davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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)

not mine fair credit report act violations : Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, 943 past due as of XXXX XXXX. 
Status XXXX XXXX Account XXXX
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (NH)

Bought a car in XX/XX/XXXX, defaulted in XX/XX/XXXX, got repossessed in XX/XX/XXXX. My last payment was on XX/XX/XXXX, over 7 years ago. I 've had the entry removed from my XXXX but XXXX/XXXX reply within minutes of filing my dispute saying that it ca n't be removed until XX/XX/XXXX. The credit reporting laws put the 7 year time-frame to begin at my last payment so I do n't know how they 're getting away with this. The company is Exeter Finance.
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

We had Hurricane XXXX damage XX/XX/XXXX and Ditech was our mortgage servicer until XX/XX/XXXX and now its XXXX XXXX XXXX. Ditech held the insurance funds and would reimburse us as we submitted receipts of repairs. However they cut a check XX/XX/XXXX to us and our roofer even though the roofer had been paid in full. I called to let them know this should have been paid only to us and at my expense I overnighted the check to Ditech. They as if today never forwarded those funds to XXXX which by law should have been sent within 30 days of XX/XX/XXXX and today is almost 4 months. Ive called Ditech multiple times and submitted a complaint online and all they tell me is to call the new mortgage servicer XXXX. I have contacted XXXX and they NEVER received the funds to disperse to us and Ditech will not tell me the status of the check that I returned. This is unethical and unlawful way to do business. We can not afford a lawyer as being displaced for over a year while in good faith paying every mortgage payment plus utilities at 2 places and still trying to get our home back together - we need help.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/XXXX a charge was put on my Bank of America AAA Visa credit card in the amount of {$7000.00}. as a cash transfer to a bank, XXXX XXXX. I reported it immediately when i saw this transaction and they issued me a new credit card. It was posted on my card on the same day I made a purchase thru XXXX using the same card. On XX/XX/XXXX, I received a letter from Bank of America saying my claim # XXXX was denied as it was a balance transfer that went directly into an account in my name and that charge of {$7000.00}. was put back now on my new card. I looked XXXX XXXX  up on the internet and called them to see if I could find out whose account this transfer went into. They said they could only help Bank of America so I filed another fraud complaint with BOA on XX/XX/2022. When on the line with XXXX XXXX  they verified that I have never had an account with that Bank. I need help with getting this charge off my credit card as it was not made by me and so far no help getting this resolved from Bank of America. This put me way over my credit limit and they have shut down my ability to use this credit card which I use for my daily living expenses. I am an XXXX yr old XXXX  and need help asap.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To whoever it concerns my name is XXXX XXXX I am seeking litigation for the violation for Not following the the codes 15 USC 1681 section A 15 USC 1681 section 604 A Section 2 For the accounts of XXXX XXXX  XXXX XXXX XXXX XXXX  Credit control corporations XXXX Transunion XXXX are not honoring my request for the law code set in place for me.. There giving me stall tactics.. In your database you can see all the complaints that I sent to you and none of them been honored by law please look into this matter for me thank you
Consumer complaint received 2022-08-18
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. (FL)

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

On or about XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX   working as an agent for XXXX XXXX XXXX, Offering to settle an account with XXXX XXXX XXXX XXXX, XXXX This account was settled and Dismissed on XX/XX/XXXX thru local court. I received a Notice Of Dismissal from court signed my local judge and attorney for XXXX XXXX XXXX XXXX, XXXX I answered the letter and enclosed a copy of the notice I assumed this would resolve the issue. I heard nothing until today when I received another collection notice even though I had sent them a copy of the Dismissal They stated they were willing to settle for 35 % of original amount. Once again I sent them a copy of the notice. This is not right and I am not happy about what I consider an attempt at fraud
Consumer complaint received 2024-02-09
Product: Credit reporting 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)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (TX)

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 590. 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: KEYCORP (CT)

XXXX has XXXX XXXX which allows us to add on our utility bills to our credit and increase our credit. I called them Numerous times to find out why my bank isnt working. They said to contact the bank and theyve said its On XXXX side Ive been very patient and asked numerous time to no avail. I want this fixed
Consumer complaint received 2019-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (MA)

This place XXXX XXXX XXXX  sent me letters to treat me twice last year and this year on tax season file. I looked at the account number now match to mine by one later at the beginning. I paid off my medical bill since XX/XX/XXXX - XX/XX/XXXX done. Some bills sent out some paid in person. The last bill I went to paid in person at front desk, that front desk lady told me to call debt collection to confirm that I paid off. From that time I mowed the state and lost some receipts and still have some, and I lost the number to call to confirm also. 

NOTE : I can't pick up phone while working, but can text me anytime.
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX has been sending me collection letters saying that I owe them a debt for XXXX XXXX. I've already disputed the account with the credit bureau. The only response I get from XXXX XXXX XXXX is a letter saying " We are uncertain of what you are specifically disputing ''. The certified that I've sent to the bureaus SPECIFICALLY state that I am disputing this account because it is NOT MINE. They are also reporting an address that I have never lived at. This company has done a poor job of handling this dispute. 

They sent me two letters saying that I owe {$410.00} for XXXXXXXX XXXX and {$1000.00} to the same bank. I've never had a credit or bank account with them. 

I've attached the letters that they've sent me.
Consumer complaint received 2019-10-08
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 (NY)

I had a capital one credit card since XXXX and I never missed a payment. I usually made payments through my XX/XX/XXXX account. Fast forward to XXXX I lose my debit card from XX/XX/XXXX so i start making payments from my sisters bank account. On the capital one app there is no option to delete a payment method! Only to add a new one! So I add my sisters debit card and make a payment ( ON TIME ) the next month comes around and I go on the app and make a payment for {$300.00}. Unknowingly choosing the wrong bank account ( because theres no option to delete a payment method that you can no longer use ). After a week I get a notification saying that the payment was returned. I call capital one and they say to call my bank. I call my bank and they tell me the funds are available that there shouldnt be a problem. Now at this moment I have no idea that I chose the wrong payment option so I dont know whats going on. Next monthly payment is due and I try and make a {$1000.00} payment I wait a week while it says processing and after that week it tells me returned again. So I call capital one again and they tell me to call my bank. Now this time I call my bank and the lady tells me she doesnt see any transactions for {$1000.00} and thats when I went back on the app and saw that I had been choosing the wrong payment option! So I chose the right option and made the payment and it went through only for capital one to close my account a week later because of fraudulent activity how is this fraudulent activity? It wasnt a random account I was trying to make the payment with it was a account that I had used to make payments for 2 years! Because the capital one app doesnt have the option to remove payment methods! I think it is very unfair for them to have closed my account because of 2 missed payments. When I called capital one they said there was nothing they can do and there was no way to reopen my account.
Consumer complaint received 2022-08-18
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: Atlanticus Services Corporation (PA)

On the date of XXXX. XXXX, 2022, XXXX XXXX opened a line of credit under my name for {$5000.00} with XXXXFORTIVA XXXX I was unaware of this account until I received a phone call from FORTIVA about payments being past due. After the call, I proceeded to contact XXXX XXXX to request the credit to be refunded to FORTIVA as I was unaware of this account. I have not received any services from XXXX XXXX, especially at the cost of {$5000.00}. I can not stress this enough. I have not received any services from XXXX XXXX. XXXX XXXX, however, was very understanding and returned the credit. XXXXFORTIVA continues to keep this fraudulent account open and reports it as delinquent, regardless of the refund of credit. I have disputed the claim with XXXX and the disputed information was found to be verified as accurate, regardless of the account being created without my knowledge and without me ever having received services from either of these companies. I will continue to dispute these claims.
Consumer complaint received 2019-02-10
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: Onity Group Inc. (TX)

My credit report contains an mortgage account from Ocwen / XXXX XXXX  which I have contacted Ocwen and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (CA)

Experian continues to report several bankruptcy filings on my cresit report from XXXX that do not belong to me. I was advised by the Court that they did not provide this inaccurate information ans the CRA has refused to provide documentation that meets FCRA requirements as it relates to the inaccurate information they have been reporting provided from a secondary source who is furnish inaccurate and incomplete information mainly XXXX according to the CRA.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 2019-05-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In an attempt to lower my interest payment on the loan, I made an arrangement with an agent of Bank of America ( my loan financier ) for a bimonthly payment of the the monthly dues 1/2 afront. To that effect I authorized the bank to draw the preset sum of {$340.00} at the start and the end of every month beginning the start of the loan period. The bank requested for authentication and I did authenticate as per their standard procedure and I do have the records to that effect.they started drawing money from my account for a while then for no apparent reason they simply failed to collect, I was informed that I was behind on my payment and needed to come Up with a payment to be up to to date on my loan and did as per their request. Having regularly collected for some Months they again failed to collect and failed for reasons I have yet either my bank or Bank of America had answered me satisfactorily ask for your help for them to do. Now they have come and repossessed my car for non payment of their dues and they have notified me that I need to pay the loan in full to get my car back .I feel this to be an insult to injury, they failed to collect their money for no apparent fault of mine in the first place then they repossess my car on the top of that they demand full payment this I fell is no less than a mob justice and  mob execution that simply couldnt and shouldnt stand here and now. Should there be a need for further evidence and documents to support my claim and complaints I-stand ready to provide you. 

Sincerely XXXX XXXX Pay
Consumer complaint received 2019-05-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OR)

LVNV Funding ascertained my XXXX XXXXXXXX credit card debt. Upon securing the debt for pennies on the dollar, no attempt was made by them to inform me of their ownership of my said debt. I found out while paying off derogatory marks on my credit report. This was XX/XX/XXXX. 
XX/XX/XXXX I have paid off the debt to them in full, in full mind you, to which it still has open on my report. Several calls and letters issued asking to please remove it or at very least to close the account. 3 years they let my intrest accrual and now after being paid, they won't close it. It's killing my chances of improvement.
Consumer complaint received 2023-07-28
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. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXXy. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Venture Rewards card advertises the ability to transfer points to partner airlines. 

I am a cardmember. I also have a XXXX XXXX frequent flier account with XXXX XXXX and Capital One is advertising a promotional rewards point transfer to this program during the current month. 

There is an apostrophe in my last name. This punctuation exists on my drivers license and passport, and the airline asks that the name on my frequent flier profile match to those documents. So it exists on my frequent flier account also. 

Capital One has a system that can not support this punctuation. I attempted to contact them to spell my name correctly, and they informed me that I am not eligible for this card benefit unless I update my frequent flier account so that it won't match my ID. 

Their agent was very friendly but told me that they would not take any action to help me, and that their system issues are my problem. While not intentional, this treatment is discriminatory because other cardholders are able to use the benefit, and I am not. I pay the same fee as those customers, and I strongly believe I should be entitled to the same services as everyone else.