davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Wednesday XX/XX/2022 : I received a text from XXXX saying " XXXX CAPITAL ONE Fraud Prevention Team. Did you Attempt A Transaction At XXXX XXXX For The Amount of XXXX $ REPLY YES OR NO, OR STOP To Stop Alerts. '' I replied NO, and received a response stating : " FreeMsg capital one Bank Fraud Prevention Team a representative will be contacting you shortly. '' A person called and was asking detailed personal questions about my account, and I determined this was not Capital One and hung up. 

I called Capital one at XXXX and spoke with 3-5 people over the course of a 67 minute long call. My checking and savings accounts were closed, new ones were opened, and I was told the funds would take a few days to transfer from the old accounts to the new ones. They also sent me a new debit card. 

Tuesday XX/XX/XXXX : I received the debit card and I was able to see the funds in the new accounts online, but I was unable to add the debit card to my XXXX as a payment method, it said there is a problem and to contact my bank. At XXXX I called and spoke with someone at Capital One who stated that there was an extra measure of fraud protection and my account had been held. They stated that I need to make a purchase in person for the card to work. I went to try buying a coffee and the card declined. 

Thursday XX/XX/XXXX : At XXXX I called Capital One to advise them that my card was still not working. They said the new debit card was somehow linked to the old checking account, so they fixed that. They also stated that there was still a fraud hold on my account. They said they removed it, and that my card should work now. I tried adding the card to my phone again and this did not work, and tried making another transaction in person which also did not work. I called back at XXXX and asked to speak with a supervisor who said basically the same thing : there is/was an extra measure of fraud protection on the account.. they removed the hold and the card should work. 

Saturday XX/XX/XXXX : I was unable to link my new checking account to another financial institution to make a mortgage payment. It stated that the account was not authorized for bank to bank transfers. I called Capital One and explained the entire situation again, and after speaking with a supervisor I was told that there is an extra measure of fraud protection on my account and that I may not be able to make any transactions for up to 6 months. 

Tuesday XX/XX/XXXX : I called the branch in XXXX NY to see if someone there could help me. Someone named XXXX said that the branch can't help customers from out of state, or over the phone, and that I need to contact customer service. 

I haven't had access to my money for 12 days as of right now and I need some sort of action taken. I will be contacting local authorities in addition to submitting this claim.
Consumer complaint received 2018-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IA)

I have a fraudulent entry on my credit report. Someone at XXXX XXXX XXXX XXXX apparently tried to take out a line of credit in my name, and an inquiry now appears on my report. This is a well-known issue with XXXX XXXX, and CFPB has already determined this has happened to up to 2 million other people as well. I called XXXX XXXX, and they state they have no record of any home equity application from me. 

Despite this, Experian refuses to so much as open a dispute. They will not take disputes online, referring me instead to a telephone number. I have called the telephone number several times over the past 2-3 weeks, but instead of being able to submit my dispute, I am instead subjected to hold times of up to almost an hour, routed to customer service agents who take the same information over and over, then placed on hold again, at which point their system hangs up on me. 

I subscribe to Experian 's service, and even if I didn't, federal law allows me to submit disputes. I don't understand why Experian refuses to make this possible.
Consumer complaint received 2019-03-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts were finally blocked. 

A XXXX card, which was the result of that ID Theft and was BLOCKED from my credit reports is back on m credit reports. 
As a result of the ID Theft I had requested XXXX to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX did none of this and I have received zero documents as required by law. 
However, and incredibly shocking These XXXX at XXXX continue to break and ignore the rules of law. XXXX has placed this account back unto my Experian, XXXX and XXXX credit reports, dropping my credit score over 100 pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS. 
EXPERIAN, XXXX AND XXXX MUST BLOCK THIS XXXX ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against Experian, XXXX   and XXXX in Federal Court.
Consumer complaint received 2022-11-30
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. (LA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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 an account without my written instructions.
Consumer complaint received 2019-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NJ)

My car payment is due every month by the XXXX, I typically always pay half in the beginning in the month and the remainder before the XXXX of the month as I have a 10 day period before I am charged a late fee and that is what works for me. However every single day since the beginning of my laon, I get called every other hour by this institution asking me to make my payment if it hasnt been paid in full by the XXXX and they continue this every day until my payment is made in full and I feel it is harassment to call me this many times a day. I have attempted to have this resolved with the company but all they can offer me is being removed from the call list which I do not find fair because I should be able to have a reminder call Incase I do forget but I should not have to have that reminder every other hour of every day.
Consumer complaint received 2018-04-24
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. (MD)

The information far as my name and address that is reporting on my credit report is not correct. The correct spelling and address is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as the other names and address is incorrect.
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (OH)

I reached out to Phoenix Financial Services on Monday, XX/XX/18, because i had pulled my credit report and noticed that Phoenix stated I had an outstanding collection with them for a past medical bill. When I reached out to Phoenix I inquired about the valitity of the debt, and they said based on my name and ssn that it was my debt. Phoenix representative then told me that if I paid off the debt they would provide me with a letter of deletion so that the account would no longer appear on my credit reports with XXXX, XXXX nor XXXX. On XX/XX/18, I made payment to Phoenix for the debt based on their representatives statement that they would send over a letter of deletion within 48 hours but on Wednesday XX/XX/XXXX, I reached out to Phoenix again to ask where the letter of deletion was going to be sent. Their new representative stated that he didn't care what the previous individual stated they would do because they weren't providing the letter of deletion which is the only reason I paid the debt. My calls with both agents were recorded, and they refused to listen to the previous call.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I received a credit monitoring alert that my First Citizens Bank Auto Loan was " Closed '' and that the balance had increased ( see attached screen shot ). My account is not closed and I have never missed a payment ( see attached First Citizens Account History ). I contacted First Citizens about the issue and they advised they were aware of the issue and were working to correct it. I sent a second email and asked if they were aware why didn't they contact their customers to advise them of the situation. I received the exact same " canned '' response from a different rep. I have received no other communication from them and as of today 's date XX/XX/18 the issue still shows on my credit report.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
1

5 U.S.C 1681 Section 602 A. States that I have the Right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.
Consumer complaint received 2018-06-14
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: DISCOVER BANK (CA)

Discovercard has taken a very long time to resolve a double charge on my account and they refuse to acknowledge the fact that I have already wrote checks to the in-home senior care company which they cashed, resulting in an overpayment made by me. The fact that they cashed three checks that I wrote to them has never been looked at, so the charge has remained on my account, even though it was never authorized by me. They are not listening to me when I call them by phone. I have already reimbursed the service provider from their " Mistake '' of charging me twice for the same horrible service, so why does the charge still exist?
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I tried to acquire a home loan in 2018 I was denied due to multiple findings from a company called XXXX who I had never heard of. When I contacted them I was informed that XXXX XXXX had sold my student loan to them without my knowledge. I asked XXXX for proof and was given a billing statement but nothing more. When I mailed them a Validation letter of this debt they continued to mail me a billing statement. I contacted the XXXX XXXX XXXX in XXXX of 2018 and was informed that my loan was with XXXX  and not XXXX. I set up a payment arrangement with the government collection and disputed all of XXXX charge offs since they had no proof of my loans to provide me. Each credit bureaus continue to say this was verified but nothing was ever produced from XXXX or the three agencies.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
Consumer complaint received 2019-03-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NV)

when I first notice that I was going to run into problum with my Mortage payment 's. I contacted toe company and tried to workout a back payme n't plan. the company agreed to work with me. the company instructed me that they needed sirtify fund 's every Month. I agreeded with the company. So the company gave me an account number to wired the fund 's every Month. That worked smooth for about four month 's and then I was blocked in paying my mortage useding that methic. I made severial attemp't to pay my Mortage from that account servrial time 's and was not excepted. I was useing wallmart to pay my Mortage payment 's.

As of XX/XX/2018. I had no way to pay my Mortage account. I was block. And I feel that I was taken advantage of becaused I suffer from XXXX. The company totally confused me with added charges on my account. I have been left totally left in the dark by my Mortage company. Per there instruction I applyed for a workout plan to bring my account current and allowed me to remain in my home.I 'm XXXX, XXXX Veterain. wonded worrier. I was taken advantage of becaused I suffer from XXXX? I'm over welmed by that company.
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (MI)

Receivable Management Services is trying to collect a debt that is not mine for XXXX XXXX XXXX. They can not provide me with a signed contract as I have requested numerous times. The only thing they will send me is a bill that has my name on it and the amount they say is owed. They recently sent me a single piece of paper that literally only has my name, address, policy dates and amount they say is owed. Per XXXX policies an individual can not have an active insurance policy with them if they have a past due balance. They will cancel the policy and you can not get a new one until the other is paid. I currently have insurance through XXXX. The debt is not mine and I have repeatedly asked the credit bureaus to remove the account from my credit reports. They will not because they claim Receivable management has verified the account. The credit bureaus will not provide me with the documents they have to substantiate their claim that the debt is mine. The amount they are claiming that I owe is {$330.00}, and the policy number is XXXX.
Consumer complaint received 2018-12-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I spoke with and Representative on XX/XX/XXXX and told them that I would still be make the plan arrangement on XX/XX/XXXX due to my payroll company has been messing up for the last pay periods. I was threatening that my car would be repo and they can cut it off while Im driving that will endanger me and my family. I called back today spoke with a Supervisor I told him since I got this vechile my payroll hasnt been right he said you have 8 arrangements that you didnt keep I explained to him like did all he other representatives that I couldnt control that our company was changing payroll company and the process has been bad for us. He told me you need to pay today or you will be repo or disable. I told him I was make the payment via credit card he was rude and than I told him yall keep calling and threatening is illegal I will be reporting it he said O we are federal regulated. This is the only transportation that I have for my family yall threatening to take and if I file this report I think they gone try to take anyway. High interest rates as well I wasnt explained this at the dealership
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the listed accounts below : XXXX  XXXX : # XXXX
Consumer complaint received 2019-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from captial one that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX and XXXX need to be removed also
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Telerecovery Corporation (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. SOC SEC number XXXX ODB XX/XX/XXXX A report by TELERECOVERY Date Opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. Balance {$410.00} One other account by TELERECOVERY Two Accounts by XXXX  XXXX XXXX  Theses item as matters are as collectable and valid items on my report is disputed. It is not accurate and the alleged debts are uncontrollable in Louisiana law and a violation of federal law under the fair debt collection practice law. The file are inaccurate as all have prescribed and uncontrollable. See Louisiana Consumer Credit Law, Violation of LSA R.S. 9:3552 ( E ) 60 days of final payment of consumer credit contract or 1 year for revolving loan or charge account. 

Open account, Action on LSA C.C. 3494 ( 4 ) prescribes after 3 years The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ). 


I am requesting that the items be removed to reflect correct the information. 

Please re investigate this matter and delete the disputed item as required by law as soon as possible. 

Sincerely, XXXX XXXX The below deft has always been disputed - they called me at work repeatedly - the debt is uncollectable as it has prescribed under Louisiana law and is still on my credit report and has harmed me in my attempts to get a loan and insurnace rating cor car insurance. similar debts have been removed this one hasd not disptep MONTHS of efforst to resolve this matter TELERECOVERY Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$410.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$410.00} Balance Updated XX/XX/XXXX
Consumer complaint received 2023-04-09
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. (NJ)

The below listed accounts had violated my federally protected rights of privacy under XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 USC 1681, section 604 A Section 2 XXXX also states, a consumer reporting agency can not furnish a account without my written instructions. 


15 USC 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 crime, which add a date to the report by more than seven years. 


15 USC 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 calls to believe that the information is in accurate.