davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

A fraudulent credit card application was made using all my personal information and on XX/XX/2017 {$20000.00} was charged on a Capital One credit card. I did Not make application for this Capital One credit card and I did Not sign for this application in person, on paper and mailed, or online. I alerted Capital One of the fraudulent application and charge. I have a fraud alert in all 3 credit bureau 's and I attempted to file a fraud credit card report with the Sheriff division however, their opinion is it's a civil problem and it's between you and the credit card company. Capital One closed the account however they later changed the credit card numbers and continued billing me after they had closed the original account under a new set of credit card numbers. In order to maintain my excellent credit score and good credit reports I began to pay minimum payments until the fraud issue could be completed and the account would be closed permanently. Unfortunately, Capital One did not report the credit card fraud to the 3 credit bureau 's and only reported the amount of {$20000.00} of which ruined my near perfect credit score. I have requested several times a copy of the signed credit card application showing my signature and how it was signed. As of today 's date Capital One has not provided any of the documents I have requested of which is under the consumer 's regulatory mandated rights. If I do not receive resolution to this fraudulent credit card claim I will be forced to seek legal council to rectify this issue. I will also forward this information to other governmental agencies in regards to how Capital One has handled this fraud claim.

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (KY)

US Department of Education, Amount {$100000.00}, Date action taken XXXX, 2022 XXXX XXXX XXXX XXXX, Account Number XXXX -Amount Paid {$430.00}, Date Action taken-paid and agreed as paid in full an to be removed from credit that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

Automated Collections, Account Number XXXX, Amount {$710.00} Date action taken/ disputed XX/XX/2022 ACIMA Digital FKA SIMP Account Number XXXX Amount Paid {$280.00}, Date Action taken-paid and agreed as paid in full and to be removed from credit report that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX Account XXXX XXXXDate action taken XX/XX/2022. Late payments not removed and inaccutre information reflects on credit report
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: MoneyLion Inc. (PA)

MoneyLion is STILL reporting late payments to XXXX after multiple confirmations from them that they updated my reports ( XX/XX/XXXX - removed from XXXX, XX/XX/XXXX - removed from XXXX ). They are reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, and a 90 day late for XX/XX/XXXX to XXXX. Previously they had reported it as 30 days late XX/XX/XXXX, 60 days late XX/XX/XXXX and 90 days late XX/XX/XXXX. They then proceeded to have the credit bureau remove the account from my file, to re-add the account with the late payments having different dates. 

MoneyLion 's first email from the MoneyLion Escalations Department confirming my credit reports would be updated in 7-10 days to reflect the loan as paid, current, with NO NEGATIVE MARKS was on XX/XX/XXXX ( see attached email ). Then, I received another confirmation that the late payments would be removed, from MoneyLion, on XX/XX/XXXX. The second confirmation came after I filed a complaint with the CFPB on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX my three credit reports were updated to reflect the current on time paid status, with NO negative marks and paid 100 % on time. However a couple of days after I provided " feedback '' requested by the CFPB via the CFPB portal stating that MoneyLion answered my questions, did what they said they were going to do, etc., I received an alert that my MoneyLion account was again reporting 30/60/90 day lates to all three bureaus. Luckily I disputed with XXXX, and they removed it when I provided all proof that MoneyLion stated they would remove it due to it being INACCURATE. XXXX  and XXXX  would not remove the late payments. I reached out to MoneyLion again on XX/XX/XXXX regarding the account inaccurately reporting late payments and how it has reappeared on my XXXX   and XXXX  reports. Shortly after, I noticed the late payments were removed from my XXXX  report, but not my XXXX. MoneyLion responded on XX/XX/XXXX stating that the account was reporting accurately and ONCE again won't do anything about their inaccurate reporting. Not to mention, it is IMPOSSIBLE to get ahold of someone. 

I have attached all proof of admission that MoneyLion is inaccurately reporting late payments, and am requesting that they update XXXX  to reflect 100 % on time payments with NO NEGATIVE MARKS.
Consumer complaint received 2020-08-02
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. (GA)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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 XXXX, gave me two letters of release stating the debt wasn't mine Experian and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2019-03-10
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. (CA)

My Experian credit report showed that on or about XX/XX/2018, I had a late payment account and a collection account with the debt I never owe. I disputed and Experian refused to delete the incorrect information.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

The letters are stated with items and issues. 

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 2020-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio recovery company has a debit in my name. Never heard from this company.i would Like this removed from all 3 credit bureaus immediately. Its not my debit I do not owe them any money. I request that they remove this debit i
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Springleaf merged with One Main. One Main and XXXX have been and are reporting inaccurate information on my credit report. One Main and XXXX have been and are reporting hard inquiries without verifiable proofs of my consents. One Main and XXXX have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both XXXX and One Main asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from XXXX and One Main of  their inaccurate information and I didnt receive them from all of them. Since neither XXXX nor One Main have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX :  XXXX. Certified mail sent to ONEMAIN on XX/XX/XXXX : XXXX. Certified mail tracking number sent to SPRINGLEAF FINANCIAL SRVCS on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : SPRINGLEAF FINANCIAL SRVCS Date XX/XX/XXXX
Consumer complaint received 2022-07-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX. XXXX  XXXX Account # 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
Consumer complaint received 2019-01-04
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. (TX)

I'm sick and tired of Equifax removing the items then placing them back on my credit report. I was a victim of identity theft they won't allow me access to my online account I informed them I believe my ex who has my information is using my online account I've sent them request 10 times to update my address they have claimed they didn't get the info or when I fax they claim its not readable I've sent certified mail w/ tracking they claim they have no FTC report. One minute they correct the info then the next week the fraudulent information is added back to my report when I call about my own credit file that act like this is not my account. I haven't been able to get a copy of my credit report for years.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inq

uiries 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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (OH)

I ask that Source Receivables Management # XXXX interact further with me in writing, instead of via other methods, consonant with my rights explicated within the FDCPA and other relevant statutes. I authorize you to contact me about this debt, but solely via printed letter, to me at my home address as all other methods in any other way, place, or time are inconvenient to me. Should you be unable to comply with this reasonable request, this may indicate Source Receivables Management violation of the FDCPA and/or other federal statutes. Furthermore, please show detailed verification for consumer materials forwarded to consumer reporting agencies for me, XXXX XXXX, with regard to the stated account number # XXXX. Since it is possible that reporting problems may exist with respect to what you reported, I hereby request that you transmit this verification within a month of receipt of this request. Moreover please assert that collection behavior has been facilitated in accordance with applicable federal and state consumer protections. I want more than only an overview lacking depth. Instead I must ask for a detailed audit. 
If you can not establish such documentary record within a reasonable time frame, account compilations given by Source Receivables Management to my credit bureau should not be considered true and may evince a violation of the FDCPA, FCRA, and/or other federal statutes. In that circumstance, delete such bureau items shortly. 
I appreciate your assistance with this circumstance.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by Experian. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that XXXX  has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called Experian and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX  XXXX with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. Thank you.
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a auto loan with Capital One Auto. From the beginning of this loan, I have been trying to get the payment to coincide with my pay day since I am on XXXX. I have never been able to work anything out with the company regarding this and thus significant late fees have accrued. I am couple of months behind on the loan and am not saying that some late fees are warranted, however, I do feel that {$1000.00} in late fees is excessive. I am willing to pay off the loan but I am not willing to pay it off with all of these late fees and have gotten no where with Capital One.
Consumer complaint received 2019-01-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out mentally, emotionally and physically continuously. TimeframeXX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2022-07-10
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: I.C. System, Inc. (FL)

In accordance with the Fair Credit Reporting act I.C. SYSTEM, INC Account # 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
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WI)

XX/XX/XXXX XXXX XXXX  sold out loan to XXXX XXXX, their loan servicer, bayveiw, was to start servicing after XX/XX/XXXX. Our loan payment was {$280.00}. On XX/XX/XXXX we received a letter from Bayview stating we owed {$860.00}. We didn't. XX/XX/XXXX a letter asking for completed financial statment. Confusing! XX/XX/XXXX letter says we owe {$570.00}, formal demand, notice of default, intent to accelerate! This went on through out XXXX. XX/XX/XXXX XXXX XXXX XXXX a bill collector for bayview, said we owe full amount of loan, {$16000.00}, or foreclosure. XXXX we received a money order back, {$600.00}, that payment put us over what we owed!! I did not understand, we received letters from Bayview several times a month, every month! They put us in foreclosure court, we answered. We filed modification, they foreclosed! The same thing through modification. Then second chance. I mean, we couldn't get a break from them. They couldn't even do automatic withdrawal. I sent a complaint, answer, XX/XX/XXXX, and still no reply what they are doing. My wife is on meds for XXXX and XXXX, and I am pulling my hair out. Not many problems until Bayview took over. We took out the loan in XXXX, 15 year loan for {$25000.00}, with interest and loan costs, almost {$52000.00}. 11.3 % interest, don't want to lose our home to these incompetent home stealers, I'm XXXX, my wife is having XXXX XXXX.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I made a remote deposit to my Chase personal checking account, with a check for {$2800.00} written from my account at XXXX. Chase indicated that there was a hold on the deposit. On XX/XX/XXXX, I called XXXX to get the hold lifted on their end. I then called Chase and spoke to a representative who put me on hold, called XXXX, and then told me that the hold on the deposit had been lifted and the funds would be available for me to use immediately. 

On XX/XX/XXXX, I logged in to my Chase account online and saw that, on XX/XX/XXXX, the check had been returned and a {$12.00} " deposit item returned fee '' had been assessed. I called Chase and spoke first with an agent, and then with the agent 's supervisor, who told me that the check had been returned because according to XXXX there was a hold on the check. I then called XXXX and they told me that there was no hold -- as I had been told on XX/XX/XXXX. 

Neither XXXX nor Chase will refund the {$12.00}. XXXX will not refund the fee because they are not the ones who charged it. Chase will not refund the fee, because they claim to have been acting on information provided by XXXX. That is to say, Chase claims that the check was returned on XX/XX/XXXX because XXXX indicated there was a hold on my XXXX account, even though both XXXX and Chase told me on XX/XX/XXXX that the hold had been lifted, and XXXX confirmed on XX/XX/XXXX that there was no hold.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, our son advised us that we could get XXXX hotel points if we upgraded our American Express Card ( with a new card ). We called American Express and the representative said that if we paid {$95.00} to upgrade our account with a new card, we would receive XXXX hotel points, if we charged {$3000.00} on our new card in 3 months ( which we did ) and that the points would show up in our account within 3 months. When we checked our account on XX/XX/XXXX, the points were not in our account and when we called American Express, the representative said that we were not eligible for the promotion and they would not refund our {$95.00} or give us the XXXX points. We were not interested in any other perks of the new card. 
I am sure that we are not the only ones who have been swindled by American Express and their fraudulent promotions. I think that they should be penalized and I hope that you can do it! 
An American Express statement showing the {$95.00} payment is attached. The promotion contract was all verbal with no discussion of eligibility.