davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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 (MO)

On or around XX/XX/2022 Capital One closed my accounts without the secured party consent, after making billing error disputes. Pursuant to ( 12 CFR 1026 regulation z ) Capital One is in violation. Also, these said accounts are property of XXXX with equitable copyright claims on the public record in the State of Missouri. As a XXXX of said accounts I'm ordering Capital One to open the closed accounts expeditiously.
Consumer complaint received 2022-03-17
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)

Recently I Disputed a XXXX XXXX  account with Experian and XXXX regarding it not belonging to me. I received a generic response from XXXX saying they declined to block information I have identified for one of the following reasons : I made the request in error ( which I did not ), is misrepresentation of material fact ( which the fact is that this account was not authorized by me ), and I obtained possession of goods which is false, because there are no goods that were received.This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. At this point XXXX and Experian continues to fail to do their job and refuses to correct information after being provided proof of inaccuracy. There has been absolutely no validation of this debt from either XXXX nor XXXX XXXX, and no proof what so ever that this account belongs to me. Per 1681a ( 2 ) ( B ) if a transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from my consumer report. The only thing is that this alleged debt was not originated by my and no proof has been provided by XXXX nor XXXX XXXX, it is a fact. XXXX is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX Account must be removed. This is my last warning before I seek civil and criminal charges for violation of my consumer rights.
Consumer complaint received 2022-05-05
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. (IL)

I opened several disputes regarding a bankruptcy on my credit report. Regardless of what documents I send them, they fail to do an actual investigation. I continue to provide more and more documentation that proves this is not my bankruptcy. My latest conversation with XXXX of their representative 's, I was told to create an account on XXXX, look up my social security number and to take a screenshot of the misreporting and send it to them. In this new CFPB complaint, I'm including the letter from XXXX they sent me stating that they deleted the bankruptcy from their reports, Since XXXX is their public records furnisher, I'm also including the most recent XXXX XXXX credit report that shows no public record. I'm also including a letter from the court saying they do not verify any bankruptcies with the credit bureaus and a screenshot and document from XXXX that shows my social security number with the wrong spelling of my name. My legal first name is XXXX, not XXXX. I'm also including my social security card and my drivers license. This needs to be removed from my credit report permanently.
Consumer complaint received 2023-09-21
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. (TX)

My rights have been violated according to the law. Late payments are illegal. If my transactions are not on my consumer report how there be a late payment if the transactions are not included on my consumer report.

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 1681 A ( 2 ) A1 states ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

XX/XX/2022 - I tried several times to get my credit reports from the big three credit reporting agencies on-line. I provided all the necessary information and at the end of the process was told that I need to file a form by US mail. Really? I don't understand why I have to purchase ink for my computer and envelopes and postage to do something that I should be able to do on-line. Please consider my complaint. Thank you.
Consumer complaint received 2023-06-16
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. (LA)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2022-03-17
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 (GA)

PLEASE HELP! 
On XX/XX/XXXX I send Captial One Bank a letter requesting debt validation. Captial One Bank first failed to respond in the required time allowance. I just received their response in the US mail today. Captial One Bank also failed to abide by the law in regards to debt validation. 15 USC 1692g. As seen in the letter that I have attached one of the validation request was for Captial One Bank to send correspondence that bear my signature of an agreement. I received correspondence from Capital One stating that the application that I requested validation of debt was taken over the phone or the internet. Due to the fact that Captial One has failed to validate that this debt belong to me because there is no paper copy. They have no signature on file that I indeed open this account. I need to know how to get Captial One to closed their account and remove it from my Consumer credit report. This account has cause my consumer credit repair to reflect in a negative way and it does not reflect my credit worthiness. Statements and or charges does not validate that I XXXX XXXX indeed opened this account in XXXX. I feel like Captial One Bank is bullying me and is reporting a false fraudulent account on my consumer credit report. I never authorize nor gave permission for Captial One to report anything on my consumer credit report. Captial One needs to abide, follow and respect the laws of an Consumer. As a consumer I have rights and Capital One Bank is violating my rights. I feel like I am being treated like a Criminal. Captial One Bank has no documentation that proves I opened this account nor that its my account and continues to report it to the credit reporting agencies. I don't understand how these companies can continue to report items that are fraudulent and false. I really need help! This account that I didn't authorize is causing me an inconvenience. I am trying to purchase a home. I am working how to build my credit and increase my score and Capital One Bank is just sending correspondence that not only does not validate but they failed to respond to the letter in full. They responded to the parts that they wanted which is not a valid response. Due to the fact that its invalid and against the law if I am not able to get them to remove this account that I didn't authorize I will be force to file a litigation. Capital One failed me as a consumer 15USC 1692e, 15USC 1681b
Consumer complaint received 2022-05-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Company '' Bank of America XXXX a car for less charged me {$480.00} for something that I did not pay for and I would like to have it addressed. 

I signed up for the service on XX/XX/XXXX. I was charged for additional items in my contract. I was refunded for {$19.00} from XXXX after I sent proof to XXXX that I did not authorize the {$19.00} charge and rejected it multiple times at the rental car company. The credit card company can see this on my statement. 

I sent in my receipt which was prepaid and also states that my car reservation was PREPAID IN FULL with no other charges. 

My credit card company asked me to send a copy of my contract on XX/XX/XXXX to show how much I authorized to be charged and also asked me to send my receipt showing that everything was prepaid in advance. I sent these in. The copy of my agreement that I signed shows that there is no charge for {$480.00}. It also shows that there is no charge for {$480.00} on my prepaid in full receipt. 

The car company provided a different contract to the credit card company. 

If I had to pay {$480.00} on XX/XX/XXXX I would not have taken the car and the rental car company can not show anything to show that I authorized a {$480.00} charge on XX/XX/XXXX. I rented the car for XXXX day. Why would I authorize a charge of {$480.00}? This charge was nowhere on my contract on XX/XX/XXXX otherwise I would have rejected it. 

Why did my credit card company XXXX Bank of America ) honor the merchant 's contract instead of the contract I provided to them which has proof that I did not authorize a charge for {$480.00}? How did they decide that the merchant 's contract was correct over mine when my contract which I received by email clearly shows that there was no charge for {$480.00} on XX/XX/XXXX? 

I also provided additional proof to the credit card company that the merchant could not account for the {$480.00} charge because I had dated photos of the car which were date stamped and my prepaid receipt says all charges are paid in full for approximately {$59.00} for a 1 day car rental. 

Why did the credit card company ( Bank of America ) ignore this information? 

The company rent a car for less is rated XXXX on online with a track record of running the same scam to a number of customers. Why can't the credit card company protect their consumers from this scam that the rental car company is finding a loophole to run?
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

THESE ACCOUNTS IS NOT MINE 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I reached out to XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC, in XXXX IL around the beginning of XX/XX/2022 to verify a debt and got a generic response that answered none of the questions that I requested to be answered via my conditional acceptance. The response I was given on XX/XX/2022 also has multiple FDCPA violations furnishing information on a consumer credit report without the consent of the consumer is a violation of the FCRA.
Consumer complaint received 2022-03-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CrossCountry Mortgage LLC (FL)

PREVIOUSE COMPLAINT XXXX - WAS NOT RESOLVED. NOT PROVIDED WITH WHAT I ASKED FOR. 

To whom it may concern I am writing this letter because I have already attempted to get a validation for late payments being reported to reporting agencies by Cross Country Mortgage. After receiving a letter back from XXXX XXXX, she stated in her findings that I was in the process of getting a loan modification when the account was sold and transferred to another lender which means I no longer owed Cross Country and now my debt was with the new company. I am writing because when I was in that process of loan modification and obtaining a forbearance, I was told no late payments would be reported during that process and before it could be fully modified the account was sold and they did the modification for me. What I need from your company is the XXXX negative late remarks being reported to the reporting agencies removed from my file. I am asking for a goodwill letter request and would like a Universal Date Form faxed over or mailed to all reporting agencies to be sent out on behalf of Cross Country. There is no need for Cross County to maintain these negative remarks as I have no debt with this company and these remarks are causing me a great harm financially on my background. I am asking for a good will request and have all negative remarks removed or show the proper debt validation that these payments were late even though I was in the process of a loss mitigation and was told no late payments would be reported during that time. 

Once again, it cost your company nothing to remove these negative remarks from all reporting agencies.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have applied to an apartment complex and I received experien rental bureau is stating a civil action that is prohibited me from getting an apartment for me and my child for personal family and household purposes I am demanding that Experien remove this civil action from my consumer report as they did not have permission to report this information in the first place attached will be proof of the Report provided by Experien and proof of identification
Consumer complaint received 2022-05-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX 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
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have received letters of an amount owed XXXX} from a clinic that I never went to, someone used my identity for the services of that company, I have tried for more than a year to talk and resolve the situation and it has not been possible. The invoice was successfully disputed and withdrawn from XXXX and XXXX after investigations that prove that the debt does not belong to me, however experian continues to reflect the collection, I need this debt to be removed, it affects my credit and my opportunities to take out a loan
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Federal Pacific Credit Company, LLC (MO)

I leased a car from XXXX in XXXX  XXXX, MO. Paid for it on time for 2 years when the transmission went out. I paid the {$500.00} deductible for XXXX to take it to the mechanic of their choice to put repair. I got the car back 4 weeks later after threatening to call XXXX XXXX XXXX to have their Problem Solvers team try to get my car back. I then drove it 5 months and the rebuilt transmission started acting up. XXXX told me to drive it to their office in XXXX ( 88 miles from my home ). I did so that day. They told me the transmission was going out again but I'm 6 miles over the warranty so I have to pay another {$500.00} deductible to have it repaired again. I asked if I could pay the up charge to get a different vehicle this time. They said I would still have to pay to have the transmission replaced because I can not turn in a car that is not in the shape it was when I purchased it. They said the only other option is to pay the {$2000.00} to get out of the lease. I asked if I could write a check, they said no it would have to be money order or cashiers check. I went to XXXX  XXXX XXXX and got a money order, took it back and paid to get out of the lease. They said they would get paperwork to the bank and I would recieve it within 90 days. At the end of the 90 days I called XXXX they said I needed to call the bank that financed it & gave me the number. I did the bank representative told me they send all clossed account info to XXXX  who then sends it to their customer & I am the customer so I need to take care of it with XXXX. I called XXXX back & the person I needed to talk to was " on the other line '' so I called back 3 times a week, always being told the above excuse or that person " is not in ''. I did this weekly until they closed that location. I tried to call the other location and was told they have no way of pulling info from the closed location. So I had no choice but to hope my {$2000.00} payment went to what it was meant for. Now I see it didn't and Federal Pacific Credit Co, LLC now owns the rights to the lease/loan and are trying to make me pay the remaining balance through their collections dept named XXXX XXXX  XXXX
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX  XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I made one transaction that made my account overdrawn, which I accept one overdraft fee but instead they posted the smallest amount left some pending and overdrawn my account with 6 {$35.00} fee a total of {$210.00}, I had money to cover all the transaction done during the week all the way until last transaction
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.
Consumer complaint received 2022-03-17
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. (MD)

I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the XXXX, XXXX, and Equifax to investigate this and have it removed.