davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2019 ( 3rd complaint ) There are numerous errors on my credit report with Equifax and they will not fix them!!!! I have contacted them three times now and their system will not allow me to file a new dispute even though the information they are reporting is inaccurate and therefore slander, Libel and defamation!!! I am a XXXX  XXXX   and it is harming my reputation!!! XXXX XXXX XXXX who I financed my car through and NEVER WILL AGAIN, is reporting numerous inaccuracies and withholding reporting the good credit on me, intentionally!!!! 

I took out my loan in XX/XX/2019 made my first payment in XX/XX/2019 on time, paid XX/XX/2019 on time, paid XX/XX/2019 on time, then in XXXX fell behind 8 days past the 30 day mark due to choosing to switch my banks after 15yrs due to their errors ( XXXX XXXX XXXX ) and so was waiting for the XXXX XXXX XXXX to move my direct deposit which took a month, I paid them as soon as it was in my account. They are reporting it as 60 days late on my Equifax report. At this point that not only reported it incorrectly at 60 days late, but also reported my actual payment at {$1700.00} when it is only {$590.00} mo.,  then they quit updated my credit report to get back at me for being late and did not report on-time payments going forward for XX/XX/2019 and XX/XX/2019. I basically made on payment a few days late out of all payments and now they intentionally jacked up all information on my credit report and numerous others have complained of them doing the same online!!!! I want this corrected now and have also filed a complaint with the IL Attorney General and have contacted my lawyer for a possible lawsuit!!!! 

I also want corrections made to all three credit reports and corrected copies mailed to me, the IL Attorney General and the CFPB within a week of their receipt of my complaint. They have had several months now to fix the errors and have not, this is a direct violation of the FDRA and the IL Attorney General also needs to hold them accountable for this along with the other regulators!!!!! 

I want my account information correct with all three credit bureaus, showing all payments made on time and even the one time late due to all of the problems they have caused me, I also want my actual payment amount corrected to the truth {$590.00} and corrected copies of all three credit reports mailed to myself, the IL Attorney General and the CFPB within a week of them receiving this complaint!!! I also want the regulators to do their jobs and fine and shut these businesses down for breaking the FCRA and other laws!!!!!! If they are too incompetent to do their job correctly they need to be shut down!!!!
Consumer complaint received 2019-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

CHAPTER XXXX BANKRUPTCY ( USBK COURT XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-06-18
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2019-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I am a victim of identity theft, and I discovered that a previous fraudulent account that was permanently removed and blocked has reappeared on my report as a collection as well as fraudulent inquires. I would like these items be permanently removed and blocked.
Consumer complaint received 2019-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Been charged a fee of XXXX a month for the past 11 months by a company called XXXX XXXX. I never signed a contract with them nor did I ever agree to the terms. I disputed this charge with Capital One and they stated that XXXX XXXX sent them a contract but upon reviewing the contract there is nothing on it that I have agreed to the terms. I had never seen the contract before. Upon further investigation I have come to realize that XXXX XXXX XXXX works with XXXX XXXX and they are the company charging me to rent the equipment that is not working. The only agreement I am aware of is with XXXX for {$54.00} a month not the {$94.00} they have been charging me. 

In addition to these over charges I stated to the Capital One the product is malfunctioning and the company refuses to correct any of the issues or replace the products. I also told them that I refuse to pay for items that are defected and not working. Capital One does not seem to care or want to help me in the situation.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

This is in regards to a Victoria 's Secret/Commenity Bank Card that was paid in full ( {$430.00} ) & closed with a XXXX Balance on XX/XX/XXXX. 
Two months later I was charged {$4.00} interest on XX/XX/XXXX, which, I disputed and they told me I had to pay it because it was leftover interest. So, I paid it and still confirmed that the account was still closed and it would not incur any more charges. 
Again, two months later I was charged {$29.00} interest on XX/XX/XXXX. Now I am getting completely annoyed. I called in to customer service again and was told it was required and that once it was paid it would completely settle the account. I reluctantly paid it again, and, again, confirmed that the account was closed and would not incur anymore charges. 
He we are again, 2 months later, and I receive a bill of {$8.00} of interest. I have been trying to call commenity bank and they have a recording of phone systems being down. 
I was also enrolled in XXXX XXXXXXXX without my knowledge. 
This is extremely frustrating and unprofessional. 
They are fraudulently charging me as a punishment for paying my account in full and closing my account on XX/XX/XXXX. 
I have screenshots of my payments and have proof that I have closed the account. I am tired of them taking advantage of a consumer like me with no reason other than to try to milk me for more money after closing my account. Any assistance in this matter would be greatly appreciated. Thanks!
Consumer complaint received 2021-06-10
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
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 ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2019-03-30
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. (WI)

in 2012 I was a victim of extortion a girlfriend that used me extorted money from me I sent equifax the report from the XXXX police department why is it when fraud has been commited against me in any other situation i would get justice but Equifax verifys the bankruptcy from a third party. 

and not the courts i want the baankruptcy removed from my report
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (TX)

THIS IS A NEW COMPLAINT WITH NEW INFORMATION. 

An official validation letter was mailed to the address listed on your website on XX/XX/XXXX, and shown to be delivered on XX/XX/XXXX, to the " Front Desk/Reception/Mail Room ''. Even after filing a CFPB complaint, the company failed to validate this debt properly. The company 's response does not come close to the validation requested in the same letter attached to this complaint nor by what the CFPB considers validation. Merely citing a social security number and providing the balance amount, which I provided in my previous complaint, is not validation. This account shows a last activity date of XX/XX/XXXX, for XXXX and XX/XX/XXXX, for Equifax. The account was either changed, updated, or opened/closed in XX/XX/XXXX, or it wasn't -- the same for XX/XX/XXXX. There can't be two dates for the same account. The FCRA states that all reported accounts need to be verifiable and timely. If these dates hold true, which I assume they are, this constitutes that this account is NOT timely and may have violated the FCRA. Your failure to provide proper validation may have also violated the FDCPA. As a consumer, I am entitled to a credit file that is 100 % accurate, timely, and verifiable, which this account is not.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my XXXX XXXX report they are not mine please delete them ( 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 Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (OH)

ABLTY RECVRY- states that I have a past debt of {$890.00} this has been reported on my credit report with negative status and now sent to collections. At the time when I was seen as a patient I was recently released from prison and living in a half way housing before returning to the general population. I shouldn't have been charged any medical fees because all medical treatments are covered under the federal correction system and I also had medicaid coverage as well.
Consumer complaint received 2018-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I currently have 54 inquiries reporting on my credit report on TransUnion that are without a firm line of credit. I have circle all 54 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 54 inquiries should not be reporting on my Credit Report.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to lease a new apartment and while going my report I discovered I had some Fraudulent addresses on my credit report and inaccurate information as well. My Name is XXXX XXXX XXXX please remove any variations of my name. My current employer is XXXX XXXX XXXX XXXX. Please remove all others. The following number are showing on my Trans Union report they are not mine please delete them ( 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 Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. (XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on CFCB about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified Adjustments, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, I'm XXXX years old and I own a business so I realized I needed to get a credit card in order to start building my credit. I also work a 9-5 job as well. I was using my capital one secured credit card as normal and had put my account and routing number. Here 's where the problem occurred. When i mobile deposit my checks from work it gives me routing and account number. I thought that that was MY bank account numbers but it turns out it was my jobs bank account. Therefore, i put my works bank account as the payment method without knowing, put some monthly charges, hid my card, and didn't look at it for a while because i knew i had a recurring charge and was set up automatic payment. Everything was going smoothly and I was making my payments as normal. After about 3 months or so of having the card, I opened up the capital one app and realized my account was closed. I was extremely worried and confused because I know closed accounts are not good and this was very hard to get approved for. it turns out my works bank account managers saw these credit card payments and decided to return all the payments. Capital one obviously does not like this and closed my account for violating terms of service under " returned payments ''.
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After phone and wallet was stolen from out of my car. Bank of America allowed someone to make transactions adding up to {$4600.00} on my account without calling me to authorize a single payment! My accounts have since been closed except one account ( balance of XXXX ) that funds are being frozen for no reason. This is illegal. 

They said they would do an investigation ; they also sent me fraudulent paperwork dated XX/XX/XXXX, stating " We've issued a termporary credit for {$4600.00} while we conduct our research on your claim. '' Another document stating also a credit of {$1900.00} on XX/XX/18. And a third stating that they removed all of the before mentioned funds from my account. Remember all three documents were all created on XX/XX/XXXX, immediately after the freezing of my funds. 

They later determined stated that the refunds were not going to be given back to me even though I never authorized the transactions, my pin number was not used, and I was never alerted about an extremely unusual high spending of my funds. 

After checking my account, no funds had ever been deposited into my account. And the actions and dates mentioned on these documents are false. 



None of these
Consumer complaint received 2022-06-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

below is a copy a letter I sent to Capital One ; RIGHT OF RESCISSION XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : CHIEF FINANCIAL XXXX CAPITAL ONE XXXX Capital XXXX XXXX XXXX, VA XXXX RE : RIGHT OF RESCISSION Dear CAPITAL ONE I, XXXX XXXX XXXX, Original Creditor and Natural Man hereby rescind my consent to be liable to perform on the contract agreement i entered with CAPITAL ONE and XXXX XXXX XXXX on XX/XX/XXXX. 

I entered into this contract agreement with CAPITAL ONE and XXXX XXXX XXXX without ; XXXX ). Full disclosure of my right to rescind. 
XXXX ). Transparency regarding the process of the consumer credit application being the financial asset ( XXXX CFR XXXX ( XXXX ) ) as well as self-liquidating paper ( XXXX CFR XXXX ) ). I have reason to believe that CAPITAL ONE and XXXX XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. 

I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that pursuant to XXXX XXXX XXXX XXXX ( b ) upon receipt of this rescission i am not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information ( violation of XXXX XXXX Code XXXX ) as I was told that a down payment of { {$5000.00} } was needed in order XXXX XXXX off of the lot. Pursuant to XXXX XXXX XXXX XXXX - a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I will file a complaint with the Consumer Financial Protection Bureau. 


I demand a full refund of all installment payments and interest that I have made year to date. 
Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is a follow-up of complaint XXXX that is still in process. I was called by B of A a couple of times about closing this account. The last time they called a day or so ago, I asked why this account was not being closed. The lady told me and I quote " we are investigating the back end ''. I have no idea what that means and she could not explain it to me when I asked. Every other credit card and banking account have been closed for some time with no issues but for some reason, this is taking a month now and still not resolved. Who else can I submit a formal complaint to? Are there banking regulatory entities that I can complaint to. This is absolutely nuts and I would like to pursue the reasoning behind no closing an account when requested. There is no " back end '' as my Mom is dead and that is why the account is being closed. She died XX/XX/XXXX and this account is still open.