davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After moving to XXXX  from XXXX selling our house, and after waiting to clear all the outstanding bills in XXXX of this year I asked Capitol One to send the remaining {$10000.00} to my new address or to XXXX XXXX. Since closing my account I talked to robot ( 5x ) and 11 live people but I am still waiting for my money on which I was counting during my retirement. At least they all ( except the robot ) were very sorry and thank me for my patient, but no money. 
First they said the they sent it wrong address and since did not came back, I will have to wait three months to make sure nobody cashed it. Then on XXXX they made a new check but was undeliverable ( sent to XXXX instead to XXXX where I live ) and returned to Capitol One. Third attempt was also returned, but I do not know why because the never gave my the XXXX tracking number. After the third attempt they said that they will send me an affidavit to fill out and send it back. That also never came. I asked to send me an email, which they failed to do. It seems very suspicious, because before asking for my money they were sending me mane promotional materials using USPS and email. 
Please, contact the XXXX Capitol One, XXXX XXXX XXXX, because he may not be aware what is going on in his bank. I tried, but I am not important enough to answer my letter to him. It is possible that this delaying tactic is done on behalf of the bank or maybe some individuals are trying to get rich on my account. 

Please help me. I need that money as soon as possible. 

Thank you, XXXX XXXX XXXX. If you need additional information, I will be happy to supply.
Consumer complaint received 2021-12-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-12-05
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: EQUIFAX, INC. (VA)

On about XX/XX/2018, I received confirmation from Equifax regarding the removal of the XXXX/XXXX  account from my credit file. However, on about XX/XX/2018, I hired The XXXX XXXX to challenge the items found within my credit file. The XXXX XXXX XXXX stated that when Equifax deleted The XXXX/XXXX  account from my credit file, they failed to also delete the negative history associated with XXXX/XXXX  account from my credit file. Today XX/XX/2018, I spoke again with Equifax. I explained the issue Equifax. 

The representative at Equifax stated they did not receive the dispute regarding XXXX/XXXX until Saturday XX/XX/2018. Based on their response, I contacted The XXXX XXXX XXXX again. I presented the response I got from Equifax. The XXXX XXXX XXXX has indicated that they electronically submitted the dispute on XX/XX/2018. That means Equifax has had this dispute for more than a few weeks now. XXXX XXXX stated that Equifax would have received the dispute almost instantaneously on XX/XX/2018. Prior to ending the call with Equifax, The representative further indicated, they must send this information to XXXX and start the process over again. There are a few issues here. 

Equifax should have cleared the deletion of the negative history when they deleted the item. Today, an Equifax member provided me with information that conflicts what the XXXX XXXX XXXX has stated. Also, both XXXX  and XXXX  where both able to resolve get everything done correctly the first time, so Why didn't Equifax? I'm in the process trying to purchase a home. The time that Equifax is taking to get this right creates issues for me such as more money in terms of down payment, higher interest rates, and or could be reducing that amount I can qualify for when buying my home. This needs to get fixed!
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (AZ)

I bought my house in XXXX back in XX/XX/2018 we had XXXX XXXX with our previous house so we decided to transfer our service with our new house. However XXXX XXXX could not get service to work in our guest house and refused to acknowledge the problem I became annoyed and cancelled my service. Within a few days of getting my service turned on with XXXX XXXX. I tried XXXX and was not thrilled with their Data usage so I decided to give XXXX XXXX another try and they told me they would fix the problem with my guest house. However the day XXXX XXXX was due to set up service the Tech called me and he was at the wrong address. A couple streets over there is also a XXXX XXXX XXXX XXXX but we live on XXXX XXXX XXXX XXXX Due to the  way XXXX XXXX is they said they could not fix the address issue without cancelling service first and they would not be able to turn service on for at least two weeks. This was not a feasible option for us as my daughter needed the internet for college. So I cancelled with XXXX XXXX and ultimately decided to go with XXXX again. At this point I did not have any outstanding bill with XXXX XXXX. 
I received a call a while back from XXXX XXXX and the man on the phone stated I owed XXXX XXXX money it was around {$100.00}. I told him I absolutely did not owe any money to XXXX XXXX and I have my bank statements to show it, he looked at something and then said oh yeah I see the mistake Ill correct it. From my understanding XXXX XXXX corrected the error that I had an outstanding bill. I also can not find the account number that this Radius XXXX is claiming I had through XXXX XXXX. Attached are all the account numbers I could of possible had with XXXX XXXX from my previous house and the times I cancelled and set up service. Of note I also never received a bill from XXXX XXXX with the account number they are claiming I owe. Please look into this as I take my credit very seriously and do not appreciate a big company such as XXXX XXXX coming up with a bill out of the blue and sending it to collections. See the attached receipts as well.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MD)

This company, which I have no contract with nor have received any services from them, reports a collection account on my credit file in the amount of {$480.00} with XXXX Credit Bureau. I requested validation of this debt and account on XX/XX/2018. However, the company failed to provide me adequate proof. Acknowledging this company has no contract with me for services or can provide me adequate proof for this alleged debt, I am not obligated to pay.

15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2018-04-18
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. (CA)

I have contacted Equifax numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that this account be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirement of creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I have requested such documentation from the original creditor and have not been provided anything. I also requested physical verification from XXXX XXXX, who in turn, removed this account from my XXXX XXXX  Credit file. Somehow, Equifax is verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section ( a ) ( 1 ) ( A ) of the FCRA.

When asked about this, Equifax personnel replied that they use the XXXX XXXX  system to verify debts. This is not acceptable. Equifax keeps verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer.

This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX/ {$0.00} / XX/XX/2022
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXX/ {$0.00} XXXX
Consumer complaint received 2018-12-05
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: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX i checked my XXXX score and noticed two hard inquirys i did not authorize nor did i try to open accounts. One is from XXXX XXXX XXXX in XXXX ma and the other is chase card. XXXX XXXX XXXX pulled my credit on XX/XX/2017. I have contacted both the owner and experian to get this removed. It has been a back and forth thing. When i asked the dealership to prove i authorized him to pull my credit he stated he does not keep records and applications that far back. Experian said i could not file a hard inquiry dispute with them and that the owner would have to send a letter to get it removed. I then called the owner back and he said he would not give a letter or talk to experian on my behalf. I then wrote a letter to the experian to investigate this hard inquiry. I called experian back and they said to contact the ftc and they can investigate because they arent authorized to investigate hard inquirys. I tried to call chase card but i could not get in contact. They pulled my credit on XX/XX/2017.
Consumer complaint received 2018-10-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

Experian is a scammer company that will charge from your credit cards without any permission from you. I paid {$4.00} one time fee to dispute some credit report errors without signed up for any free trials or wish to become a paid membership, then I got charged {$14.00} on my credit card for the paid membership monthly fee that I didnt sign up for. This is a straight up robbery!
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On date XX/XX/2022, I sent XXXX, transunion and XXXX a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from there database. 

I then went back to XXXX, transunion and XXXX on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX  informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (NY)

Venmo has stolen XXXX from me since XX/XX/2020 my account has been frozen i have waited the 180 day waiting period no luck all they say is my account Is permanently Deactivated but they dont talk about how im going to receive my funds please help me.
Consumer complaint received 2022-05-04
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: Io, Inc. (MD)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I Have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (OR)

I had a home mortgage loan with Crosscountry Mortgage that was paid in full on XX/XX/2020. They as self reported by them, on XX/XX/2020 to refund me the amount remaining in escrow, in error mailed two checks for {$4000.00} and {$1.00} respectively to the address of the home that I sold. As these type of checks are not forwarded and as I had provided a change of address to the USPS the mail was not forwarded and the checks were never received. On XX/XX/2020 I spoke to Crosscountry Customer Service and the representative told me that she with my phone call was putting a stop payment on these checks and initiated a new check. On XX/XX/2020 and XX/XX/2020 having not received the check I placed calls to representatives who told me that the check had been mailed on XX/XX/2020 and to just allow more time. Then on XX/XX/2020 at the advice of one of these representatives I sent an email to the attention of their research department. I received a letter dated the next day XX/XX/2020 that they would provide a response to my inquiry as quickly as possible but in any event in the time limit required by law. I don't know what that time limit is but today is XX/XX/2020, over a month with no response. On XX/XX/2020 I called and spoke with a supervisor who told me that the representatives that told me that the check had been mailed on XX/XX/2020 did so in error and that in fact it was a request for a check made on that date and that it takes them ( 20 ) business days ( XX/XX/XXXX ) to produce the check and then ( 10 ) business days to receive it by mail ( XX/XX/XXXX ). Having still not received a check this morning XX/XX/2020 I called the customer service center numerous times and was told that they don't know what happened to the check request on XX/XX/2020 and that no check had been cut and initiated another check request with today 's date on it and now tell me that they need ( 30 ) days in-house to process the check. I need some help! 
XXXX XXXX XX/XX/2020
Consumer complaint received 2018-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

XX/XX/XXXX : I was contacted by Navient that I was eligible to have my school loans with XXXX XXXX XXXX XXXX XXXX University discharged as a result of school closure. The letter ( see Attachment 1 ) provided an attachment application for the loan discharge and directions to follow.

XX/XX/XXXX: I was contacted by Navient ( see Attachment 2 ) that my application had been approved. The letter stated that my obligations to repay a total of 6 loans were fulfilled and the loans were discharged.

XX/XX/XXXX : Per my request, my additional remaining Direct Loans serviced by Navient totaling {$80000.00} were then consolidated with XXXX XXXX for a lower interest rate.XX/XX/XXXX : I received a letter from Navient that 11 loans had been paid in full -- rendering my account balance at {$0.00}.

XX/XX/XXXX: I received a series of emails from Navient notifying me of new correspondence in my Navient inbox when I log in ( see Attachments 3-8 ). Upon logging in to my account, my account balance with Navient was listed at {$57000.00} ( a capitalized interest of {$8000.00} ) with the first payment of {$660.00} due on XX/XX/XXXX. Refer to Attachment 9. The balance reflected were the loans I had previously had discharged on XX/XX/XXXX. Additionally, one correspondence stated that the 6 loans I had previous had discharged have been successfully enrolled in AutoPay. This request was not authorized by me. Also, the checking account connected to the AutoPay debit was an old account that I have previously closed.
Consumer complaint received 2020-06-04
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD
Consumer complaint received 2018-12-05
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: Experian Information Solutions Inc. (IN)

Checking for errors on my credit report I found an account and a few inquries I didn't authorize via XXXX, Experian, and XXXX. 
XXXX included inquiries I didn't recognize such as : Screening Reports XXXX XXXX XXXX XXXX XXXX on XXXX, and XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

Checking for errors on my credit report I found an account and a few inquries I didn't authorize via XXXX, XXXX, and Equifax. 
XXXX  included inquiries I didn't recognize such as : XXXX   XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX on XXXX, and XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX
Consumer complaint received 2023-04-19
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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.