davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : CAPITAL ONE BANK USA, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00} CREDITOR : CAPITAL ONE, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00}
Consumer complaint received 2021-12-12
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and XXXX of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and Transunion reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00} CREDITOR : XXXX  XXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00}
Consumer complaint received 2022-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I have applied for the XXXX multiple times, even prior to my current loan servicer, which is MOHELA. Every time my request was denied. Recently, I received a notice that the signature of my employer is not sufficient ; however, upon denial of my XXXX request, Mohela recognized my military service prior to 2006 but does not recognize the service as identified by my unit administrator.
Consumer complaint received 2021-12-12
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. (NJ)

CBNA PULLED CREDIT INQUIRY WITH TRANSUNION XXXX XXXX ON XXXX and XXXX. I did not authorize neither of the inquiries pulled on my TransUnion consumer report.
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Social Finance, Inc. (NV)

XX/XX/30 I funded my investment account with {$50000.00} XXXX Took a total of 6 days for me to access the funds as XXXX XXXX. I tried investing XXXX lost {$200.00} so I said to myself this isnt for me. The XXXX XXXX bank account I funded the investment is close so I tried to transfer my funds to another XXXX XXXX account of mine and XXXX  is now telling me for security purposes they restricted me from withdrawing my money. After uploading bank statement of both accounts. Closed and the account I will like to withdrawal too.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to TransUnion XXXX XXXX  nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( TransUnion XXXX XXXX ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.
Consumer complaint received 2024-06-01
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: WELLS FARGO & COMPANY (AZ)

Wellsfargo refuses to remove inaccurate reporting from my consumer report knowing they are in fact reporting inaccurate information. I have attempted to resolve this manner several times. can you please investigate why they refuse to follow the laws of the FCRA. Attached is the information being willfully reported on my consumer report. Account number XXXX The law states the Following : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$540.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} Inquiries : XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2021 : notified CapitalOne XXXX  charged me {$110.00}. I paid but XXXX overcharged me {$61.00}. I sent Capitalone receipt, credit card charge and XXXX  paperwork proving I was overcharged. Capitalone refused to send paperwork toXXXX  that would prove that I was charged {$61.00} too much. I do not care what capitalone thinks, feels, believes about my paperwork. All I am requesting is that they send paperwork to XXXX for a response. Instead capitalone takes the word of XXXX that the charge is correct. And Capitalone refuses to send paperwork XXXX  proving that I was charged incorrectly and charged too much.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/year>, I initiated a standard transfer to my bank account ending in XXXX for the amount of XXXX I received a confirmation that it would have an estimated completion date of XX/XX/XXXX with a transaction ID of XXXX, when the transfer did not appear I waited patiently to see what the problem may be. Now this account was verified through the Venmo app using a platform called XXXX to confirm that this account was legitimately mine. I put a ticket in on XX/XX/XXXX asking why the transfer was taking so long and got a response back stating that the request was successfully submitted to the Venmo Support team and the conversation had been closed in which I had received no correspondence. Now here we are on XX/XX/XXXX which is 3 business days past the initiation date and still no money and no transfer. I have spoke to a XXXX who would not give me an ACH transfer as my bank requested that to see where the money may be at. XXXX was another rep that I talked to that contradicted everything that XXXX told me stating my transfer was still under review and would not specify the details claiming that I will have to call back again tomorrow XX/XX/XXXX, to ask questions again on why the Account Specialist may still be reviewing my case. All this comes I after a gentleman named XXXX XXXX called me on Friday XX/XX/XXXX that my account should not have nay more security issues when it comes to transferring money out as this is the second time I have had issues dating back to XX/XX/XXXX. 
What have I done on my end to eliminate these issues is I have made it so that you need a fingerprint to log in to the app, have a 4 digit pin to log into the app, and I also have a pretty good password. I have received bank overdraft fees in the amount of {$52.00}. for the money not being transferred from when it would be transferred from the last account and did not mention that too XXXX but can provide a screen shot of those fees if necessary.
Consumer complaint received 2022-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (PA)

Are starting in XXXX I received a Robo calls from Genesis FS card services every day multiple calls a day Im attaching screenshots below of the year phone calls that Ive been left almost every day from different numbers via a Robo dialer that left voicemails I told them I would call them when I was not at work I told him I can not talk when Im at work because I work in XXXX yet they continued to allow their auto dialer call me multiple times a day upwards of 50 times a week at one point
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lloyd & McDaniel, PLC (GA)

Unknown account from XXXX XXXX open XX/XX/XXXX When requested XXXX failed to provide verification of public information source XX/XX/XXXX Lloyd & McDaniel , PLC ( XXXX XXXX  ) failed to provide evidence of debt during court ordered Mediation XXXX XXXX Lloyd & McDaniel , PLC failed to appear in XXXX XXXX of XXXX XXXX, XXXX to defend their case. The case was dismissed.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/2021, I entered into a payment arrangement with XXXX ( Capital One ). 3 Payments of $ XXXX and then my balance of over $ XXXX would be XXXX. This is due to Covid-19 and their plans in place to help. I having been effected greatly by Covid-19 was very excited and very detailed with the rep over the phone. I had made it clear that this was to take my balance down to XXXX, and XXXX  and I would be good. The rep stated " YES '' several times. I asked when I would get a paid in full letter, and the rep explained it would be a few weeks after the final payment on XX/XX/2021. So, XX/XX/2021 rolls around and I get a bill in the mail. I called in to ask about it and they said it would take up to 90 days to get a paid in full letter, and that the bills are auto generated. XXXX of 2021 comes I get another bill, but disregard it. On XX/XX/XXXX I get a call from Capital One asking how I am going to pay my XXXX bill. I explained to the rep I had a settlement, and the rep stated I did not. Stated I was in a " build a plan ''. This is the first I heard of this and now Capital One ( XXXX ) is saying their was never a payment plan. When I ask for the transcript for the call, they tell me I need to get a lawyer for it. I have called and talked with several managers all saying the same thing. There is no error on our part and to get a transcript of my call I need to get a lawyer. I asked them, " If their was no error on your part, then why not supply me with a transcript of the call? ". To this day they will not give me any more information on my account with the phone calls they made to me and recorded.
Consumer complaint received 2024-05-28
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: GOLDMAN SACHS BANK USA (UT)

Apple, this is my second request. I need to ensure MAXIMUM POSSIBLE ACCURACY on my credit reports. There are still inaccuracies on my credit report with this tradeline. Please download my dispute letter.
Consumer complaint received 2021-12-12
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: AMERICAN EXPRESS COMPANY (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and XXXX of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : AMERICAN EXPRESS, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$4100.00}
Consumer complaint received 2021-08-25
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. (NJ)

As I am trying to start my business, and can't borrow money because these credit people sit in jurisdiction over my life, and continue to report me as a XXXX= XXXX, who is like a XXXX XXXX XXXX. As someone who has never applied for credit anywhere. Not only do I have a loan that I have paid over {$100000.00} for, I have a credit card and a car note, but they keep displaying my credit score as XXXX XXXX, and it is ruining my life plans.
Consumer complaint received 2021-07-22
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. (VA)

I pulled my credit report in XXXX and noticed a collection item. Called the collection company listed on my credit report and they stated the account is a joint account. I informed them this is Fraud. They stated they would send me a record and never provided anything. I submitted complaint to XXXX  and they removed. Experian and XXXX  have not removed the item and Ive Disputed the item several times. Ive asked them to verify if the debt belongs to me and have told them its Fraud. Neither Experian, XXXX  or the Collection company have tried to remedy this and they are violating my rights under FDCPA. I have sent over three letters and disputed online. This item needs to be removed immediately XXXX XXXX XXXX Account -- XXXX Reporting to : XXXX, Experian
Consumer complaint received 2023-06-28
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: SANTANDER HOLDINGS USA, INC. (NC)

Talked with company Santander Consumer XX/XX/2023 and asked how was my car charged off. And how do i get the title. No one could answer i got transferred 3 different times. On XX/XX/2023 about XXXXXXXX XXXX  an unmarked tow truck with tinted windows no tag towed my car. They pulled at a store i go to regularly and used a clothes hanger to unlock my car doors because my alarm was going off. I feel this is very fraudulent. The lady at the store said they told her they where from XXXX XXXX XXXX XXXX. But when i look up company its a house and when i call phone number provided on the website it goes to a regular person phone instead of a business.I believe my car is stolen. I am going thru alot with my phone and cars being tracked and not by gps dealing with Santander consumer. Just that Saturday prior to XX/XX/2023 I received a letter from u all stating that my information was at risk. I also received a call from a debt consolidator stating i am in bankruptcy due to several fraudulent activities on my credit account. I dont know what to do at this point pls help!!
Consumer complaint received 2022-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (NJ)

Debt was paid directly to original creditor XXXX  XXXX ( XXXX ) on XX/XX/2022. I have evidence of the two amounts that were owed paid in full ( with my debit card ). 

I have repeatedly disputed the account, XXXX and XXXX XXXX remove it then Americollect re-reports it knowing it is already paid.