davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
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. (CA)

There are 17 accounts on my credit report that do not belong to me now I started my dispute back in XXXX of XXXX when I pulled my report and saw this disaster I got on the phone with the bureaus and they wanted me to send out a written dispute since there was so many accounts. I have received nothing back from the bureaus regarding this matter this is identity theft and I will fight this. 

XXXX XXXX - Acct # XXXX Amt {$680.00} XXXX BANK XXXX - Acct # XXXXAmt {$1900.00} XXXX XXXX- Acct # XXXXAmt {$980.00} XXXX XXXX Acct # XXXXAmt {$1500.00} XXXX XXXX CARD SER - Acct # XXXXAmt {$1000.00} XXXX XXXX- Acct # XXXXAmt {$920.00} XXXX XXXX- Acct # XXXXAmt {$24000.00} XXXX XXXX-Acct # XXXXAmt {$0.00} XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$140.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$1400.00} XXXX XXXX XXXX Acct # XXXX-XXXXAmt {$690.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} XXXX  XXXX XXXX- Acct # XXXX-XXXXAmt {$990.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A. (MD)

Apparently in XXXX a debt collection company by the name of Peroutka, Miller, Klima & Peters purchased a credit card account in default that supposedly opened under my name. In XXXX I received and summons from court stating that I have broken the agreement and I was being sued for the amount of {$7600.00}. I contacted this company explaining I had no knowledge about this account or knowledge about any agreement on paying this debt off. I explained that on the summons there were several addresses on there that were not mine and had never lived at those places. The company then got very rude and started falsely accusing me of lying about the entire situation and that is was in fact me that made the payment arrangements. I told this company that that I had to be a victim of identity theft and I wanted to take actions against it. The customer service rep then told me the last known payment and address that was given and I immediately recognized the address as belonging to my ex wife 's and her boyfriend 's and I told the company service rep. Nothing was done afterwards until after a year went by and once again I got a letter from the company stating I was to pay the account off. I called once again explaining I was a victim of identity theft from my ex wife who knew my social security number and that I was not going to pay on a account that wasn't mine. They customer service rep then explained that they were sending me a packet for identity theft claim and I was to sign it and mail it back. About two weeks later on XX/XX/XXXX I received a letter from court stating that the pursuit of wage garnishments was dismissed. I thought finally this is all done until yesterday XX/XX/XXXX when once again the debt collection agency sends me a letter stating that I was offered 60 % off the debt on the account that i thought was done and closed. I contacted the company asking why I'm receiving this letter and they rudely explained that they never received my packet for identity theft. I told the rep why it took 3 years to finally send a letter and not receiving the packet and no answer! So once again I'm having to stress about getting this resolved
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

my vehicle was repossessed on or around XX/XX/XXXX for a used XXXX XXXX accord with a loan amount of XXXX with an interest rate of 20.38 % at the time of purchase. 
i have sent the company a letter of rescission, well within my right according to 1026.23 12 CFR 226.15 today makes the 20 day period from date of sent letter i have not heard from company Capitol One Auto Finance.
Consumer complaint received 2023-04-04
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. (FL)

It was showing that I had to socials numbers merge accounts, so I had to prove my identity majority of the information was removed. After I prove my identity now its returned. Please fix the problem.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (CA)

This company contacts me everyday Monday - Friday, xalls repeatedly throughout the day from XXXX XXXX - XXXX XXXX. They do not leave voicemails. The times I answered theres either no response and then call disconnects, Ive spoken to someone who requesting that I verify my information and when I ask whos calling or what its regarding they either hang up or refuse to answer my questions and keep asking questions, the people who call are rude.
Consumer complaint received 2023-04-04
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. (CT)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # 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 instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.
Consumer complaint received 2021-06-23
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. (NJ)

This is a follow-up complaint against XXXX financial ( previous complaint # XXXX ). 

I was told that a supervisor would call me, and I have yet to speak with a supervisor. 

XXXX said they would remove the negative credit reporting. My credit history still reflects negative reporting from XXXX. Everytime I made a payment and while making additional payments to pay down my amount they would report that I needed to pay more the balance was not going down with the payments I continued to make. 
The amount continued to increase and not decrease. They always included extra fees and resons why I was paying money towardsXXXX told me to make payments ( amounted to $ XXXX ) during the forbearance ; after taking money from my 403b I paid XXXX  what I owed to become cureent. I called a representative she told me that I was current, The representative admitted she also heard the same call, and I then told her another representative told me they would not report my account negative and I was told they would listen to the call where the rep told me incorrect info about my account, they followed up and told me they no longer had any of those calls. Then I told them I would like to speak with a supervisor, and I was told the supervisor was out at lunch ( the call took place around XXXX in the evening ). I was told the supervisor would call me at XXXX XXXX, but I received no call. I have yet to receive a call or resolution. 

I still have no resolution, and XXXX  is not taking any accountability for their reps repeatedly misinforming me and taking my payments, and telling me I had to pay during the forbearance to become current on my loan. 

They took my money, promising me they were going to bring my account current and would not affect my credit. They also told me all of my money would go to cover my interest and payments and that I should make the payments which they did not. They paid taxes with the $ XXXX I gave them and not paid any of my previous payments. Please help. I've been going through this cycle with XXXX over a year without any resolution ; I'm never able to speak with the same rep. I can not move on in my life because they are reporting 3 months of missed payments. They confirmed that their reps lied to me and are unwilling to follow up with me. They have not removed the negative reporting even though they confirmed they heard a recording where multiple people misinformed me and also confirmed my account should have reflected current, and they have the recordings and still haven't fixed my credit. Please help!!! I took all of my money from my 403b during the pandemic to secure my home for my family, and I am trying to move on, but XXXX is hindering me. 

I asked for a copy of my tax payments, escrow payments, homeowner insurance payments, communications from XXXX, and transcribed copies of the recording/conversations.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am entitled to an annual credit report from each of three credit bureaus via XXXX but was repeatedly denied all three of them by the XXXX XXXX XXXX XXXX XXXX purportedly due to inexplicable technical and/or other undisclosed reasons. I use XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-04-06
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)

The following accounts was charged off XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX  XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number : XXXX Best Regards, XXXX XXXX
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One is attempting to collect unnecessary identity documentation in processing credit card applications. In addition to me being a customer for multiple years, having multiple different accounts with them, multiple credit accounts paid in full, all of my information remaining the same, and me applying for this credit card from my account log in and applying for an offer that they made me, I also provided them with the additional documentation they asked for but then they wanted more documentation. Further, they have very low level employees who are working privately from home, and who have access to everybodys private financial information. I had one such employee, ask me to verify certain information which sounded suspicious, and I reported it to her manager and he admitted that she should not have tried to verify such information and that they would review that call. I also had this same exact problem with capital one back in 2018. I then asked the manager why is it so difficult to obtain a small credit card with capital one but its so easy to get a car loan with capital one. I got a car loan with capital one in 5 minutes with providing no documentation beyond my drivers license. He then answered me that they are less worried about fraud when there is collateral involved!!!!!!!! How about that!!!!
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a small business credit card thru Capital One. 
I was emailed by the company requesting documents to verify my SSN and ID. I sent these via a portal. 
I receive a letter saying the documents were not sufficient. 
I called, was told what the prior documents were lacking ; so I uploaded additional documents, with the specified information. 
My application time period was about to expire and I had not received any notifications. I waited 3.5 hrs on the phone waiting to talk to someone. 4 representatives gave me different answers as to what was wrong with my application and I'm still not sure what the actual problem was. However, the 5th representative admitted that I was not sent a notification the second time, to let me know the company still did not think I had submitted adequate documentation. They admitted that without knowing my application was incomplete, my application time would have expired. They RAN MY CREDIT but were not going to let me properly apply for the credit card. They did not say there was any process in place to fix this oversight. 
And, they would not give me another link, thru which to upload additional documents.
Consumer complaint received 2019-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (IL)

I received a bill in the mail from FBCS Services saying that their client XXXX XXXX, XXXX has authorized them to accept a 60 % discount on an outstanding balance of {$1400.00}. The date of service is XX/XX/2013, account # XXXX. That date is the day my XXXX XXXX XXXX son was in a bad ATV accident. He was not at fault and we filed a suit against the responsible party and settled roughly 3 years later. The original creditor is " XXXX XXXX XXXX XXXX XXXX ''. So after speaking with FBCS they recommended I call the XXXX XXXX XXXX XXXX. I spoke to them and the billing department of XXXX XXXX XXXX in XXXX. XXXX. They did not have any record of that bill. We searched by name, date, account number and my son 's social security number. The hospital did tell me they no longer use that company for medical billing. I contacted the attorney for my son 's case and he stated that was a bill that he never received. It was never submitted for payment during the whole 3 year settlement battle. My address on file at the hospital was current and up to date as well. So I'm at a loss. I'm not sure what to do next. I left a message with XXXX XXXX XXXX stating I'd like to speak to someone about a bill I received and I haven't been contacted. I want to ensure this isn't a scam. I appreciate your time. Thank you.
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (OH)

We came to a settlement to pay XXXX XXXX down and XXXX payments after to close the account and have it dropped off my credit however i have made all payments now and there still trying to take another XXXX on XX/XX/XXXX i spoke to them and the lady said i made a total of XXXX payments which is more than agreed and was supposed to have emailed there supervisor to have it closed since she seen i made a total of XXXX payments to equal the full amount in stead of the settled amount that was around {$120.00} less i have screen shot of all payments on top of when it was taken out of my bank on my app. It started XX/XX/2020 with {$50.00} down then another payment of {$62.00} on XX/XX/XXXX and again XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX now they are trying to take another payment for XX/XX/XXXX!
Consumer complaint received 2020-12-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

XXXX day late payment with the three major credit bureau on XX/XX/XXXX I have contact the creditor to explain that a check from the refinance company XXXX XXXX was mail out to them for the full balance and was advise that it would not be consider late sine there was a payoff balances requested how every i was under the impression that everything was okay until I check my credit and seen a late payment hit my credit so I contact them and explain that there was not a late payment due because the balance was paid and was told they would send it to there escalation department because the file was so old now i still see the late payment in XXXX as i apply for a home loan so I disputed this with all three credit bureau to come back verify and updated with the same information I have contact Santander to try to address this but was on hold for and hour and then disconnected so I call the credit bureau and was told to contact the Consumer Financial Bureau
Consumer complaint received 2020-12-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (FL)

The new company paid my previous mortgage off late. Then the balance paid off did not match the balance owed. I know have XXXX mortgages. I can not get anyone to respond for assistance and have my old company calling me for collections. The company is village capital and loan officer is XXXX XXXX.
Consumer complaint received 2021-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 
Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX ) XXXX, 15 U.S.SC 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-06
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. (CA)

I have reached out to all three credit bureaus ( XXXX, Equifax, and XXXX ) over a charge off that is on my account. All three credit bureaus are reporting late payment and charge offs in different months. I have sent proof about how they are all reporting different information with copies of my credit reports. I continue to get letters back that the information is verified from each of them even though they are all claiming a charge off in different dates. The accounts also show the account as closed different months of that year which I also provided proof. I have sent Dispute letters two different times XX/XX/XXXX online and XX/XX/XXXX through mail. I would like for this to be looked at as its hurting my credit score and it is against my rights to have inaccurate information in my credit profile. The information should be accurate across all three credit bureaus.
Consumer complaint received 2018-12-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (WI)

I received a call on XX/XX/XXXX stating I needed to contact the legal department at ( XXXX ) XXXX asap. After speaking with an associate he stated that a debt from XX/XX/XXXX with the company XXXX XXXX XXXXXXXX needed to be settled or court action would be taken. I paid an amount in XXXX $ in accordance to the payment plan which would settle my debt with XXXX XXXX XXXXXXXX according to the associate. XXXX XXXX was the name of the individual I conversed with.
Consumer complaint received 2020-06-04
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: Santander Consumer USA Holdings Inc. (WA)

Recently while applying for a home loan I discovered I had been the victim of identity theft. Someone had used my information to open a fraudulent account with a lot of business and company. Including Telecommunications, Credit Cards, Cash loan, Car Loans and Bank accounts. This is not my account and I have enclosed a police report indicating this. I have attempted to dispute this information with the collection agency but have made no progress.