davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tulsa Adjustment Bureau (TX)

On XXXX XX/XX/2021, I checked my credit report and noticed a negative mark labeled " Collection '' added by TAB Services. The " Original Creditor '' was labeled as " XXXX XXXX '' which is a suspiciously vague name. I immediately sent a letter to TAB Services using the address listed on my credit report requesting formal validation of debt ( see Exhibit A ). 

On XXXX XX/XX/2021, I received a letter from TAB Services in response. However, the letter only provided a limited amount of information from my written request. The information provided could have been manufactured by anyone. There was not enough information to determine whether this debt was legitimately mine and whether this company has the legal right to collect this debt. ( see Exhibit B ) On XXXX XX/XX/2021, I mailed a second envelope to TAB Services containing two letters ( see Exhibit C, Exhibit D ). 

In these two letters, I requested the missing information from my initial validation letter including the method of verification used by TAB Services. 

I received no response from TAB Services and on XXXX XX/XX/2021, I checked my credit report and found that the balance was updated by TAB Services on XXXX XX/XX/2021. 

My request for proper and complete debt validation is my legal right and it's being ignored by TAB Services. 

This collection must be removed from my credit report unless TAB Services can provide complete validation of the debt.
Consumer complaint received 2021-09-14
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 contacted the credit bureaus as well as XXXX  XXXX XXXX to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank you.
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 information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX incorrectly reported a XX/XX/2021 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Equifax needs investigate the erroneous statement. Equifax is not to verify if the account belongs to me! Not verify my name, address etc!!! Equifax needs to follow the federal law to report accurate information. My report says XX/XX/2021 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal! Give XXXXXXXX XXXX the 30 days the law says to rectify. The law doesnt say verify address as a solution to my complaint.!
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (CA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-11-11
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
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 information incorrect
Company: Experian Information Solutions Inc. (TX)

I have two medical collection accounts on my credit report that are showing the exact same amount from the exact same collections company. The accounts were opened on two different dates and has been disputed as a duplicate. The reporter and credit bureaus keep responding with verified sometimes in less than 24 hours. This should be one item on the report. 

Credit Bureaus : Experian Collection Company : XXXX XXXX XXXX Balance : {$1200.00} Dispute Dates : XX/XX/20 XX/XX/20
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2022-05-01
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. (MO)

Experian allowed XXXX XXXX to add an address to my account XXXX XXXX XXXX XXXX XXXX, MO., and a phone number XXXX without my knowledge or consent. I can not remove the address from my account or file a dispute XXXX has the address locked. 

I could not find this correct information because Experian does not allow me access to complete credit report. 

Delinquent account are open and pass due, not allowing me a home loan.
Consumer complaint received 2021-08-19
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was scammed by an XXXX user and phone # XXXX XXXX XXXX ( XXXX  id ). He told me to do the transaction via zelle instead of XXXX. It was XXXX ( XXXX watch ) + XXXX ( shipping ). 
I grilled him with all the right questions including showing the prof of the watch and so forth. At the end he pushed me to make the payment an promised to ship the item within 2 hours. Instead, he just vanished. 

I have documented everything! 

This should be an easy case to close it out.
Consumer complaint received 2021-11-30
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: JPMORGAN CHASE & CO. (GA)

Been a loyal customer with Chase for several years and have always paid bill on time. Recently, the service has been terrible. Filed a Dispute back in XXXX for a charge that was not authorized on my card. Moreover the charge was put through from a card that I reported to Chase lost/stolen many months prior. It is now over XXXX days and there has been no progress. I receive endless text messages and emails from them asking me to contact them. I have complied and responded promptly but they keep asking the same information. To date, I have invested over XXXX hours on this dispute just on phone time with Chase. I have spoken to over 14 people and each give me a " different update each time. Their internal processes have got in the way of providing me with quality service and also protecting me. I have been bounced back and forth from the dispute division to the fraud division and most recently recoveries. I had to argue for a temporary credit simply because they could not make a decision as to where the issue should be investigated. I have provided more than adequate documentation to them including a chronology and text message screen shots with the merchant confirming the charge was erroneous. 

In short, Chase has failed to represent and protect me. They have delayed the investigation and I have become caught up in internal processes. 

I have also invested close to XXXX hours investigating this taking time from my day and job to bring this issue to closure with the merchant to no avail. 

I would like this to be objectively reviewed at a higher level and someone to contact me.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (TX)

This is a continuation of XXXX. 
No resulution yet. 
I ask that this complaint not be closed until I recieve my funds back. 
SunTrust took 12 days from the original complaint to ask for a HoldHarmless letter and a copy of the police report. Both of those were sent XX/XX/2020 to SunTrust. No one at SunTrust is taking my calls. I have left multiple phone messages and have not recieved a call back. 
My {$17000.00} bank wire transfer from XX/XX/2020 has yet to be returned to me. 
There is a fraud issue at SunTrust. 
The reply from SunTrust must address this.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

XX/XX/XXXX PayPal limited my account with XXXX in the account the limitation end date was a 180 days which was up XX/XX/XXXX of XXXX I have yet to receive any email to withdrawal funds and was told a ticket has been submitted which was 3weeks ago and funds are still being help PayPal agreement states after 180 days funds will be released yet my funds are still being held.
Consumer complaint received 2020-05-19
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. (OH)

I have a issue with XXXX XXXX XXXX. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. XXXX XXXX need to fix this as I was a loyal customer for over a quarter century.
Consumer complaint received 2021-11-30
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. (MO)

Equifax has an account on my credit that have no idea about. There is no acct listed, just a balance of {$210.00}. When I called Equifax, no one helped me get this matter resolved. This a clear violation of the FTC. Please also let Equifax know they are not following the FDCPA. How can I dispute something, if there is nothing to dispute? Please stop this travesty of justice from happening to me. I am tired of going back and forth with Equifax. This account is not on my XXXX or XXXX report. Please investigate this matter immediately.
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person and original creditor sent Capital One a debt validation letter and a cease and desist letter. Both documents were sent onXX/XX/XXXXand received on XX/XX/XXXX. Capital One responded with a request to receive information from me on this alleged debt and stating they can't take action on my request to validate the alleged debt until I send them the information they are requesting. However Capital One continues to send me statements in the mail stating I owe this alleged debt that they obviously can not validate. It doesn't make sense to me that they are sending me statements in the mail telling me to pay something that they can not validate. Capital One has failed to report that this alleged debt is being disputed pursuant to 15 USC 1692g ( b ). Capital One continues to try to collect on the disputed debt and has not cease to communicate with me. Capital One has harmed myself and credit report and file by housing unverified and unvalidated debt on my consumer report and for that they are civilly liable to pay me for damages.
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: Merchants Adjustment Service, Inc. (AL)

I have sent debt validation letters to the following companies : XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX, LLC ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), and Merchants Adjustment Service ( XX/XX/2021 ). 

XXXX : Has not provided proper validation of the debt owing to me XXXX : has not responded XXXX : has not responded Merchants : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
Consumer complaint received 2020-06-03
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Since the fiscal year 2022 started on XX/XX/2022. Capital One Bank has taken in NSF {$1700.00} and Overdraft fees {$2700.00}. 

It's over {$4000.00} dollars in fees Capital One has taken in just fees in a matter of 4 full months. 
I had shared my disagreements with the bank in the past but they just fix one day of fees and Saud they coudnt help much over the phone. 
As a small business owner with no support from absolutely no banking or any other entity support I've been trying to. Survive and make ends meet for about 3 years now, when I had asked for Capital One for a small business loan, or PPP or any type or grant I was denied and their response was that as a business I was not impacted by the Covid19 pandemic. 
Instead of helping a small business as mine, they're sinking me to failure, they did not even offered me a way to stop those indiscriminate fees that are making me fail instead of helping my small business. 

Gracias
Consumer complaint received 2018-02-13
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. (AZ)

I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX XXXX account ( ending in XXXX ) was opened fraudulently. 

As I have upgraded my XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ( ending in XXXX ) in XX/XX/XXXX, I was told that the previous card has closed. 

On XX/XX/XXXX, I went to XXXX XXXX store made a purchase, and asked the XXXX XXXX cashier to put that purchase on my XXXX XXXX XXXX account. However, the cashier open a new XXXX XXXX account without notifying me. 

On XX/XX/XXXX, I received call from XXXX XXXX to pay late fee charge and interest for XXXX XXXX Card account. After speaking with more than three customer services from XXXX XXXX on the call, they just pushed me to settle for the payment. 

XXXX XXXX failed to notified me about the new credit card account opened without my consense, until the late fee has been charged. I was charged for unfair late fee due to the mistake made by XXXX XXXX workers and XXXX XXXX. 

I have no late payment for any other credit card that I own from other banks. This has negatively impacted on my financial credit.
Consumer complaint received 2022-05-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VW Credit, Inc (KY)

I XXXX XXXX, Consumer, experienced a depressing moment in my life when On XX/XX/2022, Volkswagen Credit XXXXnc, Repossessed my vehicle unlawfully the night before a workday. Volkswagen Credit Inc. allowed a third party to retrieve my vehicle without my permission for them to disclose my personal information to a third party without a contract in place between myself and the third party. On XX/XX/2022, Volkswagen Credit Inc. received a request for information letter from myself sent certified mail return receipt for the following information ( proof that Volkswagen Credit Inc. repossessed my vehicle in accordance with the law : " I demand proof that the repossession of the subject vehicle was legal in accordance with the following U.C.C : 9-506. Effect of errors or omissions XXXX XXXX XXXX. Notification before disposition of collateral- KRS XXXX XXXX. Timeliness of notification before disposition of collateral- KRS XXXX XXXX. Contents and forms of notification before disposition of collateral- KRS XXXX XXXX. Explanation of Calculation of Surplus or Deficiency- KRS XXXX I am also requesting a statement of accounting pursuant to U.C.C 9-210. '' I am patiently waiting for Volkswagen Credit Inc. to respond to my request. The 14 day window that they had to provide me with the information was up today XX/XX/2022. I have yet to receive the requested information from Volkswagen Credit. They also furnished to my consumer credit report our transaction history which is a violation of 15 U.S. Code 1681a. This was an Unlawful repossession has caused me mental anguish, XXXX, character, and mode of living. Volkswagen Credit Inc, has violated my rights as a consumer. 

amount reported on consumer report : {$18000.00} amount financed on " installment contract '' ( consumer credit transaction ) : XXXX finance charge on " installment contract '' ( consumer credit transaction ) : {$6400.00}
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

This is a follow-up to my complaint regarding LVNV FUNDING LLC reporting a collection account on my credit report. My CFPB complaint reference number is XXXX While I received notification from the original creditor about the account being sold to LVNV FUNDING LLC , it was untimely. The collection account was opened on XX/XX/year>, and I wasn't notified until XX/XX/year>. 

The Fair Credit Reporting Act ( FCRA ) requires debt collectors to notify debtors of account transfers within a reasonable time frame. A notification received 17 days after the collection account was opened is likely considered unreasonable under the FCRA. 
Due to this late notification, I argue that LVNV FUNDING LLC did not follow proper procedures and therefore can not report this account on my credit report. 

I understand I may have an obligation to the original creditor for this debt. However, the late notification about the account transfer raises questions about the validity of the collection company 's reporting on my credit report.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023, I sent in the disputes and they have still not gotten rid of these student loans on my credit report.