davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/XXXX I opened an account with Capital One Platinum, The Deposit was {$200.00} as was the Credit Line. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from Capital One Due to the Pandemic.

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest.

Unfortunately Capital One did not follow the Guidelines set fourth by the Cares Act & closed my account without my consent or knowledge and reported late payments and a charge off.

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood.

I have reached out to Capital One Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that Capital One and other predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.
Consumer complaint received 2022-11-06
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. (TX)

UNAUTHORIZED/ MISUSED CREDIT REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
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. (FL)

THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-27
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 (LA)

Capital one bank authorization of large amounts with no funds avaible and no debit card in hand from previous fraud documented and card was not even actives by me Wire transfer done under my name and account did not get refunded Checks were aroows by text check and somehow someone else cash a check and it goes through that was for lawn care not in my handwritten and signature off way off. 
XXXX credit card fraud and no physical card in hand and notified this problem serveral times in the last 2 mo cashing out more than my avaible alloted cash allowance to persons commuting fraud XXXX has my accounts load up to system before o even get in hand and fraud being done Victim XXXX XXXX accused of fraud all pmts I made legit to him. 
Account in XXXX XXXX card ended in XXXX not mine Thank you for you time XXXX XXXX Former XXXX  XXXX and XXXX  XXXX unique identification number documented XXXX XXXX XXXX XXXX Louisiana Last $ $ n XXXX XXXX XXXX
Consumer complaint received 2018-09-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. 

Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. 

We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. 

This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. 

We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021, I went to a BOA ATM at around XXXX XXXX  to make a deposit of {$2900.00} to an ATM, ATM ID XXXX. The ATM took the full amount but provided an error message. The cash was never returned to me. My husband and I intentionally stayed and waived at the camera to make sure the camera captured us. 
I called BOA but couldn't get anyone, so I called again the next day ( XX/XX/XXXX ). BOA submitted a claim for me, claim # XXXX. They gave me conditional credit while investigating the claim On XX/XX/2021, they sent a letter saying " we're unable to approve your recent claim ''. Reason was : " the charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. '' And then, it said " the credit ( s ) for {$2900.00} that was applied to your account will be removed on XX/XX/2021 '' THREE THINGS : 1. The reason BOA gave has nothing to do with my claim of missing cash deposit.

2. There was no documents attached with the letter sent to me. - That means they did not use any document to come to this conclusion.

3. There should be at least 2 evidence to support our claim - 1 is the camera for that ATM. 2 is the cash reconciliation. How can BOA miss both evidence and deny the claim? That's ridiculous.

The way BOA handles this case is crazy. NO clear reason ( see # 1 ) and NO clear documents to substantiate the decision. This is considered stealing.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SIMM Associates, Inc. (MD)

XX/XX/2020 simm associates they called me and threaten me over an alleged debt collection case against me and threaten me to legal action and constantly calling me and harassing me and refuse to let me speak to a supervisor about the complaint
Consumer complaint received 2023-02-06
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collins Asset Group, LLC (TX)

I am hereby giving notices to Collins Asset Group LLC and XXXX XXXX XXXX to Cease and Desist communication in regards to an alleged debt that is reporting onto my consumer report. 

The term communication Pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium.

Any medium includes any written, oral or electronic or any other medium. Furnishing negative information on my consumer report is a form of communication.

This is a formal notice to cease communication through ANY medium including my consumer report as it is a form of communication regarding an alleged debt.

This is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and my reputation has in fact been ruined in regards to this negatively reporting.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an audit trail of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.
Consumer complaint received 2020-10-13
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: Navient Solutions, LLC. (CA)

My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'NAVIENT '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to NAVIENT numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} XXXX XXXX All I want NAVINET takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have submitted my dispute letters for the erroneous information on my credit report. I have not received any response or validation in over 30 days. And the items are still on my report and have not been removed as the law states.
Consumer complaint received 2023-01-08
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. (VA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 UCS 1681 Account name Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) 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.
Consumer complaint received 2022-10-07
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: Colony Brands, Inc. (IL)

I HAD A ACCOUNT WITH SWISS XXXX AND PAID IT OFF BUT ITS STILL BEEN ON COLLECT AND CREDIT BREAU WOULD NOT REMOVE AFTER SENDING A LETTER FROM SWISS. ALSO THERE HARD INQUIRIES THAT I DID NOT APPLY FOR AND ASK FOR DELETION FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MI)

Company falsely reported to credit reporting company that account was disputed. Never received communication from this company showing the total debt and a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus and company stated that information was correct but again I was notified in writing about the debt.
Consumer complaint received 2019-02-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I tried to get a mortgage approval through Rocket Mortgage. At the moment I originally applied, my credit was around 608. After reviewing my credit, they said the system required a " dispute removal ''. They would not process my loan unless I agreed to this dispute removal process. After this procedure, they reran my credit and it tanked to XXXX. I did not qualify for FHA loans without a 10 % down payment due to my credit being to low ... but only after THEY RUINED IT! Rocket Mortgage refused to manually underwrite the loan. STAY FAR AWAY FROM ROCKET Mortgage!
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (TX)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$830.00} XXXX  XXXX {$300.00} XXXX   XXXX  XXXX XXXX {$1000.00} COLLECTIONS XXXX {$1900.00}
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

XXXX  is incorrectly reporting me as an Authorized User on Chase card ending in account # XXXX. I called Chase and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX  and XXXX have removed this from my report but XXXX  has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX One opened on XX/XX/XXXX and another on XX/XX/XXXX both in the amounts of {$570.00}. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$620.00}
Consumer complaint received 2023-01-08
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. (VA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 UCS 1681 Account name Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) 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.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (KY)

I was in the process of trying to co-sign for an individual but couldnt do so because I had unfair and unusual credit reports on my account which didnt make me a qualified applicant at the time. 

Upon discovering the fraudulent entries, I have taken immediate steps to rectify the situation. I have reported the fraudulent activity to the credit bureaus and have initiated the dispute process to have these inaccuracies removed from my credit report.
Consumer complaint received 2022-10-07
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (TX)

Lockhart Morris & Montgomery has been trying to extort me for nearly 2x the amount I owe to XXXX XXXX XXXX. XXXX  XXXX XXXX only called me once to negotiate the debt before they sold it to Lockhart. I have the receipt in my email from XXXX for the true amount that I owe and it is only {$3300.00}. Lockhart says I owe them {$7200.00}. I NEVER took out any type of contract with Lockhart and have requested them to provide proof numerous times of any contractual agreement I have with their company. I do not owe a debt to them so I will not be paying them.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

XX/XX/XXXX I am writing to file a complaint against XXXX XXXX, Experian, and XXXX. 

I have made several disputes with the credit reporting agency reporting that XXXX XXXX was not accurately reporting information. The balance that XXXX XXXX is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that XXXX XXXX provided. I recently sent a debt validation letter to XXXX XXXX requesting that the lender provides transaction and balance history. Per the documents provided by XXXX XXXX on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has XXXX XXXX provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX to date. 

I am requesting your assistance in putting an end to this matter.
Consumer complaint received 2020-11-27
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: CITIBANK, N.A. (WA)

XXXX  never lets me know the results of my dispute within 30 days. Have not explained why several accounts past 7 years still remain on my file
Consumer complaint received 2019-11-05
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: CITIBANK, N.A. (AZ)

I closed a Costco CITI card because payments were not being applied to the right card as I also have a CITI Simplicity card. I continue to get late payment letters threating to report me to collections. When I call and speak to customer service I get routed to a number and then hangs up. I can not get Citi Cards to close the Costco card ending in XXXX. Citi card reported me to the credit reporting agencies and caused my credit score to be lowered.