davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-20
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 (FL)

I have disputed my charges 3 times with Capital one on charges for XXXX XXXX XXXX that is a non existing event. I spent {$1600.00}. This event was promoted that it would be held at XXXX XXXX 's XXXX. XXXX XXXX granddaughter was one of the huge promoters for it. We were excited to plan our vacation and we were looking forward to it. Then the announcement was made that the event was NOT going to take place at XXXX XXXX XXXX XXXX. This was devastating news to us, as we were saving and planning our vacations days to attend the ranch. We found out it was canceled due to the XXXX XXXX XXXX owner not meeting his financial obligation. This is when we first disputed our charges due to the event cancelling and there was not a second location announced. Capital One refunded our money then took it back since there was a second venue announced. The 2nd venue was XXXX XXXX In XXXX that was not approved. They then had a 3rd venue was announced then cancelled due to not meeting state requirement. As of today there is not a venue for XXXX XXXX XXXX. Capital one said we disputed too soon and now it is too late. We should not pay for an event ( vacation ) that we planned that is non existing.Capital One has approved refunds to other customers. They asked me to get a claim number and name and that would help my case. I provide that in all the documentation they requested to help my case but still no refund. This event was a scam that has been on the news and well as BBB has confirmed it. I am asking for Capital One to do the right thing and refund our money. I trusted in my credit card company to protect me from fraud
Consumer complaint received 2022-12-01
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-15
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. (NV)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

Lender is stating that my account was 30 days late XX/XX/2016, and added another month and stated account closed XX/XX/2016, when the loan was closed and paid in final XX/XX/2016. 
I've had numerous issues with Santander and will be formally filing a complaint with Federal Trade Commission.
Consumer complaint received 2021-07-22
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. (MD)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 
It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB, I have sent in countless letters to Experian, TransUnion, and XXXX, neither Consumer reporting agency has removed the XXXX XXXX account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. XXXX, TransUnion, and XXXX please delete the account before I seek litigation.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: State Collection Service, Inc. (SC)

On XX/XX/2022, my employer received a call from XXXX asking for me in relation to a personal debt. The phone number they called from was XXXX and XXXX. The representative told my employer her name was XXXX. 

I can not find any information about this company or the phone numbers. When I try to call them back, I am unable to get through. 

I am not allowed to receive personal phone calls at work and this had XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I can not get ahold of anyone, I am unable to tell them to stop contacting me or find out information regarding the alleged debt I owe.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (AZ)

I received a call from Sunrise Credit Services, on behalf of XXXX XXXX XXXX that I was in collection due to an account in a state that I do not or ever have lived in. 

I submitted this to XXXX XXXX XXXX fraud department and they submitted that they received the information but then never responded. 

No updates, no calls, no emails.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I Closed my Capital One Account a few months ago, this was a Pre-Paid Credit Card & the only way that I could Close this Account, I had to Pay the Balance off in Full, a few days ago, I received a Credit Report from XXXX & to my surprise. Capital One has submitted a FALSE REPORT, SATING THAT MY ACCOUNT IS 30 DAYS PAST DUE. This is a False STATEMENT & THIS IS CAUSING MY XXXX XXXX to fall tremendously low. I tried to log onto this Account, but I can not contact them via my Log in information,,,
Consumer complaint received 2022-12-01
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  XXXX Account name : XXXX {$1300.00}, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (CA)

Amerihomes listed on my credit report that I had 30 days late marks on their account XXXX, XXXX, XXXX XXXX and XXXX of 2020. Previously they said that I miss a payment in XXXX of 2020. I showed them proof of payment and had correspondence with their loan administration department to resolve the issue. A department person said that while we were trying to resolve where the missing payment came from, they gave me a 'Rolling 30 ' which means that even though I continued to make my payments on time, they were reporting that I was 30 days late and putting those marks on my credit report. 

This is an extremely unfair practice because I assumed that we were trying to resolve the issue together and Amerihomes was going behind my back and reporting negative information on my credit report.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TN)

XXXX XXXX sold our loan to Fay Servicing. XXXX XXXX did a loan notification before loan was sold. Fay Servicing states that they dont have loan modification papers from XXXX XXXX and XXXX XXXX states they have sent it to them. We have been paying the modification payment since they took loan over but the statements coming in shows we havent been making payments when they draft the monthly payments from my XXXX  XXXX XXXX checking every month. Then they state they since the modification is now over in which they had no record of the payments will go up XX/XX/XXXX, but said the we are in pre foreclosure at the moment. They also sent XXXX a new modification in the mail for us to sign which makes the loan stretch out to XXXX when we only owe XXXX on the home and will be paid off in 5 years. We have to fight them to accept our payment every month. We need help.
Consumer complaint received 2021-07-21
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 them my updated Driver 's license, utility bill, and SSN card. However they are using stall tactics to keep errors on my report. They are violating my rights.
Consumer complaint received 2021-03-09
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. (NV)

XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IL)

On XX/XX/22, I received notification on XXXX XXXX that someone wanted to buy the bike I was selling for {$130.00}. They offered to send me the funds via XXXX to hold for later pick up. They said that they sent the funds to my personal email address that I had provided. I immediately received an email from XXXX saying that because my account was not a business account, I had to have a minimum of a {$300.00} transaction to activate the account in being able to receive the {$130.00}. It went on to say that I should ask the buyer to pay me an additional {$170.00} which would bring me to the {$300.00} minimum threshold and then simply refund the buyer the {$170.00} when done. The buyer, who said he received the same email, offered to send the additional funds. In both transactions, the buyer sent me a screen shot of the 2 deposits. I recieved another email from XXXX stating that they received the 2nd deposit and that once I refunded the extra {$170.00}, the final payment of {$130.00} would be released. I hadn't received any funds at this point but regardless, sent the buyer the refund for the {$170.00} per XXXX 's instructions. I then received yet another email from XXXX saying the {$170.00} I sent failed somehow and instructed me to send yet another {$170.00}. This is when I realized that I was being scammed and further relaized that the emails from XXXX were not valid and were in fact part of the scam. My husband, XXXX and I immediately contacted PNC for support to which they said they could not assist us in reversing the transactions and/or recovering my funds. I was scammed out of {$170.00}.
Consumer complaint received 2019-09-25
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: Experian Information Solutions Inc. (OH)

Experian continues to allow a fraudulent accounts to report on my credit report damaging my credit worthiness to and ability to obtain any future credit from lenders. Ive obtained legal counsel to begin the process to file a legal suit against Experian. Sent Experian copies of a contract with my signature forged. Ive sent Experian ftc and police report. Ive sent sent Experian identity theft claim Ive set Experian deleteion from other credit bureaus. 
Experian is refusing to block and knowingly allowing companies to falsley report. Ive attached again copies of everything I sent to Experian to get this matter delete expeditiously!
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2019-09-25
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: Commonwealth Health Corporation (KY)

I am being billed for a service that was paid by two insurance companies including XXXX and received a letter stating what I am allowed to be billed and they far surpassed that and also being billed for people who were never in the room!
Consumer complaint received 2018-05-11
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: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, XXXX and Experian are reporting things against me they can not substantiate. 
What can I do?
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-10-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Consumer complaint received 2021-07-21
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. (FL)

I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-21
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. (FL)

I wrote the three credit bureaus, XXXX, XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I had my bank make a {$100.00} electronic payment to Capital One on XX/XX/XXXX. It was posted to my bank account on XX/XX/XXXX. As of XX/XX/XXXX it has not posted to my Cap One Acct. They now consider my acct past due and have suspended it. Four phone calls including one with my bank on conf, one chat session and 11 people and 4 days and I know no more now than when I started
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

Theres a few things a few banks I have issues with that Ive had problems with US Bank and XXXX XXXXXXXX XXXX, as well as union bank in California. XXXX XXXX another one. Tell this year is Ive been trying to receive my money from the XXXX  as well the XXXX XXXX XXXX they deliver their money to their banks or their establishing, and stay on, but I never seen to receive it especially with XXXX XXXX I can give me long list and insists and I dont have exactly what you guys want for me to show you but I have proof if you could get hold of me and I want see if I can resolve this I just want my money that I work for XXXX is another. How do you want that I need to check into it so Im going to others and ever receive my money for my customers to pay me houses in some kind of problems going on with something in the middle of in between pocket so I figured I was I was a victim is it that that is the reason. Im just tired of not exceing the money the mu I said to pay for have a ride services. As far as my customers go out I do great job I havent received one paint I think someone see if you could look into his XXXX XXXX  as well