davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

After completing my due diligence, research, and development in consumer law and debt collection there is a preponderance of evidence alluding its a fact you committed several federal violations including but not limited to 15 United States Codes section 1692 ( e ) by giving false and misleading representation that I the consumer owes a debt. 
On XXXX XXXX XXXX I received a Correspondence from XXXX stating that I the consumer owes a debt of {$2900.00} to which I the original Creditor, consumer and attorney infact for the legal person XXXX XXXX. 

On XX/XX/2021 under the exclusive face of the united States Post correspondence Notice & Demand to Validate Debt Claim was signed for upon delivery at address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

On XX/XX/XXXX under the exclusive face of the united States Post correspondence Demand for Qualified verification of debt was signed for upon delivery at address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

On XX/XX/XXXX under the exclusive face of the united States of the united states Post Office an Opportunity to Cure was signed for upon delivery at address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

At no point in time did I ever receive any correspondence from XXXX. On XX/XX/2021 XXXX did serve summons upon at my place of abode on a relative who accepted said documents. 

Am alleging the actions of the representatives including but not limited to XXXX XXXX XXXX of said Law firm did cause damage on my credit file, also did cause my entire immediate family feud as no one knew of my alleged indebtedness whereas I was treated unfairly, by abusive and deceptive conducts of all parties involved and am alleging Barratry. 

Notice Am alleging XXXX  is a private Attorney not so authorised to enforce debt collection activity as am alleging they are without a contract on record with the United States Attorney General Office to collect debts on behalf the United states pursuant to 31 USC 3718.

Pursuant to 15 United States Code 1692i ( b ) XXXX  is at a legal disability as nothing in this subchapter shall be construed to authorized the bringing of a legal actions by debt collectors. 
Whereas there was no proof of a lien recorded with the Secretary of States Office in the name XXXX XXXX was found. Please see certified copy for proof. 

Am alleging plaintiff by way of XXXX XXXX XXXX whos name appear on allegedly fraudulent Instrument that looks like a summons was simulating a legal process to induce I the consumer to participate in fraud. 
I have also filed a complaint with the United States Attorney General on matters mentioned here.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

XXXX, EQUIFAX, AND XXXX  WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We were shut down due to covid, we are a XXXX. 
Capital One offered us a deferred payment option. 
We accepted it and let them know we were shut down due to covid and we are unable to make payments until it's over. 
They accepted it, and said we were in the program. 
2 months later, we got late payment notices, and they said that we owe them the minimum payment despite saying we didn't have to pay it. 
I told them we couldn't as we're shut down, the said they would defer the others, but we can't use the card and we are still getting charged fees and if we wanted it removed, then we need to pay. 
So we sought to find money to pay it, meanwhile Capital One reported us to the credit reporting agencies even though they knew we're shut down to covid. So we contacted them, and they said we can only get it off our record if we pay the past due fees despite the Covid issues. We were forced to find outside money and pay, and they said they'd remove it from the credit reports. Then, after we paid the fees they are now refusing to remove from the bad reporting. 
It has now been 6 months and 45 phone calls to them. Each time a representative acknowledges and apologizes and says they'll fix it. Then some mean person calls and says they won't fix it. It's a simple error rfor them to fix.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (MI)

Hi I am submitting this 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 credit score over 719XXXX  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 n i made this clear for 60 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Adverse information is being reported on my account to credit bureaus. XXXX provided a letter to me stating no delinquencies have been reported. But Transunion and XXXX continue to report it after numerous disputes because they say XXXX is affirming that the adverse information ( account closed, was 60 days past due ) is correct. Voluminous hours making calls, sending letters, filing disputes, using chat STILL have not resolved this problem. It is not being properly investigated and RESOLVED.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

I have disputed an account that they have had on my credit since 2017 for a charge off. Additionally, they report it as a new charge off every month. I have asked for validation of debt and never gotten it and they will not take it off of credit. There is around XXXX charge offs for the one account. I'm currently going to court over the issue now. Company is XXXX credit bureau, XXXX XXXX XXXX XXXX, Texas XXXX.
Consumer complaint received 2020-12-10
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. (MO)

My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

1. XXXX XXXX  2. XXXX XXXX
Consumer complaint received 2021-12-21
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: JPMORGAN CHASE & CO. (FL)

I was offered a {$250.00} Gift card towards a XXXX XXXX stay if I applied for a credit card. I applied for the card, and I received the credit card and also the {$250.00} gift card. However, when I went to book the hotel reservation, I was told that the gift card could not be used with the prepaid rate, even though the ad for the card was shown with the {$250.00} discount. I have asked XXXX to honor this discount, and they declined to do so. Please see PDF attached called XXXX reservation : In yellow highlight pen, I show where the offer was made : Prepaid rate + {$250.00} discount with the promotional gift card.
Consumer complaint received 2020-12-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (PA)

Currently, I am seeking the return of {$8400.00} as well as any access monies that have been charged because the city of XXXX returned over {$9900.00}. Additionally i am requesting that the late fees charge for XXXX and XXXX be removed from my account. The supporting documentation, one which is an actual letter from TMS stating that there were no fees being charged and no payment due ( COVID related ) has been submitted. Additionally, the loan was entered into Forbearance in XXXX. 

I have email XXXX XXXX, who typically responds to these complaints but I am flooded with misinformation when I call this company. So much so that I have began to record my interactions with the representatives. I requested an escrow analysis and audit on the account that dates back to the periods which were supposed to be tax exempt. My biggest concern is TMSs allocation of money to their corporate account. This seems unethical and unprincipled. I would like to additional money I paid returned to me. 

I have never received a return call from 4 representatives who promised to make the necessary changes associated with the erroneous late fees, the removal of the forbearance and the return of the funds owed back to me. The city of XXXX conformed that the check was cashed by TMS. Additionally, i am owned approximately {$14000.00} in over payments. 

I will escalate this complaint to the Department of Veterans affairs, my Congressman and the Attorney General if this resolution is not accompanied by an actual audit of this account. The payments should have NEVER exceeded {$2300.00}.
Consumer complaint received 2023-04-06
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, and # XXXX has violated my rights. These accounts are not reporting Date Opening, Balance, and Last Reported properly. They are all wrong. The late payments are not accurate.

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 an account without my written instructions.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

On XX/XX/2020 someone named XXXX XXXX was able to log into my account and transfer {$470.00} from my account to her. I dont know who that is so I did a unauthorized transfer through Chimw and they denied me. I even did a police report and they still keep denying me and saying there was not an error.
Consumer complaint received 2019-08-25
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)

Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My 2nd settled discharged mortgage is illegally in the hands of XXXX and or Shellpoint Mortgage Servicing. I requested a complete transaction history, itemized pay-off. I also requested information all the many years there was no communication from this mortgage servicer. I want to see their records to see if it matches my records. I want to see the history for any discharges, charge/write-offs from previous servicers. I believe this company is following illegal processes. They seem to be disguised under several different names such as ( New Rez ) LLC, XXXX and Shellpoint. They all seem to be one in the same. I have also been advised to reach out to the Attorney General to have him/her investigate the practices of this company. They are illegally attempting to collect on a mortgage debt that has already been settled with another servicer. I believe these illegal practices and needs to be investigated.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

Reliacard locked my account because they said I had to prove my identity, send me ID, S.S., fax it to them. I did on the XXXX different occasions. Then after 3 weeks, now there telling me they still wont unlock it and I have to get in touch with PA Treasury who is impossible to get on the phone with. I need my money, I have bills, groceries, etc! I need help
Consumer complaint received 2020-12-09
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. (FL)

Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of Equifax Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (TN)

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in XXXX XXXX chapter XXXX does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed with the firms on these alleged debts numerous of times and each time the company has came back with alleged verifications. In the correspondence letters they sent to me I've found numerous FDCPA violations including ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ).
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021, I changed my primary address from my old address to a new address on Chase 's online website. Some time afterwards, Chase apparently changed my billing address back to my old address without informing me, and I am unable to see it on Chase 's website. Later, on XX/XX/XXXX, my spouse changed our billing address, in person, back to the new address. Again, Chase changed the billing address back to the old address without informing us. This time, our payments for our bills were rejected and cancelled back due to the uninformed address change. This includes a {$1700.00} purchase we made on XX/XX/XXXX. We only found out the charge was cancelled on XX/XX/2021, and we called Chase at XXXX XXXX  to inquire about the cancellation. During the call, the Chase representative confirmed that the billing address was changed back to our old address, and that the billing address differed from the primary address associated with our card. This was unknown to us, and we had no way of seeing that our billing address was different. The representative proceeded to inquire if I wanted to change my address, which I declined, and proceeded to transfer me to the web department. I was then notified via email around XXXX XXXX that my address was changed without my consent. When I proceeded to inquire about the change, a new representative stated that it was due to a government agency reaching out to Chase about my address being changed, but this is clearly false given I received the same email as I did on XX/XX/XXXX and XX/XX/XXXX. I concluded that a Chase agent changed my billing address without my permission and without my visibility.
Consumer complaint received 2021-12-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

XXXXXXXX XXXX have a debt on my credit reports that is not my debt. I sent this company an affidavit of dispute and validation and I have yet to hear back from them. The debt has been removed before because this company couldn't product anything proving it belongs to me. For some reason it is back on my reports and I wasn't notified by the credit bureaus of this. I recently check my report and see 's that is back on there. I want this off my reports because it is not my debt.
Consumer complaint received 2023-03-23
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 (NJ)

ON XX/XX/2022 SEND XXXX, XXXX, AND XXXX DOCUMENTS REGARDING FRUDULANT ACTIVITY ON MY CREDIT REPORT. ALSO CONTACT CAPITAL ONE ACCOUNT AND THEY TOLD ME HAVE NO PROOF OF AUTHORIZING CREDIT CARD ACCOUNT. ASK THEM TO VERIFY ACCOUNT IN WRITING HAVE YET TO RESPOND. CAPITAL ONE AND CREDIT BUREARUS. PLEASE ASSIST
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (FL)

The Creditor Listed Below AR RESOURCES INC Original creditor : XXXX XXXX Account # XXXX {$670.00} I have asked this AR Resources to validate this debt and they have failed to do so. I have never seen or heard of this account and then it just shows up on my credit report. I have already disputed it with XXXX  and they deleted it from my report. I have disputed with XXXX  to remove the account and they have not nor Has the creditor. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still Experian continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts for both the original creditor and Experian. Prooving that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

Experian has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and remove the collection account from my credit or report or I will be forced to seek litigation as a resolution.