davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of 2023, I looked at my credit report and noticed that there were quite a few discrepancies. I reached out to the bureaus but they have not assisted in removing these unauthorized accounts on my report. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate for I am disputing the accuracy of these accounts for the following reasons : XXXX XXXX XXXX-Acct # XXXX Is a total loss vehicle that was supposed to be removed from my credit report a while back. 
XXXX XXXXAcct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX-Acct # XXXX I believe this collection is reporting inaccurately. - Please remove it XXXX XXXX -Acct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX- Acct # XXXX I believe this collection is reporting inaccurately. 
XXXX XXXX XXXX- Acct # XXXX This is completely inaccurate and inaccurate reporting on my report. 
XXXX- Acct # XXXX have not been given a chance to dispute according to12 CFR 1006.34 ( c ) ( 4 ) ( i ) - The collection agency isalso violating my consumer rights by using false misleading, harassing, and deceptive means.

Under 15 USC 1681-s2 ( 7 ) ( A ) - the collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law which they are in clear violation. I request that you investigate this dispute and take the following action : I Request the account be removed from myreport for this is inaccurate information. 

I urge you to handle this matter with diligence and accuracy. 
Please see the attachments below
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

There is inaccurate information on my consumer report, the collection by resurgent receivables been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Consumer complaint received 2020-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Acceptance Rentals, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX NC XXXX My Name is XXXX XXXX, I opened an account with XXXX  XXXX  XXXX is their number, AcceptanceNOW in XXXX of XXXX agreement number : XXXX. I don't even think XXXX XXXX owes the company now. 
I had an agreement to make payment once a month for 18 months. I have been making a payment every 2 weeks since that time of {$130.00}, I have never missed a single payment. 

I have paid well over {$4500.00} dollars for a living room and a bedroom suit, that is probably worth about half that much, not to mention the fees that are added. I have called this company to never get a straight answer from anyone on the staff. it's a shame that North Carolina will allow these rent to own companies to overcharge customers by hundreds of dollars, in the name of doing business. I have made 6 payment of over {$800.00} and have been told for the past 4 months that the balance is {$780.00} after each payment. I check my credit report that showed a balance of {$470.00} and I have made two payment since that time, I have never had this experience with a company, I have nothing but problems since I opened this account, Customer are looked at as numbers, they have no respect for the customer base. I will never do business with rent to own companies again as long as I live. I ask someone to please look into this matter for me, I will be happy to forward all documentation i have on payment and debits from my checking account. All I want to do is pay off this account without paying more than I owe. 

Sincerely, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MN)

I opened an account on the basis that I would receive a {$500.00} bonus if meeting a XXXX cumulative deposit with 60 days with Wells Fargo. I met the terms and called about the bonus that was not received and was told that I do qualify for the bonus. A case was submitted by the employee per the phone call on XXXX/2017. On XXXX/2017 I received a letter stating that I am not eligible for the bonus.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Has taken months of repeated phone calls to get on a payment plan we were told was available to us, each time we call we get a different cust sv rep and have to reexplain the situation ( was told they could not let me speak to same rep we spoke to previously ), incorrect information told to us about when a payment was due while they worked on a mistake they made in processing for our loan payment.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

still calling about the same issue I want my late payment refunded now I get a letter from a capital from this XXXX lady she XXXX  me a letter I have tried to call her back several times and I can't get a hold of her ever I have left several messages with her and she does not return my call I am going to keep fighting this until these get reunded
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For over a year now, there has been an ongoing issue with Capital One and their predatory consumer practices. Two of my credit cards, which were paid on time monthly ( and over the minimum ) were illegally closed without warning or notice. I've contacted them directly, I've filed XXXX complaints, and I've reached out directly to their corporate offices. All of which have not successfully deleted the illegal information they reported to credit bureaus. I want this matter solved once and for all, immediately.
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (CA)

Yamaha Financial took back accounts for loans that were being serviced by XXXX XXXX  on XX/XX/2020. I made two separate payments, one posted on XXXX XXXX with a remit date of XX/XX/XXXX and the other posted on XXXX XXXX with a remit date of XX/XX/XXXX. They were both sent to XXXX. 
XXXX states that both payments were forwarded to Yamaha, yet Yamaha states they only received one payment for XXXX. I have spoken with Yamaha numerous times since then, beginning XX/XX/XXXX, and they have claimed they were looking into the missing payment. 
Today, XX/XX/XXXX, they stated that there is no record of a second payment made in XXXX, and that they can not reverse the {$79.00} in late charges that have accrued during the time that their " missing payment team '' has been attempting to locate the {$250.00} payment. Email proof was sent to them XX/XX/XXXX, and I was assured on XXXX. XXXX that all payments would be reflected in my account that were made during the transition period.
Consumer complaint received 2016-11-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (SC)

I was rear ended in a car accident XX/XX/XXXX Hired attorney, XXXX to assist. He sent me to XXXX XXXX. I went there for about six months with no relief. I never signed a piece of paper or gave them a credit card or received a bill of any kind from these people. I had to fire my attorney and hired XXXX to handle the case which was finally settled in XX/XX/XXXX. 

I received a phone call from the XXXX and referred him to XXXX, my attorney, who told him the case had been settled, that no bills had been submitted to him, and that no money was due. 

The XXXX called me over the phone and told me I owed him {$5000.00}. I told him I had received a very small settlement and all bills had been paid from them and that I never signed an agreement paperwork or a bill of any kin from him. He said he was going to collect his money and that he was going to have collections come after me, which he has done and my credit is now ruined due to this mark on my character. 
He turned it over to a collection agency and reported it to all XXXX credit reporting agencies. I am XXXX have worked my entire life to have good credit. Before this mark on my character, my report was XXXX. He has done serious damage to my name and reputation as I am a respected person in the community. XXXX turned it over to capital accounts llc who have been harassing me over the phone.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc (CA)

CFPB FTC Letter Submitted on XX/XX/2020 Pursuant to my rights under federal debt collection laws, I requested that Merchants Credit Association cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts they claim that I owe. 

I also notified them that if they do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Washington Attorney Generals office. Also, I told them civil and criminal claims will be pursued. 

After sending this letter, postmarked XX/XX/2020. Merchants Credit Association continued to harass me by contacting me via my cellular phone and leaving a voicemail on XX/XX/2020 at XXXX PST. Please find the evidence attached to this complaint. 

Please help me stop Merchants Credit Association, who clearly defies federal and state laws and continues to abuse its states residents. 

According to a simple XXXX search of the company, it has a poor rating with the XXXX, has been sued numerous times, and received multiple federal complaints. 

Please, CFPB and FTC, how can a business like this be allowed to continue to operate in our great nation? 

At your disposal, XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (GA)

THE accounts listed below are fraudulent and are destroying my financial life ... I have submitted all the proper documentation to all 3 bureaus proving that these items are fraud yet the bureaus fail to follow the rules set forth by the FCRA section 605B when it comes to fraudulent accounts ... PLEASE BLOCK AND REMOVE these accounts immediately! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : US DEPT OF EDXXXX # XXXX {$140.00} XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$160.00} XXXX XXXX XXXX # XXXX {$720.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$1000.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DPT EDXXXX # XXXX {$0.00} US DEPT ED XXXX XXXX {$0.00} XXXX # XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX # XXXX {$720.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : DEPT OF ED/XXXX  # XXXX {$0.00} US DEPARTMENT OF EDU # XXXX {$0.00} XXXX XXXX # XXXX {$1200.00} COLLECTIONS # XXXX {$120.00} COLLECTIONS # XXXX {$720.00} COLLECTIONS # XXXX {$690.00} COLLECTIONS # XXXX {$130.00} COLLECTIONS # XXXX {$180.00} XXXX XXXX # XXXX {$310.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XX/XX/XXXX
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Ive contacted Capital One Bank on numerous occasions after I received a letter in late XX/XX/XXXX stating that I have a XX/XX/XXXX court date. I was notified that there will be an investigation of the Fraud Alert that Capital One rejected me twice. They stated that it was a false claim. The false claim is false. I just received a phone call from a young lady by the name of XXXX from XXXX XXXX XXXX today at XXXX XXXX CT. XXXX stated that I communicated with Capital One & XXXX XXXX XXXX back in XX/XX/XXXX. She said that I called for a hardship so that I wouldnt get my wages garnished. And she also said that I said I had hardship during Covid. Both claims are incorrect so I am waiting for a phone call from the investigation of that phone call where I allegedly said that I was affected by COVID-19 & needed a hardship. At the beginning of XXXX, I received paperwork and appeared to court on that paperwork date. The judge, on the XXXX court call, told me that there was nothing that I needed to do not & that basically XXXX and XXXX filed something to keep the case going. Im just highly confused because now Im being told that I asked for a hardship. The account is not mine. I asked for further fair investigation. And when I asked her to send me the statement that showed the {$2500.00} credit limit being exceed it to over {$3000.00}, and resulting in {$3500.00} with {$.00} balance. Upon asking, she told me there was an address of XXXX XXXX XXXX in XXXX, IL. Ive never resided at XXXX XXXX XXXX and Illinois Postal Service can back that claim. If I need to submit this, I would do so. I submitted a claim back in late XX/XX/XXXX on this platform. I was told that this account was pending investigation by XXXX and XXXX but instead, Wage Garnishment was the pushed objective from the company. The only other option discussed was 24-36 months of voluntary payments.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I order a XXXX cake for XXXX $ and food for XXXX $ for a birthday party. I don't have a screenshot of their original date of purchase but I do have receipts from both merchants. They took both amounts from my account the day I bought them ( XX/XX/XXXX and XX/XX/XXXX ). That left my account at XXXX XXXX I got paid and they withdrew a XXXX  time. Lowering my balance. I can't afford grocceries now and I tried contacting them. They were in denial about the whole thing even tho my partner also saw the charges were charged the day after. I bought on XXXX after and that got double charged too. They're stealing my money and want compensation since it's been going on for awhile but I haven't noticed it until I looked hard and see my purchase date and withdrawal dates kept changing on the app. I don't have exact ss 's but I have screenshots below showing the pending yet they took money out of my account. They're going to charge me again.
Consumer complaint received 2020-07-17
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX2022  I received my XXXX XXXX XXXX with credit limit of XXXX experian refused to report it after XXXX sent me 2 lettersXXXX22 and on XX/XX/XXXX22 that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. XXXX has been inaccurately putting the wrong credit information. XXXX accurately reported it no XX/XX/XXXX. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

A debt on my credit report that is handled by Portfolio Recovery Associates, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (TX)

Upon undergoing a back ground check for federal employment, I learned this debt was listed with a collection agency on my credit report. I mailed a letter to Pinnacle Credit Service on XXXX/XXXX/16 asking for verification/documentation of the debt. They did not respond. I mailed a follow up letter to Pinnacle on XXXX/XXXX/16 with a copy of the original letter. I asked again for verification/documentation. They did not respond. I mailed a third letter certified mail return receipt requested on XXXX/XXXX/16 advising them to verify the debt or have it removed from all three major credit reporting bureaus. I received the return receipt verifying they received the letter XXXX XXXX. They still have not communicated with me or removed the debt. I applied for a mortgage on XXXX/XXXX/16 and was denied an FHA loan because this debt is on my report, yet the collection agency will not respond with verification/documentation.