davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This complaint is specific to practices by capital one bank. I held a personal line of credit with lender since XX/XX/XXXX. I received a letter from capital one XXXX XXXX which claimed the loan was in Default and no additional credit would be extended and once the loan was paid in full the account t would be closed. I was unaware of any default on the account but did immediately paid off the balance of approximately 24k in a single payment. I contacted the lender and was informed capital one no longer offers personal loans and is marking all accounts where possible as in default. It didnt make sense to me at the time but upon reviewing my recent credit report I see that capital one reported my account as delinquent virtually destroying my credit score. They clearly sought a way to remove themselves from the personal loan and caused me personal harm in the process. After seeing the impact to my credit I Immediately contacted capital one to learn they claim my XXXX payment was late because I didnt make the minimum payment. I advised them my payments were always made online through their platform including the final payment to pay the balance. They stated I should not have relied on the minimum monthly payment reflected on line as that could have been inaccurate. In fact they state I paid an incorrect amount prior month ( despite what was stated as the minimum payment online ) which caused a portion of the unpaid amount to carryover from month to month unknown to me. The customer service representative informed me the capital one online banking system was not where we want them to be and that I should not have relied on the minimum payment amount reflected on their system. Why am I being held accountable for a flaw in their online banking system and frankly I now believe this was simply an attempt for capital one to close personal loan accounts through their own admission they no longer want to offer. They want off of these loans now and have undertake questionable business practices to do so. When you call capital one XXXX customer service number the pre recorded message now states capital one is no longer offering personal loans. These are deceptive practices by capital one with intent to elimate loans and create adverse credit impact for its customers. I have challenged this through credit agencies with no success and sent email to Capital One CEO and his executive team and did not receive a single response. The documentation provided by capital one to credit agencies claims a late payment but the specific individual months never reflect an overdue amount. Given likely large scale pattern of behavior and business practices against consumers, CapitalOne will be subject to a class action lawsuit.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Inquires reporting I did not authorize showing on my Transunion report I want removed immediately. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I have reached out to companies and was told I would have to submit dispute. I also called Transunion and have written them several times to inform them of this and they have not done anything. I want these unauthorized inquiries deleted immediately as they were not made by me. Prof of address and ID has been attached.
Consumer complaint received 2023-07-05
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-11
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, has violated my rights. 

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 Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MERFICAP, LLC (FL)

I had 2 years paying for my vehicle, and out of nowhere the financial company called Merficap repositioned the car a black XXXX XXXX XXXX I have not been able to get my car back and apart they have put a debt in my credit bureau. 

paid $ XXXX monthly and they have reported my credit for the total value of $ XXXX and aside an extra debt {$1300.00} These people who will send photos of evidence extorted XXXX $ extra to give me my car The owner of the company is XXXX XXXX
Consumer complaint received 2023-08-02
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. (AR)

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XX/XX/2022 ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX , XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I talked with a representative by the name XXXX to inform them they have the wrong number. I used the company answering menu which states that if they reached a wrong number to indicated so and I did. I have received XXXX calls and messages each day for over a week and it has not stopped even after informing the company that they have the wrong number. The company name is XXXX XXXX? XXXX is the number I called to have them stop calling me but I am still getting calls.
Consumer complaint received 2022-08-28
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. (NY)

My bank mistakingly stated I had a late payment and gave that info to the credit bureaus and the credit report for XX/XX/XXXX showed a XXXX  point drop. At this time I had my bank correct there mistake and the bank sent the credit Bureaus the correction and the XX/XX/XXXXXXXX  credit report showed the correction with a XXXX  point increase. You think this would be the end of this, but no only one credit reporting company TRANSUNION starts there campaign of harassment and neglect against me and my credit report, while we are trying to purchase a new home. On XX/XX/XXXX, TRANSUNION, the only one out of the 3 credit bureaus dropped my credit score XXXX points from XXXX a great score to XXXX a horrible score where I cant get a home loan due to no reason but there negligence due to this is the same account they say is still late. At this time I had my bank send TRANSUNION another letter stating my account was current, and on XX/XX/XXXX they adjusted my score back to its original and correct score of XXXX up XXXX points, you think this would be the end of this harassment and neglect, but you would be wrong. On XX/XX/XXXX once again TRANSUNION dropped my credit score XXXX points from XXXX to XXXX for the same exact account that my back notified them twice before was correct. This pattern of neglect and harassment from TRANSUNION is unacceptable, the other credit agencies scores remained correct. I am a XXXX XXXX XXXXXXXX vet, who has XXXX and XXXX XXXX, since these actions by TRANSUNION, I have had XXXX related issues increase and my XXXX  levels have been through the roof. This company needs to be held accountable!!!
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America does not allow a business credit card to set up autopay to pay their statement balance on their due date. The process is purposely set up to be cumbersome and confusing in order for a business owner to be late on their payment, incurring fees and interest. 

BofA should allow any business credit card user to have the same ability as someone with a personal credit card - be able to set up autopay to pay their statement balance on its due date.
Consumer complaint received 2022-08-28
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. (IN)

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-08-02
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I was in the middle of a loan modification with Wells Fargo Mortgage and aftersubmitting the same documents over and over they dropped the loan modificationand set a foreclosure of the property. I got a copy of a appraisal of my property, without being told it was being done, along with a letter saying the loan modificationdocuments will be sent separately. The next notification was from their foreclosureattorney with a sale date of XXXX/XXXX/2015. I called the representative and she calledback 2 days later saying submit the same documents again. I sent them on XXXX someone from the re entry team called verifying my details. I called the nextday only to hear I am within the 7 day period of the sale date and they wouldn'thelp. I had got a letter from them a month ago saying I was approved for a shortsale that they claim I requested it. I called the lady whos name was on the letterand she said it went out without her knowledge. I was luckily enough to get themoney together to hire an attorney. I got a letter today XXXX/XXXX/2015, dated XXXX the sale date is XXXX/XXXX/2015, which is the first time I received a writtennotification of a change in my loan status. Please advise me of my options as therehas to be multiple violations. I originally had to get the XXXX department involvedto stop the same situation in XXXX 2015.
Consumer complaint received 2021-08-18
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. (FL)

I specifically asked the Auto Dealership to run my credit with XXXX XXXX and they ran it with 5 other institutions which put hard inquiries on my credit report. These took place on XX/XX/21 and XX/XX/21
Consumer complaint received 2020-09-14
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. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-01-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX  XXXX is using midland/mcm/encore to abuse service members and retirees. when bureus are asked- no audit trail is provided- buttons are pushed- daily checks are made to companies. any attempt to remove mcm/micland results in harassment by credit one- which owes me over 120K in tcpa fines and refuses to pay. they did not stop harassing my XXXX line. furthermore mcm/encore has been sued by you and refuses to pay up - and remove the slander on my files. furthermore companies are reporting to XXXX and other subCRAs- which shoul not exist like clarity to continue perpetuated abuse and public defamation. Then these sub CRAs which only credit companies use- and like to hide info on thier associates- actively deny on basis of outstanding debt when there is NONE. Its is a cyclical debt resale game.
Consumer complaint received 2023-08-02
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 am NOT HAPPY that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-28
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. (IN)

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-03-03
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. (FL)

I WAS A VICTIM OF IDENTITY THEFT SO THIS WAS ONE OF THE ITEMS. I SENT THEM A COPY OF MY IDENTITY THEFT REPORT AND I ALSO SENT IT TO ALL 3 MAJOR CREDIT BUREAUS BUT THEY STILL HAVE NOT DONE ANYTHING TO CORRECT THIS. I KEEP ON SENDING OUT LETTERS AND DOCUMENTS BUT THEY SAID THAT THEY VERIFIED THAT THIS IS MY ACCOUNT. I DON'T KNOW WHAT ELSE TO DO.
Consumer complaint received 2018-11-13
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2022-08-15
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: Kimball, Tirey & St. John LLP (CA)

There is a company Kimball Tirey & John. whom is reporting a collection on my credit reports XXXX XXXX, XXXX, and XXXX is not removing this account in the amount of {$13000.00} i did not open this account the account was open fraudulently i reported this to the company i filed a police report and a FTC report and sent copies of the reports to this company they are refusing to remove this account from my credit report and are violating the fair credit reporting act. 

This negative account on my credit report is preventing me from getting a mortgage loan
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (GA)

I leased an apartment in XX/XX/XXXX-XX/XX/XXXX. I received a letter from the community that I was being billed for a couch that I had damaged. My mother showed them proof that the couch was not damaged when I left and we told them that we would not pay for it. She showed them the video of my move out and my move out inspection. They said they would not send me to collections. The collection agency they use is Southern Management Systems in  Florida. Now I have had it on my credit report because it was reported on XX/XX/XXXX, and my mother 's and I keep disputing it and they will not take it off my account or hers. While the apartment community is at fault, I do not understand why they keep keeping this false information on my report.
Consumer complaint received 2023-08-02
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. (GA)

I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report investigation.
Consumer complaint received 2020-09-14
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. (NY)

I am writing to dispute fraudulent accounts that are on my account. I am a victim of identity theft. I did not nor was I aware of these fraudulent charges on my credit report. I am asking that these charges please be removed and that I will receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13
Consumer complaint received 2023-08-02
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$130.00}.
Consumer complaint received 2019-05-06
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. (SC)

I have filed a complaint in XX/XX/2019 on Equifax for them to investigate accounts that did not belong to me and I have not received anything on this matter. This preventing my chances of purchasing anything and I want it taken care of immediately