davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
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. (MO)

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX  XXXX  arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have on numerous occasions ask for verification on an account that is showing on my credit report for Portfolio Recovery. My latest attempt was made in XX/XX/2019 by requesting in writing to all three credit bureaus that this debt be physically verified and that I receive a copy of any and all signed consumer contracts, all original documents in reference to the account, a valid proof of chain of assignment and sum certain showing the total history of the account in which I have received nothing but a statement which only shows an amount due of a total of {$870.00}. I have sent letters to both the creditor as well as the credit bureaus asking for the above information and have yet to receive anything. I did receive a letter from each credit bureau stating the account was " verified '' and on XX/XX/2019 I reached out to all 3 companies ; XXXX, XXXX, as well as XXXXXXXX, stated that they are only responsible for submitting the request electronically and then it is up to the creditor to respond if it is valid. I find it very upsetting that all 3 credit bureaus are able to report this on my credit report and no one will show proof of the account.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (AL)

The credit Collection Agency Diversified Consultants never notified me of a debt. I found out about the alleged debt through a credit alert. Once I found out I mailed a debt validation letter and called the Diversified Consultant on XX/XX/19. During the call ; I learned that it was XXXX XXXX, but I do not owe XXXX XXXX money ( a debt ). The  agent stated I paid XXXX  XXXX ( and the file is closed ), so why is the account on my credit report? I was told because I paid it two days after it was assigned to them by XXXX XXXX. Additionally, I made it clear I did not make any payments to their company ( Diversified Consultants ). Diversified Consultants had nothing to do with making a payment to XXXX XXXX because when I made the payment on XXXX XXXX website : I had no knowledge of a collection account on my credit report. 
The violation of my rights under the FDPCA are as follows : 1. Diversified Consultants did not provide me a written notice of the debt 2. Did not provide with the name of the original creditor 3. Did not give me an opportunity to dispute the debt 4. Did not recognize the 30-day waiting period between validating a debt. Without validating the debt, they are not allowed to seek collection Because of these  violations, I have a right to sue in court {$1000.00} dollars per violation and {$2000.00} per violation under the FCRA. I paid XXXX directly and knew nothing of this collection. I canceled my service with XXXX and did not know my old phone was still locked. At this point I learned I had a small balance I was not aware of ; once I found out I immediately paid the balance online ( XXXX ). Diversified Consultants had no legal right to place any notation of anything on my credit report because I have no legal contract with them or any legal standing with this company. They are basically attempting to ruin my credit when it is clear I made a payment two days after it was assigned outside of my knowledge or receiving a proper notice ( duns letter ). I want this collection deleted from my credit report immediately. XXXX XXXX and Diversified Consultant clearly are not interested in following the law.
Consumer complaint received 2019-08-05
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: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.
Consumer complaint received 2017-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (OR)

I received a check that was deposited for {$200.00} and that was added to my account on  XXXX   XXXX . Yesterday,  XXXX   XXXX , Chase Bank returned the deposit and charged me an unexpected {$12.00} for their deposit return.  <P/> Today,  XXXX   XXXX , I calle  d Chase and asked them what happened. The representative explained that the items in question were indeed a returned deposit and fee. They said that Chase accepted the check, deposited the amount, and then did their research. They then said they returned the deposit due to insufficient funds in the other account. Ultimately, the representative said I needed to talk to the other person involved and find out why this happened.
<P/>
The other person in question is my wife. She is a joint holder with Chase but also h  as a  XXXX    XXXX   account. She wrote a check on  XXXX   XXXX  to essentially transfer {$200.00} from her account to o  ur Chase account. Her check cleared, it seems, almost instantly since the Chase account received the deposit. Yet three days later her deposit was returned and I ( along with her technically ) got hit with a {$12.00} fee that was n't my fault.
<P/>
I hope this is cleared up and hopefully things will be good. Our Chase a  ccount is  XXXX  and some change because of this situation. I hope at least the {$12.00} is reversed as that fee is absolutely ridiculous. Even though the other person is my wife, I feel like it 's not right for the check recipient to be penalized for something out of their control. If the other person was n't my wife, and was rather someone I knew not tied to my account, I feel this would be even more egregious.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

In response to a Citibank bonus promotion, I went online to open a checking account on XX/XX/XXXX. According to the deadline clause in the notice dated XX/XX/XXXX, All information must be received and validated within 30 days of the application date to complete fulfillment of the account. After that date you will be required to re-apply. The 30-day deadline was XX/XX/XXXX. 

The Citibank letter, dated XX/XX/XXXX, claims that the signed signature card from me was not received until XXXX XXXX. That means that all information was not received by the deadline of XX/XX/XXXX and I was required to re-apply. 

I did not re-apply. However, the account was opened after the 30-day deadline of XX/XX/XXXX, on either XX/XX/XXXX or XX/XX/XXXX. Furthermore, my authorization was used to withdraw fund from another bank to fund the account on XX/XX/XXXX. 

Have uploaded correspondence from Citibank dated XX/XX/XXXX and XX/XX/XXXX as attachments. But did not see an indication that they were attached.
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Just recently I discovered that " credit Card '' for approximately was being deducted from my account. I call the Webster Bank to stop payment and block this account.
This month they took {$180.00} + out of my account, which should not have been done.
I called the Webster Bank and questioned why they let them withdraw since there was a blocked account. I was told that they used a different account number so they paid it. To make matters worse, they told me they would have to investigate this and I would have to wait about 10 days for this dispute to be settled.
I am XXXX years old and widowed on a fixed income. I have some bills to pay and do not have enough money to pay my debtors.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I hired a XXXX to perform at my client appreciation party on XXXX XXXX, XXXX. 
The company charged me the {$3500.00} for it on XXXX/XXXX/XXXX and it posted on my Capital One credit card on XXXX/XXXX/XXXX and I paid the charge. I then was charged another {$3500.00} on XXXX/XXXX/XXXX. I contacted XXXX XXXX at the XXXX XXXX XXXX and he apologized and said he would talk to the accounting dept and take care of it. I then called another number that was on my original invoice and it was an attorneys office, I told him what happened and he said he was going to see them that day and that he would have them take care of it. Two days past and the company never refunded the money. I called them again and talked to XXXX ( who was in the mtns ) and stated that if he did n't remove the extra charge that I would file a dispute with Capital One. So on XXXX/XXXX/XXXX I call capital one to explain what had happened, filed a dispute and they removed the charge..pending investigation. 
Then on XXXX/XXXX/XXXX Capitol One rebilled me {$3500.00} and said I didnt respond to their paperwork request ( which I have proof that I did ) so I went ahead and REsent it to them on XXXX/XXXX/XXXX @ XXXX. During that time, XXXX XXXX ( the owner of XXXX '' had been arrested and a XXXX XXXX Jury has indicted him and his girlfriend " the accountant '' for XXXX of money laundering, theft, forgery and fraud. Click on the following link for the article : XXXX I forwarded all this information in my paperwork to Capital One and they once again REMOVED the charge on XXXX/XXXX/XXXX. THEN on XXXX/XXXX/XXXX Capital One REBILLED me the {$3500.00} stating that the company had provided XXXX receipts to back up the XXXX charges so they sided with them and put the charge back on. I spent 3 hours on the phone with them on XXXX/XXXX/XXXX being sent from the fraud dept to the dispute dept, had to explain my story to a least a dozen people, they then sent me the receipts they had and they were CLEARLY not my signatures, I then provided 3 forms of ID with my signature on it to prove that, they agreed it wasnt my signature however, now they want more information from me. I have done EVERYTHING they have asked and it is more than evident that I too was a victim of this company 's fraud however, CAPITAL ONE CC continues to victimizing me by repeatedly removing this charge and then adding it back on even though I have proven to them it WAS FRAUD! I have been in contact with the XXXX DA to add my case to the counts again XXXX XXXX and XXXX but I need help getting Capital One to work with me and stop charging me over and over. I have asked to speak to Supervisors which they get on the phone but I have to keep explaining my story and once I think its resolved ... .they charge me again and they clearly know this second charge for {$3500.00} is FRAUD. What can I do to stop being a victim to Capital One? Also, per Capital One 's request I closed that credit card and they reissued me a new one so this company would not be able to continue to charge me.
Consumer complaint received 2022-10-12
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. (TX)

XXXX XXXXXXXX XXXX charged account off and is still reporting account as late and passed due which is an FCRA violation. They wrote debt off for tax purposes without providing proper documentation to me. When an account is charged off it must not report a PAST DUE amount nor report monthly as CO which they are currently doing. Ive submitted numerous investigations to the bureaus and notified the company of their violations. 

This account couldnt been verified or investigated properly because its not even being reported correctly. Another federal violation.
Consumer complaint received 2022-03-26
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: Resurgent Capital Services L.P. (TX)

in accordance with the fair credit act.the following accounts have violated my nrights. 

1 ) XXXX  XXXX  XXXX  account # XXXX XXXX ) lvnv funding account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2019-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (NJ)

I had car leased from XXXX XXXX ( XXXX, NJ ) and at the end of the lease decided to purchase it. The car was financed from XXXX XXXX XXXX  in the amount of XXXX which was disbursed to the dealership on XX/XX/2019. The funds should have been used to pay it off Honda Financial loan but as of XX/XX/2019 it never happened. I dealt with XXXX XXXX, Finance Manager and the general manager at  XXXX XXXX, XXXX XXXX ( General Manager ) who have under the pretense of a recent purchase of the dealership that occurred on XX/XX/2019 continue to find all excuses not to transfer the funds.
Consumer complaint received 2021-08-24
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: Experian Information Solutions Inc. (DE)

I have sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CT)

Credit acceptance XXXX They have on my credit report missing my auto loan payment. They use to go through XXXX XXXX and for whatever reason they state they never received my payemt back in XXXX. They reported my payments missed starting in XXXX. I have provided a letter and bank statement for them to remove that missed payments off my credit report multiple ties with out success! All my other payments are exceptional and I have not missed any payments. This is not right and causing me not to be able to purchase a home along with other things! They are unprofessional every time I call and not helpful! Im sure Im not the only one to complain about their service and their wrong doing!
Consumer complaint received 2024-03-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

I had a dispute with the company on XX/XX/2022, and they advised me that they would remove the 30-day delinquency from my credit report. I checked today, and it's still there. 
Complaint ID : XXXX.
Consumer complaint received 2022-03-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

in accordance with the fair credit act.the following accounts have violated my nrights. 

1 ) portfolio rtecovery assoc account # XXXX XXXX ) XXXX  XXXX  account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (DE)

I have sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-06-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

I have had my primary e-mail account hacked. It is being accessed only by the criminal who got into it and changed the password. I can not access it. It is the primary email that records of my  PayPal transactions are being sent. Several attempts to get PayPal  to stop sending details of my transactions using their service to my hacked e-mail address have failed. They continue to send the details to a e-mail address they have been told several times are in the hands of criminals.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Our Account with Capital one has always been set to auto pay. We received a notice that we owed {$110.00} and our minimum payment of {$25.00} was missed and they reported that we were 30 days late in XX/XX/2022. This brought my Credit Score down XXXX points. This issue that I have is inaccurate Reporting by Capital One. They are claiming that we are 30 days late, and I spoke with a supervisor, and he stated that we were late on XX/XX/2022 and XX/XX/2022. With this said, Capital One 's claim is that we were 60 days late. The Credit bureau is showing 30 days late. As stated, we had our account on auto pay. If you look at my credit report, my credit is excellent, and there is no indication of habitual late payments. We want our account history cleared, and to show current and paid on time.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (VA)

AMEX continues to report a business card as my account. The claim its true because payments have have been made. I'm attaching the last statement which is the only account I have had with AMEX and the only account I made payments on. Trying to tie a business only account to a personal account which was totally separate.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have   XXXX   derogatory account claims on my  XXXX ,  XXXX , and Equifax credit report accounts from   XXXX   XXXX   XXXX  . After carefully reviewing this information I realized that these  XXXX    XXXX   XXXX   XXXX   credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on Federal and State of Florida Statute Of Limitations. I have reached out to all   XXXX   credit bureaus and filed disputes and have asked   XXXX   XXXX   XXXX   as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX   has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All   XXXX   reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to   XXXX   XXXX   XXXX   via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from   XXXX   XXXX   XXXX   for each letter. The document labeled as  XXXX -Letter1-Info.pdf is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX -Letter2-Info.pdf is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.
Consumer complaint received 2015-09-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

I received an EOB from my healthcare provider, I spoke to the debt collector Credence Resource Management who told me to pay the amount I owe as per the EOB and Email them the EOB. I did this, and am now still being chased for extra money I do not owe.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to request an investigation and correction of late payments that have appeared on my credit report. Upon reviewing my credit history, I noticed inaccuracies regarding the timing of payments for certain account XXXX XXXX XXXX  XXXX XXXX.