davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (NC)

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that this is being reported efficiently as per the Fair credit Reporting Act regulations. I have done many attempts to reach out the Experian Credit Bureau but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2023, I received a check written in my names from a company that wanted me to offer data cleaning services. They asked me to bank the check and use money to buy a list of software that were to be used in the process. 

On the same day, XX/XX/2023, I banked the check on my account with my bank, Capital one Bank NA. 
A few hours later, my account was blocked and the bank asked me to contact them on Tel : XXXX. I contacted the bank and told them my story of how it all went, and I was told that the check was suspected to be a bad check and that i could have been a victim of an online employment fraud. 

I told then to do the right thing to save us from fraud and they asked me to go through a process of self identify/verification online so as to to remove a restriction on my account. They reps told me that their systems were down twice and on the 3rd call, I was told that the bank has decided to end my banking relationship with it.

I do not know why I had to be punished by the bank to close my account since I was not in anyway involved in writing the allegedly bad check and was only a victim of the alleged fraud. 

I am therefore requesting that you investigate, and where possible reversible the bank decision to deny me my banking rights for a fault that is not my own. I have all the evidence, including communications with the people who sent me the check and covering letter with instructions on how to handle the said money. 

I have attached a copy of the banking slip and a package materials that came along with the check- also showing the tracking number. 

Thank you for your assistance.
Consumer complaint received 2023-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX # XXXX XXXX ) CAPITAL ONE # XXXX XXXX ) CAPITOL ONE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2021-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

I was contacting two days ago by some type of debt collector law firm and they're claiming to be some type of law firm for some type of payday loan company that's stating that I received a loan in the amount I think it said {$850.00} from them and that I never made a payment on it I have never gotten a loan in my life I do not have any credit whatsoever nobody would give me a loan if I tried but this is a payday loan and payday loans are illegal and North Carolina the state I live in so it's not even a possibility that I could have ever gotten this loan I had applied for some loans a few months back online none of them worked out I was not approved for any of them approved for any of them and this debt collector is very rude and I have told them the situation that I do not know what they're talking about I don't even know who this company is at the speaking of some kind of cash advance company and he is stating that I have got assigned contract with these people which I do not and he is threatening me on a daily basis over this and I want this taken care of I want my name taken off of whatever it is that they've got it on here is a quite from the email of who they say they are representing. 
Note : This notice is provided to you on behalf of ACE Ace Cash Express. And its parent company, and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates ... ... here is the email in which I am being contacted from ... XXXX XXXX
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (SC)

XXXX XXXX ( XXXX XXXX XXXX. XXXX, OH XXXX ) opened a fraudulent account in my name in XXXX of 2015. This Fraudulent account has been sold to a collection agency Consumer ADJ. I have tried to prevent any confusion with XXXX XXXX about this fraudulent account. I have requested that this fraudulent account be removed immediately from the credit agencies. I have tried working with the credit reporting agency and the credit grantor to have this account removed from my credit report. Right now I am seeking legal advice in addition working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or my authorization. If I am unsuccessful with this attempt. I will be forced to file suit in federal court naming the credit reporting agencies, the creditor and the collection agency.
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I had an original mortgage taken out in 2006 through XXXX XXXX. This original loan was via a split mortgage ( 80 % of loan in one mortgage and 20 % in the other ). The smaller loan has always remained with chase mortgage and to this day remains open and current. Despite submission of direct evidence ( in the form of current billing statement ) in the dispute process, all three agencies continue to misreport this account as either closed, deleted from my report, or included in my bankruptcy. None of this is accurate. The larger loan has been sold to other companies over time ( 1st to XXXX, 2nd to XXXX, and finally to XXXX XXXX ). Again, after following the same dispute process ( with evidence provided ) it remains similarly misreported. All three bureaus have reported both mortgages from all companies at one point ( XXXX, XXXX, and XXXX ) so the excuse that they are not responsible for adding credit accounts does not apply here as they were all previously reported and listed on my credit reports. The fact that some have been deleted does not negate the responsibly to accurately report the information.
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Initially i did try to work with XXXX XXXX  XXXX who claim to be representing XXXX XXXX and XXXX XXXX. She told me they were going to sue me if I did not pay I asked her for what?! She claimed I owed money and that I needed to pay them. I told them I had fraud before and asked them to validate claim. They did not send any validation and then sued me. To make matters worse i had to pay a lawyer to get an answer written, which could have went towards said claim that they never proved. To add insult to injury, they cheated me out of a court date, by getting judgement behind my back without serving me for trial, whicheans they probably lied to the judge. I have proof of no filed service. 

This is a misuse of legal system and harrassment and bullying and a clear violation of federal laws.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had an original mortgage taken out in 2006 through XXXX XXXX. This original loan was via a split mortgage ( 80 % of loan in one mortgage and 20 % in the other ). The smaller loan has always remained with chase mortgage and to this day remains open and current. Despite submission of direct evidence ( in the form of current billing statement ) in the dispute process, all three agencies continue to misreport this account as either closed, deleted from my report, or included in my bankruptcy. None of this is accurate. The larger loan has been sold to other companies over time ( 1st to XXXX, 2nd to XXXX, and finally to XXXX XXXX ). Again, after following the same dispute process ( with evidence provided ) it remains similarly misreported. All three bureaus have reported both mortgages from all companies at one point ( XXXX, XXXX, and XXXX ) so the excuse that they are not responsible for adding credit accounts does not apply here as they were all previously reported and listed on my credit reports. The fact that some have been deleted does not negate the responsibly to accurately report the information.
Consumer complaint received 2024-02-08
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. (SC)

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 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 2021-07-20
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. (GA)

The FCRA 15 USC 1681 states that our consumer reports/ Credit reports are our reputation.

15 USC 1681b ( a ) In General Subject to subjection any consumer reporting agency may furnish a consumer report under the circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

My rights as a consumer are being violated repeatedly by this company.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SinglePoint GI (IL)

I advise the representative that my account was discharged in bankruptcy back in XXXX and the balance shouldve never been assigned to them. XXXX XXXX  was discharged in my BK. The balance was from XXXX. I disputed the information on 3 bureaus, they refused to remove the information. I advised again this balance was included in my bankruptcy. The representative dismissed my request for them to contact my attorney.
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (AR)

I have requested that this debt be validated by signed copies of the original documentation mailed to my address several times by phone and online disputes as well as on this site. These accounts should be removed due to lack of validation. The account numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (OH)

This is regarding my pal pa account ending in XXXX. I have been in the hospital since XXXX with XXXX and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on life support for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell Pay Pal what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on life support supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband passed away three days ago from XXXX. 

Paypal need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST DIED, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!
Consumer complaint received 2018-05-10
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: Bread Financial Holdings, Inc. (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : .XXXX Inquiry Date XX/XX/XXXX XXXX   Inquiry Date XX/XX/XXXX 2017
Consumer complaint received 2020-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (NV)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

Santander Consumer USA did not report anything on credit report from XX/XX/XXXX to XX/XX/XXXX so I wrote them a letter to update my credit report and I explain to them I had a Medical issue so I was out of work From XX/XX/XXXX to XX/XX/XXXX so I could not pay on the account and I sent them the documentation to back up my claim and I made up all the back payments to get the account current that I owe instead they reported closed /charge off but the account is open / active but they will not report the payment to the credit are change it as open and current I am doing everything right with them to try to fixed this with them they refuse to correct this matter.
Consumer complaint received 2023-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC (AZ)

requested validation, not just an itemized bill they provided with wrong hospital name and wrong address, exposing all my personal information a direct violation of HIPPA regulations i never sign a HIPPA form, giving them access to my personal information.an authorization access to any such medical records. the collection company sends a form with a form with consent to be admitted to the hospital with a print not he signature part say9ing verbal consent. any other violation litigation will follow .thsi account is complete violation of the no surprise act delete immediately my privacy has protected under HIPPA laws.
Consumer complaint received 2020-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NY)

In XXXX of 2020 there were 2 airline tickets purchased in the amount of XXXX each with PayPal under papal credit umbrella. There were 2 refunds issued in XXXX back to the papal credit in the amount XXXX each. However i have also filed a dispute for XXXX ticket and was also credited an additional XXXX from Payapal credit on XX/XX/2020 resulting in the over-payment of XXXX. I have contacted Payapal credit numerous times to make this adjustment reversal of this transaction. Since the original charge was made under payapal, payapal insists that i have received 2 extra refunds from Paypal credit, which is not the case and want me to repay to payapl XXXX, which is wrong, What i owe back is XXXX extra refund in the amount of XXXX, which nobody seems to understand how to fix.
Consumer complaint received 2020-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC (GA)

I am in the process of purchasing a house. When they did the title search they found 3 judgment against me that I have never had a clue about until XX/XX/XXXX. 

These are part of XXXX XXXX dollars settlement with XXXX XXXX XXXX, COOLING AND WINER. 

All 3 of these were Robo filed without my knowledge and I have never been served on any of the 3 cases. 

Cases : 1 ) XXXX, filed by XXXX XXXX XXXX for amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. 

2. ) XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid XXXX & XXXX XXXX ; otherwise, I would not have been able to close escrow. 

3. XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I  paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. 

If you need any addtional information please contact me.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX 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. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.