davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XXXX  has been non-compliant with removing the unverified account USAA FSB XXXX which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that USAA FSB was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Consumer Telecom & Utilities Exchange, Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TELECOM XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXXD Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
TELECOM XXXX Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was due to close on a home loan today XXXX with Capital One XXXX XXXX. Which had been extended already a week due to the paperwork not being handled correctly. I had called everyday that week till today and was told everything is fine and just waiting on the under writing. Now come closing date I am denied and can no longer proceed. Six weeks of wasted time. I will lose the XXXX dollars of the earnest money. The XXXX $ on the inspection. I called the XXXX agents that were assigned to me all morning and no phone calls back for hours. None of them knew what was going on. Eventually called there managers and same answer. Waiting on the underwriters. Just unprofessional and unorganized.
Consumer complaint received 2022-08-18
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. (NV)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Card was a Vanilla Gift Card. Once card had {$150.00} loaded onto it and the other had {$50.00} loaded. XXXX was supposedly activated in store but no purchases can be made online or instore at all. I tried contacting customer service but I was only able to get an automated voice recording and cant seem to get an online representative on the phone. Many others online have reported their cards being changed unknowingly or not having access to any fund on said card.
Consumer complaint received 2019-04-04
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 — Was not notified of investigation status or results
Company: LoanCare, LLC (DC)

I have a loan with LOANCARE SERVICING CTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and LOANCARE SERVICING CTR were no successful resolution. XXXX, XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late an 2018, XX/XX/2018, XX/XX/2018, XX/XX/XXXX, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 2018
Consumer complaint received 2019-04-04
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 (TX)

Capital One closed me for " behavior inconsistent with use of an account. '' I had a negative balance of {$15000.00}. 

It has been nearly three months, and Capital One still has not returned this balance to me.

They are effectively making free interest off my money. It needs to be returned immediately, preferably with 2 % interest, the prevailing interest rate - for last three months.

They should also return my confiscated rewards of {$220.00} dollars as a good will gesture for holding my money this long.
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. (CA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX 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 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 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 XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2019-04-04
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE. with no successful resolution. XXXX asd XXXX  was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX XX/XX/2018
Consumer complaint received 2019-04-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion has been using some come of software to hard into my clients data base. Why I know this b/c everthing I get into their site they book me off I've been a victim of ID theft and I've seen a lot of bank shy away. If they knew the pain I had to endure POLICE report constantly, hacking, filing to you guys and ftc Law said we have the right to dispute any inaccuracy and they are required by law to look into it or at least do a reason investigation they have fail me miserable
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Western Mercantile Agency, Inc (OR)

I Received a call from Western Merchantile in XXXX XXXX Oregon 2 1/2 months ago. 
Talked to a XXXX who informed me that I had a medical bill from 15-17 years ago. 
I told her that was very odd considering how old it was and how we just paid off all of our medical bills with XXXX. I told her when we did we specifically asked them if there were anymore bills with them. They informed us we were clear! 
When XXXX called about this bill, I informed her, in the 15-17 years, this is the very first time I have ever made aware of this medical bill! 
I do not have a clue what it was for, nothing. 
She wanted to collect . I told her I was going through a divorce and work was slow I wasnt working. I had nothing!!! 
I told her the monies I had, I have a XXXX year old daughter that I have custody that I have to think about & keep a roof over her head. 
XXXX then informed me she would call me back in 3 months to see where I was at and arrange a payment plan. 
I went to use my debit card on XX/XX/19 at a grocery store having {$1300.00} in my checking account. My card was denied do to insufficient funds. I had another card from an account that had a bit of $ left in it that was the joint account from when I was married. I used it and it too was denied due too insufficient funds.. 
I looked at my bank account and it said western merchantile {$1100.00}. 
I contacted my bank first thing XX/XX/19 and they had informed me that western merch. Had garnished my account. 
This has come to surprise to me as I had not received 1 phone call nor did I receive 1 letter in the mail. 
XXXX did not call me To set up any payment plan like she agreed. 
I had written checks to pay my rent, my power bill. Those checks obviously are no good now due to her taking my money from my checking account without notice. I have been penalized for the checks by my bank. I have also been charged {$120.00} in garnishment fees by my bank, leaving me with a negative balance and no monies to pay for my daughters medications! 
I want something done about this as it was crooked the way Weatern Merchantile went about this!!!! 
I know NOTHING about this medical bill!!!
Consumer complaint received 2019-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Equifax and XXXX has been using some come of software to hard into my clients data base. Why I know this b/c everthing I get into their site they book me off I've been a victim of ID theft and I've seen a lot of bank shy away. If they knew the pain I had to endure POLICE report constantly, hacking, filing to you guys and ftc Law said we have the right to dispute any inaccuracy and they are required by law to look into it or at least do a reason investigation they have fail me miserable
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (OR)

On XX/XX/2019 at XXXX - XXXX XXXX XXXX from XXXX , XXXX & XXXX , XXXX . who is representing XXXX XXXX XXXX, contacted me via email regarding an account that they have filed a lawsuit against me ( Oregon XXXX ) along with another debt that they are also representing XXXX XXXX XXXX but does not have a lawsuit associated with it. They have stated to settle with them without defending myself in the lawsuit. They have threatened lawsuit with the non-lawsuit account and suggested that I file for bankruptcy, thus trying scare tactics to pay them in full for debts that are being disputed.
Consumer complaint received 2019-04-04
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: Experian Information Solutions Inc. (OH)

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I demand a copy of any type of proof for claim. I have no business dealings or paperwork until then please delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Gordon, Aylworth & Tami, P.C. (OR)

On XX/XX/2019 at XXXX - XXXX XXXX XXXX from Gordon , Aylworth & Tami , P.C . who is representing XXXX XXXX XXXX, contacted me via email regarding an account that they have filed a lawsuit against me ( Oregon XXXX ) along with another debt that they are also representing XXXX XXXX XXXX but does not have a lawsuit associated with it. They have stated to settle with them without defending myself in the lawsuit. They have threatened lawsuit with the non-lawsuit account and suggested that I file for bankruptcy, thus trying scare tactics to pay them in full for debts that are being disputed.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX AND PORTFOLIO RECOVERY have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES. 

I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears. 

Any help in this matter will be appreciated.
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: Experian Information Solutions Inc. (TX)

ACCOUNTS INQUIRES 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 ..... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 This account have now been not only placed on my XXXX but has now been placed on my Experian and XXXX not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.
Consumer complaint received 2019-04-04
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: EMCC Holdings, LLC (GA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (HI)

I am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my Experion,  XXXX, or XXXX reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citi Bank promoted XXXX XXXX XXXX miles when I open Citi Priority account. 
Received bank Debit card XX/XX/2019. My bank account is XXXX I sent {$750.00} debit card within 60 days and paid 2 bills every 2 months fro reward requirements.

So, I matched Citi requirements, I have chatted with online XX/XX/2019 and Representative XXXX said that my spending are matched and with till 90days, around end of XX/XX/2019. 
But I didn't receive AA XXXX miles yet. 

Regards,
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my XXXX, Transunion, or XXXX reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

They XXXX XXXX is reporting inaccurate information to 3 credit bureaus which negatively impacts mycredit score for a 1 missed payment XX/XX/2014 for {$57.00} in which they never sent a bill or sent it to an incorrect address a mistake on their part-/ this happened their error 4 yrs ago and their mistake should have no bearing on my credit score! I want them to correct their error with all credit bureaus onvolved also when I paid off my balance in 2014 I told them to close my account which they also have not done!! Their services are very poor to say the least!