davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I called capital one ( in the morning ) and requested total amount due to make the account a XXXX balance, explained to the representative that I was actively looking to buy a house and needed a XXXX balance and that I had alot going on between working in 2 cities ( about 200 miles apart ) and looking for a house and buying a house, and everything involved in moving.and did not want to worry about having to pay the credit card bill every month since it would have a XXXX balance and I would not be using it till after I got my new house. I wanted a total amount He said no problem and gave me a figure of XXXX and I asked him if that was everything to achieve that XXXX balance and he said yes So later that evening I went on the app for capital one and paid that amount before the cut off time of XXXX EST and I left it at that because of what I asked and and even asked if that was everything On XX/XX/XXXX I got a credit score alert saying I had 2 months of late payments on capital one credit card so at that time I immediately went on the app to see what happened I figured it was fraud since I have not used the credit card in awhile and what I found out was there was interest of XXXX cents on the balance. I did not know that was going to be there because the representative gave me a figure that was supposed to pay off and give a XXXX balance. I immediately paid it off. 
When I called to get the latest removed right away or get a letter from capital one saying that the lates we're being removed to give to mortgage company they said I had to send a letter in to them so they could look into it and it will take 30days to respond from the date they receive the letter and that it may not even be removed. I asked even if it was there fault and she said yes. 
Well I had a offer on a house accepted and I asked if there was a way to speed up the process because of the offer and that those lates on my report will cause me to lose the house because mortgage company will not fund loan with them on it And they said no way to speed up the process I asked even if it was there fault, I got no response So that's why I am sending to to you guys Thank you XXXX XXXX
Consumer complaint received 2021-08-27
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: Experian Information Solutions Inc. (TX)

I am having a problem with XXXX and Experian method of removing a old or outdated derogatory information on my credit report that's harming my credit file. Acct XXXX, date. opened XX/XX/XXXX and Experian says open date XX/XX/XXXX? balance {$6300.00}, past due {$6300.00}. date of last active XX/XX/XXXX and Experian XX/XX/XXXX? XXXX. XXXX, date opened XX/XX/XXXX and Experian XX/XX/XXXX? balance XXXX past due {$5000.00}, last active XX/XX/XXXX and Experian XX/XX/XXXX? 3. XXXX, date opened XX/XX/XXXX Experian XX/XX/XXXX? balance {$2600.00}, past due {$2600.00}, last active XX/XX/XXXX Experian says XX/XX/XXXX? this is just a few I have 9 in total. How can this information from as late as XXXX, XXXX? How long does these items stay on my report? I see it says 7 yrs. It also says ALL INFOMATATION HAS TO BE 100 % ACCURATE. This is NOT. How does it has a Date of Last Active if in FACT if its been Charged off yrs ago? NOTE I explained all this to XXXX  and items was deleted. I do not understand this process with these two agencies. These are clear violations to my personal credit profile. I will upload my credit report to further explain what problems I am having. 
1. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

2. All information must 100 % accurate. 
This information is not accurate or reporting agencies may not report outdated infomation. 
THESE ARE CLEARI VIOLATIONS TO MY PERSONAL CREDIT PROFILE..
Consumer complaint received 2021-05-11
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. (MO)

On XX/XX/2021, I mailed a letter to XXXX  and Transunion about 4 negative accounts that were removed from my XXXX Consumer Report because of its inaccuracies and errors. I sent documented proof of the Inaccuracies and XXXX  and Transunion refuse to remove them like XXXX did. Also, I have not received a response letter yet and its been more than 30 days.
Consumer complaint received 2022-01-21
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. (TN)

I recently submitted a complaint against XXXX regarding erroneous billing and charges this week through the CFPB and requested to send the complaint to XXXX. XXXX emailed and said they were reviewing on Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) but still no response to why they are stating deliquent payments when I have overpaid them 7 times the required amount I was awarded to pay. This morning, XX/XX/XXXX I received a notification stating that my credit had decrease by 3 points. When I went to view the reasons for changes it clearly states that now XXXX has increased by balance by {$2000.00}!!! Please review my account and make this stop!!!
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (CO)

I received a phone call on XX/XX/XXXX from this company Diversified Adjustment Services. The debt had already been discussed and satisfied with XXXX in XXXX. I spoke with a manager named XXXX XXXX who took care of the charges that should of never been applied in the first place and sent me a later stating my account was paid in full. Fast forward to XX/XX/XXXX, I have gotten at least 5 phone calls a day regarding a debt that does not exist. I spoke with two reps from this company. One was  decent but did not listen to me at all. Just wanted me to hand over my card for a {$3000.00} bill that does not exist. The rep I spoke to on XX/XX/XXXX was disgusting. He threatened me, insinuated I was a loser that does not pay my bills. Asked me questions that were irrelevant and threatened me with placing it on my credit and bringing up a lawsuit. I politely asked for them to cease contact while I clear it up with XXXX but he laughed at me. Mind you I am still in my 30 days to have them validate the debt per the law from the letter I mailed. I also mailed a letter to them to cease contact while I clear it up with XXXX which I am in the process of doing, but their harrassing phone calls multiple times a day to their nasty treatment and threatening words are out of control and clearly against the law. Help!
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-05-11
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. (FL)

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request removal of below listed hard inquiries as the listed companies did not obtain written authorization to pull my credit. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately.
Consumer complaint received 2023-06-20
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. (PA)

I sent letters to XXXX and Equifax about the wrong addresses reporting to my credit report. 

XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax is showing XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (FL)

I found out Pay Pal Credit ; or XXXX/PPC as it shows up on my hard hit credit inquiry, has done an unauthorized hard hit credit check on my credit report. When I contacted them they stated it was done for an online credit account on XXXX XXXX, 2015. I never authorized this nor have I applied for any such credit. After searching out information on the internet I discovered XXXX reports by others for this exact same problem. Also my spouse and I discovered he had the same inquiry done on his credit report XXXX XXXX, 2015. He never applied for nor authorized such a line of credit either. Both of these hard hits showing through XXXX.
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION AND XXXX  ARE REPORTING ACCOUNTS THAT WERE DELETED OFF OF MY XXXX  REPORT AND IT'S HURTING MY CHANCES OF BUYING A NEW HOME FOR MY FAMILY.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Recovery Agency Inc. (KS)

I checked my credit report and there are 2 negative inquiries that are affecting my credit situation, it is showing medical debt collection, I first contacted XXXX XXXX XXXX to ask about this because I have been paying my medical bills directly onto the website ; I have not seen this last amount, so they told me that the account went to the collection agency Accounts Recovery, phone XXXX. 
I need this debt to be out of my credit report.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a checking account with Suntrust on XX/XX/XXXX and at the time of opening opted out of the overdraft protection that charges {$36.00} for covering transactions when the account is out of funds. I called Suntrust on XX/XX/XXXX inquiring on multiple overdraft charges in my account and the representative explained to me that even though I opted out electronic transactions will still go through at the discretion of the bank and they will be paid. That been said the representative did offer a refund but it turns out she could only refund me 1 out of 13 charges, she told me the system only allows her to process one refund. I asked her why didn't she submitted a refund for the full total and not just one charge and she never provided me with an explanation. When asked for a supervisor the representative told me the supervisor has given her the same instructions. I requested the name of the supervisor and she told me the company policy does not allows her to provide me with that name.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (FL)

Greetings, This is a formal complaint against Medical Data Systems Inc for furnishing information to XXXX  that it once requested removed from all three credit reporting agencies which includes XXXX. 

The actions of Medical Data Systems Inc violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. 

The following documents submitted outline the unlawful conduct and actions of Medical Data Systems Inc in their question to damage my credit standing based on XXXX motivation and retaliatory tactics for filing a complaint against Medical Data Systems Inc with the Florida Office of Financial Regulation. 

Please review the following attachments. 

Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-10-16
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. (WI)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account number : XXXX, & Account name : XXXX  XXXX Account number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to express my ongoing concern regarding an identity theft issue I reported in my initial letter dated XX/XX/2023. Unfortunately, the matter has not been resolved despite my efforts, and I am experiencing financial repercussions due to the prolonged delay. Here is my previous claim number XXXX. 

I have diligently followed the necessary procedures to fix this situation, but the lack of resolution within the past XXXX days has prompted me to seek more help. According to my research, given the circumstances surrounding this identity theft case, I am entitled to compensation and data removal. 

I request a thorough review of my claim and a swift resolution to alleviate the financial strain I am currently facing. I would greatly appreciate your attention to this matter, and I am hopeful for a quick and positive outcome. 

Thank you for your time and assistance.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2015-07-19
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (TX)

I recently renewed a XXXX XXXX Credit Card. On the public website it explicitly states the payment terms are XXXX XXXX. This is not in compliance with the XXXX days which are required to let the consumer pay their bills. I believe a reasonable person would look at this and ascertain this is a continuing violation of the CARD Act of 2009.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

+++++++++++++NOT A DUPLICATE++++++++++++++++++ Santander DBA Chrysler Capital Has violated the Fair Debt Collection Protection Act. 

806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1692e They contracted some very intimidating repo company with " cummin for that XXXX '' T-shirts to follow me to repossess the vehicle and they lifted the vehicle while I was in it and falsely imprisoned me in the vehicle until the police officer told them this was a breach of the peace. I have video evidence of all of this. 

On Saturday, XX/XX/2021 I was verbally and physically assaulted by the debt collectors when they lifted the vehicle with me in it. I closed my windows and called the police at which time the police got a witness statement and saw the video of the repo company blocking me in so a tow truck could hook on to the car and lifting me up while in the vehicle, the vehicle was damaged as a result of this aggressive unlawful debt collection attempt. I suffered injuries as a result and am seeking treatment. All of this happened at a gas station. 

This Company also committed predatory lending in this loan which they must pay me a restitution amount of {$240.00}.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2021 I sent a letter regarding inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the XXXX data breach and may have got a hold of by the wrong person.