davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Opportunity Financial, LLC (MO)

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (TX)

see attachments why CFPB was setup please do not let this great system go away its protecting US Citizens helping us against the Bigger Companies : please fix all the FTC, FCRA, unauthorized Inquires, please see the good accounts paid in full that they dont list but, Just report the Negativities on a USA Citizens ... ... ... ... ... ...

Do they Company have United States BEST INTEREST at HEART!!!!
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I tried to open an account and made aware that I can not because CHEX SYSTEMs is reporting inaccurate information from XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
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. (NY)

On XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Reference # : XXXX record type : Bankruptcy XXXX  XXXXdischarged Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. And incomplete account # This ground for removal.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (TX)

I am writing to you as an insured person of XXXX XXXX. I received services from the in-network facility : XXXX XXXX XXXX in 2021. Prior to receiving these services I had expended the full amount of my deductible and coinsurance ; Leaving no remaining patient responsibility. 

The above facts are not in dispute by the insurer, nor are they in dispute by the provider. 

I contacted Account Resolution Corporation, and advised that this was a mistake, and requested that they contact their Principle ; XXXX XXXX XXXX. They refused. 

After many weeks of trying to get a live body, and a reply, it seems that XXXX had a software glitch, and provided XXXX an incorrect TIN #. I am further advised that multiple consumers were impacted. 

This matter needs to be cleared up with an urgency that none of the parties seem willing to take.
Consumer complaint received 2020-12-14
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)

on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.
Consumer complaint received 2021-03-05
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: CITIZENS FINANCIAL GROUP, INC. (MA)

I have been Speaking To Citizens Bank about a Fraudulent on my Card about 170 Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me
Consumer complaint received 2019-03-20
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. (MD)

XXXX XXXX started my disputes with XXXX on XX/XX/XXXX and since then have sent more letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing various items on my account. Some have been deleted upon not being able to verify but others till remain and have not shown proper verification under the FCRA rules and regulations namely : XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as they have not been able to verify with supporting documentation the validity of the debt. 

EXPERIAN As with XXXX, I sent request for validation of the debt on my credit report and no proper documentation under FCRA rules and regulations have been submitted to me justifying the debt. Namely : XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX AS with both XXXX and experian, items on my credit report were disputed and supporting documentation requested was not submitted. namely : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX XXXX : These Company which allegedly hold a XXXX XXXX debt in my name hasnt been able to supple subsequent documentation to validate the debt under the fair credit reporting act and has reported to the credit collection bureau without proper validation. And thus needs to be deleted from my credit file. 

In Closing all these companies have been given ample time to validate the debt on my file with supporting documentation and have failed to do so. 
Im hoping to resolve this matter with a deletion from my credit file as these items have caused me some distress. 
Thank you
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I have called Equifax and written Equifax many times to get an address off my credit report and have also requested a copy of my credit report. I sent documents providing proof that this was my information. I called and spoke with XXXX at Equifax on XX/XX/2019 and was told they would send me my report and proof that the address has been deleted I have a confirmation number XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I logged into the website to settle a debt I owed to this company. They had a settlement offer attached to the account so I paid the amount the offer that was presented to my screen. The amount was XXXX on XX/XX/2024. Ive checked my account over the course of multiple days from their website that is extremely buggy and they still havent settled this account per their agreement that was presented to me. Not only that they have reported a balance still owed on my 3 major credit bureau accounts of {$99.00}.
Consumer complaint received 2019-03-21
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: Credit Karma (NV)

I recently, got an alert of a hard inquiry that I never authorized. 
1. ) XXXX/XXXX XXXX National Credit Cards/Airlines ( XX/XX/2019 ) I called XXXX/XXXX XXXX corporate office. I was informed by a representative that my information was not in there database. Meaning that I didnt tried to apply with the company. The representative also mentioned that National Credit Cards Airlines dont exist in their company. The representative informed me that credit karma was at fault for the miss information. I was advised to contact credit karma to sort out the miss information from their database. I emailed credit karma but they emailed me back saying to dispute the hard inquiry with XXXX credit bureau. Which, I really cant dispute a hard inquiry, with XXXX credit bureau, unless XXXX/XXXX XXXX directly sends a dispute on my behave. I remind you XXXX/XXXX XXXX   doesnt have my information because I never applied and they dont provide National credit cards Airlines because that doesnt exists in their company. As stated previously, I just need someone to correct miss information from my credit report. 
Thank you for your Cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I started working with XXXX XXXX XXXX to pay off this credit card. The card was paid through XXXX on XX/XX/19. I have called XXXX to try and get this paid off account listed as such with no action taken. Please help since this is hurting my credit score.
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (TN)

Experian violated FCRA by not responding or investigating inaccurate items on my credit report. It has been more than 60 days and they are continuing to violate federal law by indicating I did not file this complaint. I have attached copies of all correspondence with Experian including proof of identification and residency.
Consumer complaint received 2019-03-20
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: Resurgent Capital Services L.P. (AZ)

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX Val {$620.00} LVNV FUNDING - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND TXXXX {$0.00} BALANCE XXXX  IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX BANK - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one is unfairly racially profiling me holding my money with no grounds. Capital one has NO POLICY in place for situations like this and even if they did ppp loans didnt even exsist at the time I opened my account. They told me I have to provide documentation to them when I have already satisfied all requirements with my lender they are just holding my money collecting interest. I received this money in may why are they just now placing a hold this is a lawsuit waiting to happen.
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (IN)

I have been contacted by Capital Accounts daily since the end of XX/XX/2019 in regard to some medical debt from XXXX XXXX. They immediately asked me my intentions to correct this debt. I never received a physical account summary, so I had them email me said document. On XX/XX/XXXX and XX/XX/XXXX, they emailed me this document. I inquired in one of the daily calls, how I can pay this account online. They directed me to their website, which was on the account summary. There are 2 options ; One is an immediate one time payment option, which I told them I am not comfortable with because I want to track what I pay them for my records, but that will pull up my account correctly. The other option is a link to " other payment options '' which I input my information into and it says it can't find my account and to contact a rep via phone. I have told them multiple times I am attempting to verify my account on their online system with some type of portal login so that I can track what I pay them and have records. They say their system doesn't work that way. Every time I ask them why or tell them I need documentation of what I pay them, they abruptly bid me a good day and end the call.
Consumer complaint received 2019-08-28
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: LJ Ross Associates (WI)

LJ Ross is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 LJ Ross appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, XXXX, removed LJ Ross because there was no basis for their claim. I have disputed LJ Ross to XXXX 3 times and they keep coming back saying it's legitimately belonging to me. LJ Ross and XXXX  are destroying my credit/FICO scores by their false claims.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (NJ)

I lost my wallet in XX/XX/2022, someone used it, I reported it. All of the companies investigated and put the money back on my card, except for XXXX Per XXXX, I used my card. I was assigned a fraud person named XXXX. I have left him messages and emails to contact me. 
No reply at all. Its obvious they did not investigate adequately. 
XXXX number XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-08-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Filed numerous disputes on removing bankruptcy from XXXX and Transunion XXXX and XX/XX/2019. Was told it was verified by XXXX I then reached out to XXXX XXXX XXXX speaking with XXXX explaining the issue. I was informed that there is no Bankruptcy in my file disclosure and on my behalf XXXX will submit a dispute regarding the incorrect information being reported to Transunion and XXXX.
Consumer complaint received 2018-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I made a reservation with XXXX XXXX for a trip I had coming up. When I made the purchase, my account was XXXX dollars negative so I was aware that I would get charged one overdraft fee of XXXX for the purchase of the airline ticket, which was fine. I made the purchase and the pending charge was for XXXX. Two days later the charge posted on my account as three separate charges of XXXX each resulting in 3 over draft fees instead of one. I immediately called XXXX and inquired about the charge. They got in contact with XXXX XXXX and both said there was only one charge of XXXX and my bank institution charged it as 3 separate transactions. When I called the bank, I got transferred a total of 7 times explaining the situation over and over and eventually got disconnected. I called back and got transferred another 3 times explaining the situation only to be told that they cant dispute the charge nor can they take the additional over draft fees off. This is the second problem I had with the bank because of overdraft fees that were incurred because of them. I will no longer bank with 5/3 bank nor would I ever recommend anyone to bank with them. Their customer service is very unprofessional.
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (IL)

I am writing to request correction of the error in my escrow account with Planet Home Lending. I have contact Planet Home Lending on XX/XX/XXXX and XX/XX/XXXX explaining in great detail their error involving my escrow account. I related that my property taxes from my county is paid ( 2x ) a year, which Planet Home Lending can easily view from my previous payments over the 10years that I have been with them. Here is the problem my property taxes were paid by Planet Home Lending for the 1st installment in XX/XX/XXXX and the 2nd installment was to be paid in XX/XX/XXXX. I come to find out that during the period before the 2nd installment was supposed to be paid my count had re- assessed the property and the 2nd installment was XXXX, therefore the 1st installment of XX/XX/XXXX has covered the entire re-evaluation for the year. I tried to explained this to Planet Home Lending and they refused to believe that my property taxes were paid in ( 2 ) installment, but ( 1 ) and would not call my county to verify. They withheld my escrow refund for the my 2nd installment of XXXX and my payments has increased due to them saying I had a escrow shortage and I have been paying over in escrow and monthly payments. This is unacceptable for a mortgage company to do this a customer or customers and has cause me great stress and anxiety of paying more than what I supposed to be doing.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (TX)

Applied to XXXX for employment had to get background check with First Advantage. 
Received my consumer report in XX/XX/2017 saying my social security did not match. I went to the social security office to get proof of identification made a dispute. I thought everything was fixed but called and they now said I had a XXXX I dispute it but every now and then when I call they still say I have a XXXX so they haven't fixed it. Now they say they can't find my credit score and history I have I have checked my credit everything matches my name everything is fine so I don't understand how they can't find my information. I have been trying for months to start working and they haven't done anything to fix my disputes and whenever I call they are always so rude and don't want to help at all.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (MO)

XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, XXXX, Experian, and XXXX because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to Experian, XXXX, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.