davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: OLIPHANT FINANCIAL, LLC (SC)

Oliphant Collection Agency placed a collection account on my credit that was opened through XXXX XXXX. I have tried repeatedly to get in contact with someone to get the issue resolved. I was able to finally reach someone at XXXX XXXX and they confirmed that the social security number and birth date was incorrect but transferred me to different departments that kept transferring me to different departments. I have my social security card and drivers license to prove that these accounts does not belong to me. What's strange is that the collection agency placed it on my credit not XXXX XXXX. I tried calling Oliphant Collection Agency repeatedly and no one answered.
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I SENT THE INVESTIGATION LETTER ON XX/XX/2022 INACCURATE AMOUNT. ACCOUNT NUMBERS XXXX XXXX  AC # XXXX AC # XXXX XXXX AND XXXX # XXXX EQUIFAX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I WAS NOT NOTIFIED OF IT IN THE FIVE DAYS. VIOLATION ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2022-03-11
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. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX  is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX  Bankrupt cy discharged   XXXX    XXXX  ? - Capit al One called  my home and sent me emails  XXXX / XXXX /  XXXX  ? - Capi tal One left voi cemails at my workplace  XXXX  Cap ital One  l eft two voicem ails at my workplace  XXXX  Ca pital One left two voice mails at my workplace  XXXX  I talked to someone  at Capital One and told  them the debts were covered in bankruptcy. They transferred me to someone who was going to try to collect my debt. The call was never picked up.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (AL)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items and authorized inquiries that concern me : DEPT OF EDUCATIONXXXX XXXX Balance {$530.00} DEPT OF EDUCATIONXXXX XXXX Balance {$740.00} XXXX XXXX Inquired on XX/XX/ 2021 XXXX XXXXXXXX Inquired on XXXX XXXX, 2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 TXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2019-05-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Bank in the month of XX/XX/2019 shows ( ND ) as not reported to XXXX  and needs to be updated as XXXX payment. XXXX goes months with no updated information to payment history. Last time it was 3 straight months no payment history.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have been with Capital One for several years now. I pay my credit card every week from my own external banking to Capital One. I log into my online credit card everyday just to check to make sure everything is okay. With their old online platform, although I did have lots of problems with logging into their online credit card account, the old online platform did show me the payments that were made from my external bank account. 

However, with their most recent new online platform, it does not show my payments from my external bank account. I called their Customer Service and complained, but their employee said they do not handle this issue in their department. I then emailed my complaint to XXXX but they ignored my emails.
Consumer complaint received 2022-03-11
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.
Consumer complaint received 2021-04-12
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. (MI)

There are XXXX inquiries on my report that were fraudulently placed there. Ive contacted the creditors and the credit bureaus. Ive sent an FTC and a police report to Transunion and the fraudulent activity still remains on my report. Ive spoke to a manager at Transunion who told me there was nothing that she could do and even though the information was fraudulent it will stay on my report for XXXX  years.
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

Our mortgage company refuses to drop our PMI, even though our " Automatic termination date '' has come and gone on XX/XX/XXXX. After we sent verbal and formal written requests for it to get removed, we received a letter asking us to either pay down the principal by over {$36000.00} or pay them directly for a new appraisal. We have always been current with our payment, and our property has experienced significant appreciation in value since we bought it in XXXX. 

The Automatic Termination Date has the following conditions, all of which we fully satisfy : - submit a formal request - be current on payments - certify that the property has not DECLINED below the original value and there are no additional liens.
Consumer complaint received 2023-03-29
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 (FL)

On XXXX XXXX, fraud had occurred on my chime bank account for {$2800.00}. I have called chime multiple time. I sent chime multiple proof on to why its not me that made those transactions!. Chime has denied my disputes 3-4times. Each time they denied my dispute they come up with some lousy reason to why the denied my disputes. I sent multiple attachments to you guys showing the proof i sent to chime and what chime reason for denying my disputes! Also i even sent screenshots to how they change my phone number to a XXXX voice number for they can access my account. But chime doesnt seem to care. Please help me
Consumer complaint received 2022-07-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OR)

Loan Depot.com, LLC has been mishandling my VA home loan. They sent me 3 statements this month and failed to apply my payment last month even though it cleared my bank, XXXX. They have changed payment mailing addresses several times in the last few months without notifying me. I receive calls from them saying I havent paid. I send them copies of my bank statement and give them the confirmation number but it doesnt seem to matter to them. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I suspect they may be trying to overcharge me or worse, take my home. They falsely damage my credit. They said this issue would be handled by a senior employee, but no one has contacted me. Please help.
Consumer complaint received 2022-03-11
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: WELLS FARGO & COMPANY (FL)

While checking my credit report, I notice an account from Wells Fargo Bank, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that Wells Fargo Bank is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-22
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX, 2 separate charges of {$10000.00} each for a deposit on a {>= $1,000,000} mentorship program were put on my Capital One Credit Card. Due to the policies of Capital One the deposit of {$20000.00} were broken up in 2 payments of {$10000.00} each. The original mentorship program was designed for a 2 week training with the owner of the company. After committing to the program the owner changed the contract to a 5 day training program for a total of 6 session with a 3 month period in between each session. This would put the program an 18 month schedule and out to XX/XX/XXXX with an option of one additional session if I had to miss a scheduled session. XX/XX/XXXX, the FTC shut down the company and froze all bank accounts. As a result, not only was I  able to finish the program but not able to get a refund on my investment. In XX/XX/XXXX, I began working with Capital One to get reimbursed for the charges on my cc. I was given a credit along with the interest that had accrued. On XX/XX/XXXX I filled out and returned the papers Capital One sent me including the front page of the Receiver 's Report. ( I was told it was not necessary to send the 58 page document ). On XX/XX/XXXX, I received a letter from Capital One stating they were recharging my cc. I have not been able to speak with XXXX who is handling my case as she has not returned my calls. The case # is XXXX. In my last correspondence with Capital One I included Regulation Z Federal Law of the Truth in Lending Act. I feel Capital One and XXXX are ignoring me and the law.
Consumer complaint received 2018-10-21
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)

4 business days, per FCRA Section 605B which are allowed for fraud cases, experian has failed to remove XXXX/XXXX and inquiry. 

They have responded that they will work on it trough XX/XX/2018 violation the above regulation
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX Na 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 2022-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (TX)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2019-03-27
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. (MS)

Equifax and XXXX  are reporting incorrectly that I am 120 past due on XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 past due on an account with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-08-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Midwest Recovery Systems (OH)

I have contacted Midwest recovery systems and XXXX credit bureau in regards to an account Midwest has with XXXX. XXXX. This account in the amount of {$670.00} was paid in full as of XX/XX/2018 to Midwest Recoveries attorneys XXXX and XXXX. I've sent a paid in full letter twice to both agencies with no luck. One tells me that XXXX and XXXX need to do it notify XXXX credit bureau and Midwest recovery says that I do. I have sent everyone documentation twice and faxed it once both to the above company. 
Items on my credit report with XXXX sore I have no credit card debt. And everything is at XXXX they are showing open balances from XXXX they will not correct it.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is ( XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current
Consumer complaint received 2022-03-11
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 (TX)

On or about XXXX I reported my Capital One credit card ( # XXXX ) lost.It was locked out by C/O and a new card was issued, when I attempted to activate new card is when the problem started. # 1 I had problems communicating with customer service due to very fast broken English. I was told to send my identification to C/O fraud department which I have and now they say they can't read it.I am very disappointed with the company and have canceled my cards, the problem is I have approximately {$300.00} in rewards they say I am unable to get after I no longer have their cards.I feel C/O owes me this rewards money.