davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

contacted the Credit Card Company Capital One the account balance was XXXX and due to late fees i am in collections for XXXX. I contacted them back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card account without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court. Capital One actually filed a small claims complaint that i was unable to attend due to XXXX.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Was sent an offer for a CAPITAL ONE SAVOR CARD with a {$300.00} sign up bonus if I spent {$3000.00} in first 3 months. Called for my bonus and was told there's no bonus with this card. Said the card that was approved did not have a bonus. Gave me a lot of small print and mouth. Finally, after talking or arguing with supervisor, he said he would submit a complaint. Never heard back from them.
Consumer complaint received 2022-04-13
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. (CA)

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE TRANSUNION FRAUDLENT HARD INQUIRIES XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XX/XX/2022 TransUnion
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (FL)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 41 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

XX/XX/2019 Commonwealth Financial was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Commonwealth verified this account as mine and inserted back onto my credit file however they do not belong to me. Commonwealth did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Commonwealth is continuing to report inaccurate information onto my credit file. Not only that how can Commonwealth verify anything medical with a credit agency being that I have never signed HIPPA form authorizing XXXX XXXX to have access to my patient information.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

Below is a copy of the letter sent to the XXXX XXXX XXXX XXXX, XXXX XXXX, at Wells Fargo Bank. 

XX/XX/2022 Dear XXXX, In response to your investigation conducted over the past couple of weeks regarding the international wire fraud of {$60000.00}, my comments are as follows : -I reported this wire fraud within an hour of the occurrence by calling the Wells Fargo XXXX branch manager and requesting a Swift recall. 
-I was told that a recall had been initiated and that Wells Fargo would involve the FBI as part of the process. 
-I put a hold on my accounts the same day, XX/XX/2022, Ref. # XXXX -The next day, XX/XX/2022, I went to the Wells Fargo XXXX branch and met with XXXX, XXXX and XXXX XXXX They assured me the wire recall was being escalated and that the Fraud Team was on it. 
-On XX/XX/2022, we changed all my accounts, opening new accounts and closing the old ones. 
-I began changing all my other personal accounts and changing usernames and passwords. 

Then, I waited, checking each day for updates. A case number was issued XXXX I did receive a couple of messages, telling me that Wells Fargo was investigating. You also sent me a message stating that a response would arrive by XX/XX/2022. But then, I received another message from you, requesting more time and your response would come on XX/XX/2022. 

When I read your email response on XXXX XXXX XXXXXX/XX/2022, I was stunned. 
You stated, " That due to a high volume of fraud cases, a recall wasn't sent until XX/XX/2022. '' This is totally unacceptable. According to your response, the FBI was not involved at all. I am extremely disappointed by Wells Fargos lack of performance, on my behalf. 

I have returned to the Wells Fargo XXXX team and expressed my dismay at the entire process. I am considering action against the bank for inadequate action and performance. 

Thank you for your time, XXXX XXXX.
Consumer complaint received 2021-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (AZ)

Hello on XX/XX/2021 I had a medical collection account from a 3party collection company by the name of CommonWealth financial put on my credit report for the amount of {$1800.00}. I requested Validation of the debt be sent to me via certified mail. CommonWealth Financial received my letter and responded with a itemized bill on XX/XX/2021, No contract not signature of each medical procedure they are saying I had done! This response clearly violates my right according to HIPAA. They did not provide me with a HIPAA release form that releases my medical information to them, therefore by providing this information they are in violation of my HIPAA rights! I am proceeding with legal action against the above creditor should this item not be deleted within the required legal time. I will also file a complaint with XXXX and the XXXX
Consumer complaint received 2022-04-13
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)

This message is not in error I submitted a dispute informing Experian that they were violating my rights as a consumer pursuant to 15 U.S. CODE 1681i ( 5 ) and 15 U.S CODE 1681e ( b ) in regards to accounts U S DEPT OF EDXXXX # XXXX
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX XXXX  central standard time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA placed a fraud alert on my credit report without my consent.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have reach out to XXXX many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CMRE Financial Services, Inc. (IL)

XXXX XXXX, XXXX Dear Investigation Unit, The purpose of my letter is to request assistance as my rights as a consumer have been violated by CMRE agency. I have communicated with this organization and have made payments towards a medical debt that I have with XXXX XXXX Hospital in XXXX IL. 

The original balance of {$250.00} was for my deductible after being hospitalized. I have been making monthly payments on this account. Most recent payments made were on XXXX/XXXX/XXXX in the amount of {$50.00}, next payment made was on XXXX/XXXX/XXXX in the amount of {$50.00} the statement date for the payment was XXXX/XXXX/XXXX .There were payment made prior to the hospital before the account was turned over to the collection agency. 

When CMRE agency received the account, they stopped sending statement and place the debt on my credit report. I have received no other communication on this account to continue to make payment. 

This is a violation of the fair debt collection laws. As a consumer, I have received any calls or billing statements to make me aware that there is an outstanding debt owed is agency. When contacting the agency I spoke with a representative name XXXX XXXX ext. XXXX, she stated that I have another outstanding debt with them in the amount of {$480.00}. There has been no communication regarding any outstanding debt from any organization. 

I 'm requesting your assistance to have these accounts removed from my credit report. This is a fraudulent practice on the behalf of CRME refusing to communicate with a consumer that a debt is owed. As a consumer, I have the right to be given an opportunity to pay my debt by being notified via communication either by phone or by mail. Rather than just applying a judgment on a consumer 's, credit report. It is because of companies like this that American if in the financial distress. 

I 'm deputing their fraudulent practices and requesting assistance. 

Sincerely,
Consumer complaint received 2022-04-13
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. (VA)

After reviewing my credit report i noticed a ton of errors with incorrect and false information. Also please note that I checked the source and my data was affected by the XXXX data breach as well as the XXXX XXXX data breach. Which is extremely unfortunate for me. Those breach 's have caused false account attempts ( inquires ) false addresses and even as far as accounts that do not belong to me that were open. On XXXX i sent a letter out to the said consumer reporting agency Transunion as of todays dates XXXX i have not received a response from them. in my letter i did inform them of the false and negative information and how with my credit report not reporting 100 percent correct as it is supposed to that they have violated me as a consumer which also means that the consumer reporting agency has civil liability for willful non compliance. i understand that it is the CFPB place to govern them. Please get on Transunion with doing the duty of completing the investigation within the allotted time of 30 days. I am also aware that if a investigation has not been completed in the allotted time then the items must be removed from the consumers credit report. 
the item by XXXX XXXX XXXX, that is not even mine not only is it not mine but it is reporting as an open collection, which a collection account can not be open, also again i have never did business with this said company of XXXX XXXX XXXX the, account information is inaccurate and not reporting 100 percent correct. there is not even an account number and please do not respond to say that is for the person or the consumer safety because nowhere in the book or law does it state that is to be what it states is to have the full information of an account, report it 100 correct. another collection item is listed on my credit report as XXXX XXXX XXXX XXXX, that doesn't belong to me, I have never did business with said company and of my knowledge collection company has to issue notify in writing 5 days prior which have not been done. as the original creditor i do not validate this alleged debt ; also there ar4eother items on my credit report one with XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that are reporting incorrect payments amounts, payment status which is a billing error, payments were paid as agreed on time which is a billing error violation with inaccurate reporting information. 
I have attached the letter that i have sent to them along with my drivers license to prove who i am as well as a statement to verify me at my address. and Per my usps search the documents have been received.
Consumer complaint received 2017-01-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MS)

I recently received a letter from convergent outsourcing an outside debt collection agency for XXXX. I do n't owe any such debt to this collection agency nor XXXX..You will also see attached documents of this alleged been sold to XXXX different collection agencies within a XXXX day period. Convergent sent a settlement offer and the company a demand for balance in full or they would report a negative mark on my credit report.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Equifax added a personal statement to my credit report. One that I DID NOT request or authorized. What they did is took my complaint resolution from consumer finance and added word for word to report. That does n't seem professional or legsl.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paradigm Assets, LLC (AL)

JHPDE Finance has XXXX accounts that they continue to report the wrong information and they have sold the account to another debt company named paradigm which are trying to reopen the accounts. Both accounts are past the statue of limitations. Both collectors are trying to collect. These accounts were not opened in XX/XX/XXXX. They were opened long before this time and unfortunately they were delinquent before XXXX. They have the wrong information on the accounts and have refused to present it. JHPDE says that the information is correct. But still have not presented any correct information. This information should be removed from my credit report because it is past status of limitations. It should be off as of now XX/XX/XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

XXXX XXXX is my name social security number is XXXX please have checxsystems remove security freeze permanently off report and dispute all averse information accounts as not mine
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There is no response or proof of the Wage Garnishment from the company in the response and the complaint was closed incorrectly. This is getting ridiculous that this copany can lie and say they filed a wage garnishment for a debt that is beyond the statute of limitations and take money illegally and you are not helping. 

XXXX
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC (IL)

I sent a letter XX/XX/2021 asking them to validate the debt for this collection account reporting on my credit and I never got any response at all. Per the FCRA the debt is automatically considered invalid, if it is not responded to within 30 day and should be removed.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

I had mailed Equifax information about my credit report stating that I have an unauthorized inquiry on my account that Id like removed since I do not recognize it. I then called after 30 days because they never took action. They asked that I mail them again and I did. It has now been over 30 days and they still have not removed this Inquiry from my account.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have fraudulent accounts reporting on my credit reports and have disputed them numerus times. I recently filed a police report regarding these fraud accounts and have confirmed they were received by all three credit agencies. Even with the Police Report I am begin told that they can not and will not be removed! An investigation has to take place and the creditors are the only ones who can remove and or block the accounts in question. This is not RIGHT!!!! I have XXXX % proof of these fraud accounts not begin mine! 
All three Credit agencies have overwhelming proof of these ID THEFT/FRAUD ACCOUNTS. Creditors keep saying these accounts are mine but will not provide any proof or documents to substantiate these claims. The following accounts are fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/23, I wrote American Express a letter informing them of their inaccurate reporting of an account on my consumer reports. Amex is in violation of multiple laws set forth by Congress.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AMEX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( AMEX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 
By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from AMEX for the cancelled debt of {$1200.00} in order to file as ordinary income. Where is my 1099-C AMEX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! 
AMEX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I've sent them this letter below twice starting on XX/XX/2024 the last time i sent it certified on XX/XX/2024. They filed a lawsuit against me and didn't respond to the letter i sent to them. 

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX MIDLAND CREDIT / XXXX XXXX XXXX XXXX RE : XXXX To Whom It May Concern, After receiving numerous calls and letters regarding account no : XXXX, I am hereby providing A REMINDER notice to cease any further communications regarding this account immediately. The Fair Debt Collection Practices Act specifies that debt XXXX are to terminate and cease communication upon receipt of written notice. 

MIDLAND CREDIT MANAGEMENT AND XXXX XXXX XXXX XXXX has inappropriately and repeatedly contacted me with Regarding an unverified debt Regarding a debt that I do not own On a debt for which the statute of limitations has expired Is harassing me by calling me at work and contacting known family members and associates Is using methods of threats or intimidation in attempts to collect the debt Is calling me at inappropriate and inconvenient hours PREVIOUSLY REQUESTED AND STILL NOT PROVIDED amount, name of creditor, verification of judgement if any, proof that they are licensed to collect debits in Michigan, proof of the last payment made on the account Should you need to provide notice of receipt of this letter, please forward said communications to the address listed above. Any additional correspondence I receive from you will be well documented and used to notify the appropriate agencies of your violation of the FDCPA. Please be advised that if communications continue, I will seek immediate and proper remedy under the law. Additionally, I will file complaints with the Federal Trade Commission and the local attorney general 's office. 

Sincerely,