davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX bankruptcydismissed Reference # : XXXX ; XXXX Bankruptcy XXXX XXXX XXXX bankruptcydischarged Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attention : Consumer Affairs Department Dear Equifax, I am writing to express my deep frustration and outrage regarding your flagrant disregard for my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that despite my explicit request to freeze my consumer report and submission of all required documentation, your company has failed to comply with the law and has instead demanded redundant documentation. 

Let me be unequivocally clear : I have the legal right under the FCRA to freeze my consumer report, and I have already provided all necessary documentation to exercise this right. Your insistence on requesting the same documentation that I have already submitted is not only redundant but also utterly ridiculous. 

Your unwillingness to follow the law now poses a direct threat to my creditworthiness and financial well-being. By failing to promptly freeze my consumer report as requested, you are jeopardizing my ability to protect myself from identity theft and unauthorized access to my credit information. 

I demand immediate and unconditional compliance with my request to freeze my consumer report, as mandated by the FCRA. Any further delay or refusal to comply will not be tolerated and will result in severe consequences for Equifax. 

I am directing Equifax to immediately freeze my consumer report and provide written confirmation of this action without any further delay. Additionally, I expect a formal apology for the inconvenience and distress caused by your company 's failure to adhere to the law. 

Furthermore, I will not hesitate to take appropriate legal action against Equifax to enforce my rights under the FCRA and seek remedies for any damages incurred as a result of your non-compliance. 

I urge you to act swiftly and responsibly to rectify this situation and restore my confidence in Equifax 's ability to handle consumer information in a lawful and ethical manner. 

I expect to receive written confirmation of the freezing of my consumer report within five days. Failure to comply will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing this complaint to Capital One. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2019-03-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

Due to financial hardships I filed for bankruptcy about a year and a half ago ; however, I reaffirmed the debt I owed to XXXX XXXX for an engagement ring. During the bankruptcy Weltman, Weinberg and Reis, LPC acquired the debt after the debt changed hands at least twice. I am unsure why a debt collector acquired the debt that I reaffirmed an agreed to pay under the initial terms. Weltman increased the balance I initially owed by {$700.00} ; stating that they did not receive some of the payments. I even asked if the {$700.00} is a fee that Weltman is charging me to service the debt and was informed that it is not. I contacted the company who had the debt initially ( XXXX XXXX ) after XXXX finance company and was informed that the amount due that Weltman continues to provide to me is incorrect. I contacted them most recently last week and was informed that my balance is slightly over {$1400.00}, but Weltman indicates that it is almost {$2100.00} and counting ( with daily interest added ) Weltman however, refuses to correct this error. The debt was reaffirmed ; which means that I agreed to pay it under the same terms as previously agreed to when I initially acquired the debt from XXXX. Lastly, Weltman adds additional interest daily, to the balance owed ; even though I continue to make on-time monthly payments.
Consumer complaint received 2019-03-18
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. (NC)

On XX/XX/XXXX, I sent a request to the three credit bureaus, asking them to investigate three errors on my credit report. XXXX had no problem completing this task, as I got my response back from them within a couple of weeks. For whatever reason, I still have NOT gotten my responses back from XXXX and Trans Union, and its been well over 30 days.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX XX/XX/17 Td auto finance XX/XX/17 Neighborhood XX/XX/17 XXXX Llp XX/XX/17 I didnt authorize the dealership to run my credit to any of these places. After one bank with a high interest rate, I specifically told them I was getting a rate from my bank after the weekend and to not pull my credit from anyone else. They wanted to sell me the car so they sent out my info to all these lenders without consent.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

upon reviewing my personal credit reports, i discover lots of unknow accounts I never opened and are currently in collection with large balances. 
these accounts are opened fraudulently on my name, realized it is the reason why I am being denied credit cards and are receiving higher than normal interest rate etc. when i applied for credit cards loans. 
i was referred to this site by a friend advising i can get help to fix the problem. so im submitting this report in hopes of a positive turn around. please help
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

i'm behind on my payment and from XX/XX/2020 to the time i filled this out ( XX/XX/2020 XXXX ) I have received about 29 calls with 3 of them calls on sundays, i feel i'm being stalked and harassed. I feel CAPITALONE is not following law put into place to stop this type of mental terrorism to consumers. They should be fined or other steps should be taking to limt them them to 1 call every 90 days or fined XXXX per call
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

This is in reply to Citicard letter dated XX/XX/XXXX in connection with CFPB XXXX. 



YOUR COMPLAINT On statement for billing period XXXX XX/XX/XXXX I had an opening credit balance of {$71.00} On XX/XX/XXXX XXXX billed this account {$340.00} I had disputed this charge with XXXX since XX/XX/XXXX. On XX/XX/XXXX XXXX issued a credit to this account of {$340.00} finally resolving dispute in my favor. See attached letter from Citicard that reund of {$340.00} was resolved on XX/XX/XXXX and Citicard wrote " During our investigation, the amount of your dispute was temporarily suspended from the amount you owed and did not accrue any fees or interest charges.
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Experian is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX - 4th Letter XX/XX/XXXX It is over 120Days i still do not have a response or report of investigation, i belive nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2019-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have attempted to speak to have my issues resolved through Capital One many times through their customer service representatives. Within this last week they have misinformed me and misled me many times. I always had issue with my online banking it was finally resolved last week, I was able to login after nearly 8 months without the service. In the month of XXXX I spoke to a Capital One representative, I fell under the impression that this representative had set up automatic payments for me, again during this call I asked for help with the online banking to no success. In the month of XXXX I noticed I late payment for the month of XXXX on my credit report, immediately I filed a dispute through XXXX, to this date I have not received a letter from Capital One regarding the dispute. I have tried over and over again to have Capital One representatives hear me out. I have been hung up on, and transferred endless times with each rep unwilling to assist me. I also attempted to submit dispute via U.S. Mail, with no response.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have asked these companies for debt validation multiple times and have not been given this information. I need these accounts removed from my credit report as they are stopping me from being able to find housing. If a FTC report needs filed for privacy violations in order to get them removed I can do that as well! All I ask is that this information be provided from these companies within the next 10 days or remove the accounts from all of my reports that they are currently reporting to. Thank you! 

Furnisher, Account Number and Date Opened Below. 

XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Information requested ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; ( c ) Validation information. 
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ) ( 2 ) Information about the debt.

( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. 
( ii ) The consumers name and mailing address. 
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in XXXX ( f ), the name of the creditor to whom the debt was owed on the itemization date. 
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( XXXX ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector XXXX disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 
( ix ) The current amount of the debt.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for ridicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on XXXX, Equifax, and XXXX. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this
Consumer complaint received 2023-01-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX XXXX Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  XXXX XXXX Case Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello My Name is XXXX XXXX XXXX .Paypal Close My Account For No Reason. I checked there users agreement and there is nothing that I would have done and checking my activity I am no wrong even they close my account. In my account have over XXXX Usd .I earn money after hard working over 1 month. I lost my whole money. I try to contact to paypal customer service many time but didn't got any solution. I open my paypal account via this gmail id ( link with my paypal account ) XXXX.
Consumer complaint received 2019-03-18
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. (GA)

To whom it may consern : This is my second written request for your company to remove items showing on my credit report and you keep ignoring my request to block such information, onder FCRA your company has to provide verifiable proof of this item or remove them from my credit, There is a public record that do not belong to my, it should be remove as well as any account link to it .As victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint. 
This complaint may serve as a proof in a court of law, as a written request to remove this items.
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (IN)

I do not owe this debit, I requested written validation of debit from the company and received no information.

Collection accounts was added to my credit bureau only as an attempt of intimidation and with out any notification of claimed debit as a aggressive tactics to pay a debit that is not mine.

I was notifified by my alert system Of collections 3 weeks ago In the amounts {$1200.00}, {$120.00} and other {$120.00}
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have always paid my mortgage bi-weekly from the Bank of America checking account. I have never missed a payment. I set up the bi weekly auto pay so that in a year an extra principal payment gets made. Since XX/XX/XXXX Bank of America mortgage payment system has been inaccurate. 

Ive reported the concern from the very first time it was detected. The representatives said their payment system was updated which caused internal issues. They havent fixed the issue. Instead they sent me threatening foreclosure letters. 

Ive responded to that clarifying it is an error on their side. After further escalation to the XXXX they seemed to have finally assigned someone on the case. In late XX/XX/XXXX I assumed it was fixed but in XX/XX/XXXX I was again faced with late charges and fees. 

What Bank of America is doing is. They collect my bi weekly payments within the month but instead of applying as a payment it goes to a holding account where it collects money while Bank of America continues to threaten that I am late.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (TN)

In XX/XX/XXXX I went to the emergency room for an XXXX that I had on my XXXX due to XXXX. When I received the bill a few weeks later I mailed them a {$10.00} check, and was never contacted after that. I was never sent another bill or called for the remaining balance, and had honestly forgotten about the bill completely. I am now ready to purchase my first home, and I went to check my credit score online to get an idea of where I stand. I noticed I had an open collections account with the amount of {$310.00} with XXXX XXXX XXXX that I was never made aware of, and the account had been open since XX/XX/XXXX. I attempted to email the company in regards to the account where they state they will respond in 1-2 business days, but I never heard back from them. I called them today on XX/XX/XXXX and found out it was from the XXXX XXXX XXXX  visit that I had in XX/XX/XXXX.  This has drastically affected my credit score to the point of possibly not being able to purchase a home. If I had known about the bill I would have paid it years ago, but I was never contacted by the original collector or the current collector about the bill.