in 30 days thanks under section XXXX XXXX -A Delete all information which can not be verified thanks in advance XXXX XXXX XX/XX/XXXX / ss last four # XXXX
Consumer complaint received 2021-06-01
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: AMERICAN EXPRESS COMPANY (FL)

Hello, I recently had a situation where an individual was soliciting people in our neighborhood to send them money for what he claimed was for charity purposes. Problem is he was not letting people go easily and I did not feel safe in the position where I was coerced into giving them money so they could leave me alone. Specifically it was {$100.00} that I sent to him from the AMEX application directly. I called AMEX and they informed me that they do not think this was life-threatening so I do not have a case to be made. My problem is I did not want to submit this transaction, but rather I was coerced into doing something I did not want because it was what I felt was safer for me. The AMEX representative insisted that he does not believe that I was in any danger and that I could have ignore this individual despite what I just emphasized about not feeling safe. He said if I were life-threatening then he could report it but he insisted that he does not think I was in any danger and offered no recourse or viable resolutions. Im truly upset with the judgement from this individual which is very unlike what I am accustomed to from this company. I hope we can correctly categorize this situation and dispute this transaction as I clearly did not feel safe in doing this transaction and the representative did say it is disputable if it were life-threatening. I hope to hear back and have a resolution to this issue.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have made several phone calls to equifax attempting to correct my credit report for two months. I informed the company that I have 7 hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not requested or applied for any type of credit. Equifax refuses to research the situation with these companies directly and remove these inquiries. I have not signed or made any agreements with any of these companies and I informed equifax of the federal laws and they wont remove them. Please help me get my report corrected.
Consumer complaint received 2021-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I advised ARS Account Resolutions that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. One of the items is for {$58.00}! When calling the company today they advised they will not remove the debt and I need to pay it or charges will be filed against me. I want all 3 items removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

A XXXX credit card was opened unknown by me. According to XXXX this issue was resolved and I was told I was not responsible for this debt back in 2018. This debt was sold to LVNC and XXXX debt collections. They are not trying to collect this debt and have threatened to sue me. When I ask for validation all they send me is a statement. There is no proof that I opened the account. Even XXXX CSR 's told me that the account was not opened in Virginia. Please investigate.