davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

I SENT XXXX LETTERS TO XXXX, EQUIFAX AND XXXX. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.
Consumer complaint received 2018-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (PA)

I made a payment to my outstanding medical bill at the Hospital in the amount of {$800.00} on an outstanding balance of XXXX. I contacted the billing department to confirm that a prior payment of {$700.00} on my FSA account had processed because I had found a notice that it had not. The billing dept had confirmed that it posted but there was still an outstanding of {$1600.00}. I informed them that I had made an {$800.00} payment earlier that day. They said that they would likely not see it post until XX/XX/XXXX. I inquired about making payments on the remainder and was transferred to a different individual. When I requested a repayment plan she informed me that the account had been turned over to collection and that they would set-up a repayment plan. I informed her that was not something I would want to do and that I would pay the entire amount. She asked if she would like me to be transferred to their payment department which I agreed to and she did. I paid the remaining amount of {$860.00} to the hospital cashier over the phone to clear the balance. I asked the person in the billing department that had transferred me to the hospital cashier concerning the collection status and how that would be addressed since payment would be made in full. She indicated that there would be a report from the Hospital to the collection agency that the balance was paid in full to the hospital as XX/XX/XXXX or XX/XX/XXXX. Today XX/XX/XXXX, I received a form letter dated XX/XX/XXXX from the collection agency demanding payment or further actions would ensue. I have attempted to contact the number provided by the agency several times during their stated business hours. I get a recording that all reps are engaged and that I am being placed in a call queue and then disconnected. My contention is that AR should know or that it is their responsibility to know that no such debt exists. I want to make sure that they can be stopped from reporting anything to a credit bureau on an amount that does not exist. My current score is greater than 800
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX 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 2022-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I used the XXXX system to make a payment of {$61000.00} on XXXX XX/XX/XXXX from my personal account in the XXXX to a US company for medical treatment. The US company is a customer of CapitalOne NA. 

Unfortunately, the account I sent the money to have been closed previously which should have meant that the money bounced back to my account automatically. However, this did not happen. 

My bank advised the first step was to establish the location of the money using a XXXX XXXX. 

The XXXX XXXX was actioned on XXXX XX/XX/XXXX but it was ignored. It was chased on XXXX and XXXX XX/XX/XXXX but these attempts were also ignored. 

When I contacted CapitalOne NA on XXXX XX/XX/XXXX via XXXX messaging using the account @ AskCapitalOne as I could not find any other route, they said XXXX XXXX 's to reach out to the sending bank for an assist. On XXXX XX/XX/XXXX, the same account said we recommend working with your bank to determine the best course of action. 

On XXXX XX/XX/XXXX CapitalOne responded asking my bank to provide a Recall Request and saying FUNDS WERE APPLIED PER YOUR INSTRUCTIONS TO AN INCORRECT ACCOUNT. This is not correct. @ AskCapitalOne confirmed on XXXX XX/XX/XXXX that CapitalOne does not recycle closed account numbers, so the funds have not been applied per my instructions as the money can not be paid into a closed bank account. 

On XXXX XX/XX/XXXX my bank started the Recall Request to ask for the money back. CapitalOne NA ignored this. They also ignored chasers on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

I also have the result of a XXXX XXXX tracker which shows that CapitalOne NA received my money. 

To summarize, CapitalOne NA did not follow the original XXXX instructions, has refused to discuss the matter with me and ignored my banks attempts to resolve this and as a result have kept my money for medical treatment since XX/XX/XXXX.
Consumer complaint received 2023-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (GA)

Omni Financial. I saw the law suit recently about them. I was a young private in the XXXX when I applied for a good amount. Currently still paying it off. They made me give them my bank info for allotments and I was never notified that its illegal. Also have a 29 % interest rate. What can I do? Done at the XXXX in texas at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Started off at XXXX XXXX
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( 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 an account without my written instructions
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX US Department of Edu , XXXX XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2018 my ex roommate went to Navy Federal Credit Union and deposited a check into a joint account. However I never received, signed, nor gave her the permission to deposit this check! I have filed identity fraud due to this. The check amount was {$2.00}, XXXX. 
Immediatly I called the bank to start an investigation. Once investigation was over the bank states there is nothing they can do!
Consumer complaint received 2018-08-03
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: EQUIFAX, INC. (FL)

According to EQUIFAX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.
Consumer complaint received 2015-04-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (OK)

I declared Chapter XXXX bankruptcy in XX/XX/XXXX as part of my divorce proceedings. The debts included in the bankruptcy were discharged in XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX Firm in XXXX, OK was my attorney for these actions. I had a loan through Honda Finance at this time. It was communicated to Honda Finance that I intended to keep my car and continue paying on the loan and the loan was not included in my bankruptcy. Two years later, I have discovered on my XXXX Credit Report that Honda is reporting that my loan was closed and is reporting that my account status is derogatory. Meanwhile, I have been paying Honda Finance {$320.00} per month every month in the belief that I was paying off my loan and helping to rebuild my credit. A call to Honda Finance was answered by someone who was completely unhelpful and refused to offer any assistance whatsoever. Honda Finance apparently believes that they can do whatever they want, regardless of what the law says. I informed my attorney, XXXX XXXX of this situation and he advised me that Honda is in violation of the Consumer Fair Credit Act and directed me here to the Consumer Financial Protection Bureau. XXXX XXXX is willing to represent me in a lawsuit against Honda Finance, but I would like to avoid such a costly and time-consuming endeavor. I am hoping that you can investigate my case and, if the situation warrants such an action, force Honda Credit to do what a solitary individual citizen apparently can not - follow the law and refrain from screwing people just because they think they can.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I have declined overdraft protection on my account.

I have notified the bank verbally, in writing and on the website that I do not authorize overdraft protection on my account.

Chase bank continues to accept charges to my account and charge a ridiculous overdraft fee of {$34.00}.

On XX/XX/XXXX i was charged two {$34.00} insufficient fund fees for transactions in the amount of {$8.00} and {$88.00}.

The bank even put the transactions in such an order that the {$88.00} caused the {$8.00} to also overdraft.
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gaskell & Giovannini, LLC (LA)

I received a notification from XXXX XXXX that a negative account had been added to my credit score so I opened it up and theres a collection account that has no information on there. It is not my account nor have I ever taken out any sort of loan.
Consumer complaint received 2017-12-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has placed me in XXXX XXXX and or XXXX XXXX XXXX due to ATM Fraud that took place on this account. I called in and spoke with a Bank Of America agent who was to proceed with fraud investigation on this account which would 've been the second time I 've asked for an investigation. I have asked Bank of America to send the proof and or information on this account and I have yet to receive any documentation or investigation results. This incident was in 2014.
Consumer complaint received 2018-12-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I applied for a personal loan online and was approved for XXXX $ Unsecured and XXXX secured after submitting documentation I was told that I was approved for XXXX unsecured and XXXX secured. On XX/XX/XXXX I went into the office to get the loan and was told all I would need is my ID and voided check after I got there a lady came into the room and was trying to pressure me to get the secured loan I advised her that I did not want it and explained I would do the unsecured loan she then made me go to the bank to get my bank statement so she could come firm that I had direct deposit which my paystubs showed. When I came back the door was locked and she explained it was broke and that I could slide my bank statement through the door and the next day for the inconvenience I would be able to esign my loan. Well the next day I called and the lady said my loan was denied so to income, but when I was there she said she sent the loan to the under writer who declined the XXXX unsecured but approved XXXX unsecured. I called there headquarters office because I was confused but got the run around I met all the qualifications was told I was approved but when I got there and didnt want the secured then I was denied.
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (CA)

On XX/XX/XXXX my wife received a phone call ( on her personal cell phone-my name isn't on it ) from ARA regarding a XXXX credit card from the XX/XX/XXXX 's they are claiming I am responsible for paying. They told my wife that because the interest was still accruing the card was still active, even though I had made no payments in well over the 4 years covered by the statue of limitations. They threatened to jeopardize our cars and her credit cards just because I am a authorized user. They also claimed they were about to file with the XXXX XXXX courts. 
I sent this company a request for validation letter in XX/XX/XXXX, and no response was received. This company tries to collect every time we move. They told my wife that because now we have plenty of money we should pay this. 
They also told my wife she should not be angry because they called her, because " you married the man ''.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In Accordance with the Fair Credit Reporting act : The collections and companies have violated my rights : XX/XX/XXXX : Account # : XXXXXX/XX/XXXXXXXX,XX/XX/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 an account without my written instructions.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 
Please remove these inaccurate accounts and unauthorized inquiries stated in my credit report, and correct/update late payments on the accounts I was never late.
Consumer complaint received 2019-03-29
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 (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent TransUnion multiple letters ( affidavits ). The first letter was a Conditional Acceptance Letter. 
Even though I repeatedly wrote in the letter that it was NOT a dispute letter, they continued to treat the letter as a dispute letter. 
Not only did TransUnion not comply with my deadline, they also took longer than 30 days to investigate anyway! 
Mind you, dispute letters are to be investigated, Conditional Acceptance Letters are NOT. I provided the US Code that supported my demands but TransUnion completely ignored and did NOT acknowledge the US Code that I was enforcing over them. They need to be and should be abiding by the US Codes that governs them. They are violating the US Code that I provided, the FCRA and therefore they are violating my rights!
Consumer complaint received 2018-08-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I've been off from work with and work injury to my arm since XX/XX/2018. 
I've requested a mortgage modification because I'm unable to work. 
I don't want to loose my home. Also documents from my mortgage company show XXXX XXXX name. We are divorced and she signed a Quit claim deed to be removed from the deed. XXXX XXXX is still reflecting her on the deed. She was never on the note and the loan was acquired in my name. Also I received notice of service transfer from Regions stating the new servicer and the new servicer would not be recorded. Please record the deed and record all papers pertaining to my mortgage
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Requested temporary credit lift freeze from Equifax because Equifax would not permit me to manage the credit freeze online ; called service number as directed. 

Provided identification as directed including upload of driver license. 

On XXXX separate occasions agents falsely stated that no freeze is active on my account. After being insistent, I was told that my date of birth on record is wrong despite being clearly displayed correctly on my most recent credit report from XXXX days ago. In addition, the agents both had access to my correct date of birth as part of the driver license. 

I am now being asked to send in XXXX documents for verification plus a cover letter to hear back in XXXX business days because I am also not permitted to use the dispute service online. This is beyond incompetent and affects my ability to perform business in a timely manner.
Consumer complaint received 2020-07-31
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: Resurgent Capital Services L.P. (TX)

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.