davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
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: Credit Technologies, Inc. (MD)

ON XX/XX/2019 I CHECKED MY CREDIT REPORT & FOUND AN INQUIRY ON XXXX THAT I WAS NOT AWARE OF. THE INQUIRY WAS FROM CREDIT TECHNOLOGIES SO I CALLED THEM TO FIND OUT WHY THEY WERE PUT ON MY CREDIT REPORT. THEY INTURN TOLD ME THAT THE INITIAL REPORT CAME FROM XXXX XXXX. I WAS TOLD BY CREDIT TECHNOLOGIES THAT SOMEONE ( XXXX ) FROM XXXX XXXX PULLED MY CREDIT REPORT FOR A MORTGAGE INQUIRY ( WHICH I NEVER CALLED ANYONE FOR A LOAN OF ANY KIND ). SUPPOSEDLY, THAT HAPPENED IN XXXX OF 2019. I CALLED XXXX XXXX TO GET TO THE BOTTOM OF THIS INQUIRY & THEY COULD NOT HELP ; THEY HAD NO RECORD OF ANYTHING WITH MY NAME ( WHICH OF COURSE, THEY SHOULDN'T ). I CALLED XXXX XXXX AGAIN TO HAVE THEM REMOVE THE INQUIRY THAT WAS SENT TO XXXX & THEY SAID THEY COULD NOT DO THAT. ALSO, XXXX WON'T REMOVE IT EITHER. I WANT THIS INQUIRY REMOVED ; I DID NOT INQUIRE ABOUT ANY KIND OF LOAN FROM ANYONE!!! 
PLEASE HELP GET THIS REMOVED FROM XXXX. THANK YOU.
Consumer complaint received 2022-09-26
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. (MD)

Dear XXXX There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX DEPT OF EDXXXX  {$380.00} XX/XX/XXXX DEPT OF EDXXXXXXXX {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.

Thank you
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

on XX/XX/2018. I tried to use my bankcard to purchase a money order but wasnot able to do so. the bank had put a hold on mycard without my consent.. I was not able to purchase the moneyorder. I had to go to the branch to get the hold taken off my card.I was told that because ofthe amount of the money order the hold was put on. I know that is not true because I have use this before for money orders totaling more than that.
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Burton Neil & Associates, P.C. (PA)

On XX/XX/XXXX, I sent a cease of communication letter to Burton Neil & Associates to cease all communication with me. I sent the cease of communication letter via certified mail. The cease of communication letter was sent after I had received a letter in the mail on XX/XX/XXXX in regards to a disputed debt from XX/XX/XXXX, which was from a different creditor, a XXXX XXXX, who I have never heard of and who also never responded to my validation of debt letter I sent to them dated from XX/XX/XXXX, 16 months ago. On XX/XX/XXXX, I received a package in the mail stamped XX/XX/XXXX from Burton Neil & Associates. This package was sent after I sent a cease of communication order thar specifically requested not to be contacted by any form of communication. I am a XXXX percent XXXX and at home veteran, with XXXX and XXXX from being stationed at the XXXX during XX/XX/XXXX. My cease of communication request was ignored by their office and they have violated the FDCPA. The package received in the mail on XX/XX/XXXX has caused intentional emotional distress on me. The package has been sent back refused.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

A company called Portfolio Recovery has continued to harass about a debt from over twenty years ago. The debt is suppose to be from XXXX XXXX credit card from over 20 years ago. I went thru a debt consolidation company which I paid off. The credit card in question had a credit limit of {$300.00}. This company tells me that I owe {$3000.00} and that I can set up a payment plan. I have never acknowledged this company or debt but they continue with mailers and constant phone calls.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/2022 is when I been getting calls from debt collectors from Comenity Bank and XXXX. I finally called Comenity in XXXX 2022 to make a payment agreement to pay {$35.00} a month for 6 months. For XXXX I recently paid {$25.00} towards a past due and Im having a hard time paying both debt collection off. I been getting phone calls from different numbers and voice recordings stating that they want me to pay my debt everyday.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I C systems Collection XXXX XXXX XXXX XXXX XXXX  was paid before closing account with them. 
Account closed more than XXXX  years ago. 
XXXX XXXX XXXX was holding refundable deposit of {$300.00} required to open account. 
XXXX was kept by XXXX XXXX XXXX to fully cover last bill. 
Last bill amount due was {$200.00}. 
Remaining {$99.00} from {$300.00} deposit was to be returned to me by check. 
Requested last bill showing deposit used for payment covering last bill. 
But last bill was not sent stating this because they said it wasnt possible to specify on bill that deposit was used to cover last bill. 
Account was assured paid covered by initial deposit and closed. 
Never received remaining {$99.00}. 
Called many times but was never given an answer only that my account was closed and bills were not sent out to accounts that have been closed.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. CAPITAL ONE AUTO FINAN Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I missed a payment for Kohls XXXX in XXXX. I have been with them for over 10 years and have never missed before. My parents both came down with XXXX after XXXX and my father ended up in the hospital for almost two weeks battling the virus. Obviously the last thing I was thinking about was my Kohls payment. I sent the company an email explaining what happened and their response was late fees removed so they did not even read the letter. I've since called and they say they can not remove it under any circumstance. To make things worse we were in the process of buying a house and now that late payment may very well ruin the whole deal. Couple years back a Kohls employee stole my card and charged merchandise on it and I forgave them but now what should be a very simple fix has left me discouraged in people. I also understand there is a cares act just for this so I'm hoping for some help in a very simple matter esspecially with the impact of covid-19 and what I was going through.
Consumer complaint received 2019-08-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (NY)

XXXX - XXXX Nationstar Mortgage could not show any paperwork regarding mortgage or note, except public record copies. 
XXXX - XXXX, attempting to put an end to this, I Fully Satisfied the Note & Mortgage XXXX - XXXX they were allowed to continue towards foreclosure and return payments instead. 
XXXX - XXXX No payments returned, they foreclosed on a debt free home, kept all payments and are now evicting me. 

The judgment of foreclosure was achieved through fraudulent paperwork based on public record copies and with super imposed signatures. 
The home has been debt free and clear since XX/XX/XXXX. XXXX XXXX and Nationstar are involved in fraud and unjustly enrich themselves. 

Attached please find : 1 ) Payoff statement request, 2 ) Copies of both Lump sum Payments, 3 ) e-mail from Natiostar thanking me for the two payments, 4 ) XXXX reporting the mortgage / note Active before payment and Inactive after payment was posted into their account. 5 ) independent real estate company who looks up loans and leans on properties show that the home holds no debt
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase bank and deposited two checks via the atm machine that was inside the bank. The atm machine made strange noises and then a message appeared on the screen that one of my checks couldnt be read, however the machine did not return my check. Then a message appears on the screen that theres a problem and I should call the number on the receipt that will print out. The receipt printed with a number to call. I immediately went to the bank teller to report what occurred and was told theres nothing they could do and to call the number on the receipt. I was distraught because I deposited two checks, only one was imaged and no money was deposited in my account. My checks were stuck in the atm machine inside the bank yet the bank was being very nonchalant and unhelpful. I called the number on the receipt and a claim was opened for me but I still was not able to access my funds. I was on my lunch break and I didnt want to leave without my checks. I was told it could take months for an investigation and no one could open the atm to retrieve my checks. The phone representative hung up in my face after I asked to speak with a manager. I called back again and this time the representative said they were unable to credit my funds because the atm only imaged one of the checks. The atm imaged the insurance check for {$290.00} but not my XXXX check for {$4300.00}! The bank should not be allowed to take my money at no fault of my own, and not be accountable for faulty atm machines! My livelihood was disrupted! XXXX XXXX out and XXXX. This ordeal is very upsetting and I feel like I was robbed by chase bank!
Consumer complaint received 2022-07-07
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXXXXXX XXXX XXXX  provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kingston Data & Credit International Inc. (TN)

I bought a car from XXXX in XXXX Delaware. I only had the car 30 days and transmission went up. The car was over heating and I called them they told me to drive it that it would be fine but the transmission blew due to them making me drive it. There is a lemon law in that state. They called me several times and threatened me and my boyfriend that if we didn't pay they were going to sue me when it was there fault. They even offered 2 pay for the work because it was there fault then when the place called and said how much then that's when they wanted me to pay.
Consumer complaint received 2022-03-22
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. (GA)

I submitted a complaint on XX/XX/2022. I believe that you and the credit bureaus missed understood what my complaint was about as a CONSUMER I should have rights under the Fair Credit Reporting Act. 

The credit bureau stated that XXXX OF XXXX was verified. 
The problem that I am having is that the credit bureau is reporting inaccurate information and XXXX OF XXXX and the credit bureau doesn't reach the FCRA requirement. This is account is hurting my credit report by having a bunch of inaccuracies which you and the credit bureau not helping resolving this issues. 

XXXX OF XXXX DATE OF LAST ACTIVITY is incorrect but you say it verified but not correcting the information and investigating this account. Also, the BUREAU is REPORTING A PAYMENT HISTORY ON THIS ACCOUNT WHICH FROM MY UNDERSTAND YOU CAN NOT REPORT A PAYMENT HISTORY ON THIS ACCOUNT YOU ARE MANUILCATING THE STATUE OF LIMITATION XXXX THIS ACCOUNT MUST BE DELETED.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I had recently applied for a store credit card ( with Cabelas ) partnered with Capital One. 

My application for credit card was denied per their letter dated : XX/XX/2019 Application ID : XXXX The reasons stated are very vague -- there are 5 reasons stated in the letter ( see the attached denial letter ). 

I am questioning their ( Capital One 's ) methodology regardless of the good credit bureau ( XXXX XXXX   credit report/score ). 

They need to be more specific in their denial and prove how I could be a high credit risk for this company. 

I have 30 year long and impeccable credit history with significant assets. And if this company is going to deny my application for credit then I need to understand, the public needs to understand and the FTC needs to understand the workings and short-comings of this process. 

I also wonder, if a person with good financial standing can be denied credit then what would be the plight of people who are not impeccable in their financial standing but in need of credit. 

Thank you.
Consumer complaint received 2020-02-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Group Inc. (FL)

The loan for the car on my reported charged of but when I put a dispute on accuracy it changed. It showes I've missed a payment every month and the balance increases. The original loss was reported at XXXX. Now its XXXX? How can they do both. Company repped the car never gave me a chance to fix the problem with the dealer. It was a hybrid  and the batter wasnt charging. They were looking in to it when the company came an just took it the same day I talked to the lady ... I put of XXXX dollars on that car. I lost my job. I lost my home. It was horrible. I feel the company was unfair. I have several loans with them. Person I worked with wasnt pleasant. It was just 30 days. It's been traumatic situation. I've disputed on all the bureau.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

Upon checking my Paypal account on XX/XX/24, I found my entire account balance of {$31000.00} had been transferred to an unknown XXXX XXXX XXXX account without my knowledge or consent. 

Paypal claim concluded this was consistent with my history, in spite of this XXXX XXXX account being added and deleted in my account. I have never transferred to XXXX XXXX before, nor do I have consistent transfer of this magnitude and my balance has NEVER been transferred to XXXX prior to this transaction.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am able to get my free annual credit report from XXXX of the XXXX credit bureaus since XXXX However, I have not been able to access my free annual credit report or manage my credit freeze with Equifax. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.
Consumer complaint received 2019-06-24
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: TIDEWATER FINANCE COMPANY, INC. (MI)

Tidewater Finance company has reported inaccurate credit reporting information of amount owed since 2016. I have contacted Tidewater by mail as well as submitted two ( 2 ) disputes to XXXX, XXXX and XXXX. The years of inaccurate credit reporting are multiple violations of the fair credit reporting act. I have complained and sent in proof of violations of inaccurate reporting, yet each bureau continues to allow inaccurate reporting. Tidewater Finance Company is well aware of the inaccurate information because we have been to Federal court regarding the inaccurate reporting.