davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

The issue concerns my Capital One MasterCard. My husband and I have been using this credit card issuer for a number of years. On XX/XX/2019, my husband and I left the country for several weeks. While abroad, I was unable to monitor the account activity. 

In late XX/XX/2019, I received an email message from Capital One requesting confirmation of a purchase. I was in XXXX, XXXX at the time and informed the institution that I did not make the purchase. I had a long telephone conversation with Capital One, from which it became clear that someone had used the account shortly following our departure from the U.S. 

Capital One advised that on XX/XX/2019, the day following our departure, someone had called to request a new credit card. At the time, I was in possession of my old card with the same number and occasionally used it for purchases while abroad. 

Long story short, I am the victim of identity theft and fraud and Capital One is refusing to take recognize that fact. They claim that no fraud had occurred and they are holding me responsible for all charges.
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: Franklin Collection Service, Inc. (GA)

Hello. I have an OPEN negative account on my credit report that I am unaware about showing on XXXX and XXXX. I am not responsible for this collection on my credit report. Before I continue, the creditor information is Franklin Collection. The original creditor that is showing is XXXX XXXX XXXX The balance for this account is {$190.00}. Now, this account was deleted from my credit file from last year 2022. I called my credit bureaus and disputed this same exact account last year and the results came back to be verified as erroneous and the collection was deleted from my credit file. XXXX and XXXX should have this on file that this account was once deleted before. In my very own investigation, the first company that added this same collection on my credit report was XXXX XXXX XXXX. Now, the new company that is in charge of this same collection is Franklin Collection. I did not authorize a 3rd party debt collection agency to place this debt that does not belong to me on my credit report. Under the Fair Credit Reporting Act, it is against the law for collection agencies to report debt that they know is inaccurate. Based upon laws and regulations of the FCRA, The Fair Credit Reporting Act promotes accuracy, fairness, and the protection of personal information gathered by Credit Reporting Agencies and regulates access to consumer credit report records. I need to have this account blocked and removed from my credit report immediately.
Consumer complaint received 2020-09-23
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. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax, XXXX and XXXX have all failed to update my XXXX XXXX XXXX XXXXXXXX XXXX  credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC (NY)

The first they called me they asked me for my 4 digit social security and i didnt give it to him. The guy cursed me out, got rude, and threatened that my credit was going to be reported if i dont pay. Then they called my mom and said the same. When she said this isnt his number they said they dont care and they was going to call me untill they got a hold of me. Before that call i caller then 4 times and told them to take me off a do not call list. They are still harassung me and i has to block them. I see they reporter in my credit card reporting but makes no sense. I paid XXXX XXXX everything owed and there telling me that i have to pay them no XXXX XXXX. That makes no sense. Please help me review this these guys are harassing me and my mon and threatenung ne after tellin  the to leave me alone. I told him i know my rights and they still dont care. One more thing they call from different numbers. My mom owne a busineee and they call her there.
Consumer complaint received 2018-12-27
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. (TX)

I have contacted Equifax and XXXX XXXX XXXX XXXX XXXX on numerous occasions, about this issue. As soon as I saw this on my report I notified all bureaus about this activity. I constantly called Equifax and filed dispute to NO avail. Please update your info. reporting inaccurate info. XXXX XXXX has assured me that they are not reporting the inaccuracy.
Consumer complaint received 2023-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023, I made a complaint to the CFPB regarding XXXXXXXX XXXX persistent refusal to correct inaccuracies on my consumer report regarding the inaccurate dollar and cents amount owed on my Capital One credit card account. XXXX continues to be reckless and negligent in fixing the error ( See Attachment ). Additionally, Capital One credit card ALSO is in violation of 15 USC 1681e by reporting inaccurate balances to XXXX because they are missing the dollars AND CENTS amount. Thus, BOTH XXXX AND Capital One are in violation of my federally protected rights under FDCPA, FCRA, UDAAP, 15 USC 1681a, AND 15 USC 1681e. They MUST ensure ACCURACY of the account on BOTH my consumer report AND credit file. BOTH Capital One, the furnisher of the information AND XXXX, the consumer reporting agency are LIABLE for these continued violations of laws!
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (TX)

Re : Debt collection letter ( dated XX/XX/XXXX ) from Radius Global Solutions, LLC. 
Creditor : XXXX XXXX XXXX XXXX RADIUS Global Solutions # XXXX Previous debt collector was XXXX XXXX XXXX XXXX ( XXXX ). Debt was disputed and case was closed and all collection activity was ceased. Have letter from XXXX dated XX/XX/XXXX. 

On XX/XX/XXXX, my XXXX year old daughter received laboratory service at XXXX to test for XXXX XXXX XXXX. It appears that SHE WAS ALSO tested for XXXX XXXX ( XXXX ) Foods, a test that was undertaken without her knowledge or consent. Neither her physician, nor XXXX informed her that such a test was going to be undertaken nor did she consent to such a test. A complaint was lodged with the physician as well as XXXX. We became aware that an XXXX XXXX   test was conducted when we received a bill from XXXX for {$870.00}. The physician indicated that he was going to undertake " XXXX  XXXX XXXX to test for XXXX XXXX. '' It appears that our insurer at the time, XXXX, was billed for an additional test, and the claim was subsequently denied. XXXX indicated that the XXXX  XXXX XXXX ( XXXX ) testing is experimental and investigational and it has not been proven to be effective for routine testing for XXXX XXXX. It is unethical and illegal to order and/or administer a test without a patients consent, and particularly one that is not reasonable and appropriate based on professional standards of safety and effectiveness for diagnosis, care or treatment. 

The case was closed by XXXX, previous collection agency a year ago. Why are we now receiving a letter from RADIUS?
Consumer complaint received 2021-07-19
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. (MA)

This letter is about the following accounts : XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ]. XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$440.00} or my account was charged off {$440.00} ] .This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

Just now, on XX/XX/2023, I am in receipt of a taunting, harassing, and wicked message from EdFinancial in the XXXX complaint portal. EdFinancial appears to be celebrating that my {$70.00} payment was applied to the wrong group, a group I never specified as payment. I was very specific, in my selection of online functions, that my payment be applied to my loan group with the highest interest rate, as it relates to the {$70.00} payment and any hypothetical future payments where I may or may not specify my highest interest loan group for payments.

EdFinancial must stop any and all interest from my loans until they resolve this problem by reducing my loan balance in the desired group for payment of the {$70.00}, especially as since this is a problem of their own creation, and since they refuse to behave themselves when communicating with me.
Consumer complaint received 2019-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NC)

I have reported identity theft and fraud to wells Fargo and XXXX XXXX XXXX   since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I reported a hard inquiry made by WFDS of XX/XX/XXXX after pulling my credit due to being denied a loan XX/XX/XXXX. Wells Fargo has continued to deny the hard inquiry of XX/XX/XXXX. The last conversation I had ( that was stated it was going to be officially recorded ) with XXXX at Wfds in XX/XX/XXXX he stated it was XXXX fault that I had to deal with them they put it incorrectly on my credit report in XX/XX/XXXX. 
XXXX also reported that wells Fargo did not give me credit for making several payments but not deducted from my balance. I am hereby requesting both loan documents loan recorded on XXXX as XXXX opened XX/XX/XXXX AND ALSO LOAN # XXXX opened in XX/XX/XXXX Wells Fargo owes me the difference fromXX/XX/XXXXthru XX/XX/XXXX. That is XXXX X 7 months And I want it deducted from my loan balance immediately. 
Also I went online and was denied access to my account info as per attached screenshots the following happened TWO ACCOUNTS HAVE MY INFO XXXX XXXX XXXX XXXX I want both these copies of loan documents that created each 1 of these accounts I want wells Fargo to admit to their error and credit my payments fromXX/XX/XXXX thru XX/XX/XXXX from some wells Fargo creating a second account which both denied me proper access to my info and prevented proper credit of all my payments as I reported to the cfpb and wells Fargo XX/XX/XXXX XX/XX/XXXX as they did not protect my personal information required by law. 
I have again recently faxed all additional 27 pages of info requested from me by wells FargoXXXX XXXX XXXX XXXX to investigate the numerous reports I have made to a bank I have dealt with since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX va XXXX I have called wells Fargo back every time they have tried to call me last being XXXX . 
ATTENTION WELLS FARGO / XXXX XXXX CEASE immediately from leaving my personal information and name and personal ECW CASE NUMBER on a phone number that is not mine and has never been mine. 
Wells Fargo and XXXX XXXX and all affiliates know that. 
Does anyone from your financial institutions want me to call a bank and give them info on all the reports I have made against your banks since XX/XX/XXXX and name personal names and their extension numbers. Cease please I attached one last screenshot of your eservices online It STATES PROTECTION privacy and secure on your website. Wells Fargo prove it. 
It asked me to answer 3 security questions ( as per attachments and evidence ) to change my password but THERE WAS NO THIRD QUESTION so I HAVE AGAIN BEEN DENIED ACCESS TO MY PERSONAL information held with wells Fargo bank. I am still locked out.
Consumer complaint received 2019-09-16
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: CCS Financial Services, Inc. (TX)

I do not have a signed contract nor any contract with CREDIT COLLECTION SERVICE. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CREDIT COLLECTION SERVICE.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! 

XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

LVNV COLLECTIONS. 
{$300.00} credit limit This company is doubled the amount I don not understand why they doubled the amount. They continue to state on my credit report that I keep missing payments. I've done research on this company ... .and doesn't look like it's a credible company.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give EXPERIAN written permission to furnish these accounts listed below. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Yet again TransUnion has erroneously done something to my credit report. Last month I complained about a company, XXXX XXXX, in which they have removed from my file but not completely. There is still an inquiry of some kind that says XXXX. This is a set up for them to place this company back on my file later. Also, once they removed XXXX XXXX, they did a couple other acts which make my report erroneous, untrue, unverified, and false. I've attached pics. 
1st, TransUnion added a fake address to my file. They then added a phone number and another inquiry that I don't know what it is, XXXX XXXX XXXX. 
2nd, TransUnion has removed a positive credit card from my file which has now dropped my score, XXXX XXXX Credit Card. This is unacceptable. How can they remove a positive reporting card off of my credit file? That just hurt me. All because they are in cahoots with that XXXX XXXX company in which the CFPB is investigating for fraud anyway.
Consumer complaint received 2019-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been sending dispute letters to get one account deleted. They keep saying the account has been verified and updated with every dispute. The last letter I sent was a letter of verification. I wanted to know who and what all was verified. I also ask for copies of documents or a contract. Copies of first and last payments. Names of person or persons verifying everything along with their and phone number and address.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PHOENIX FINANCIAL SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationPHOENIX FINANCIAL SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICE has not even tried to contact me regarding this Fraudulent collection account.  Please have them remove this collection account immediately.
Consumer complaint received 2023-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (AZ)

I opened this loan and was paying it back in installments every 2 weeks. I fell upon hard times and had to stop paying. My roommate left me high and dry and had to full rent on my own. I tried to make arrangements with them but I couldnt afford what they were offering. Id be paying for the rest of my life with the interest rate they charge with the amount that I can afford to pay. Im afraid that theyre going to take me to court or empty my bank account to recover their funds. Im not refusing to pay. I just cant afford to pay what they are proposing which is what Im behind on which is over {$1100.00}.