davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (GA)

On XX/XX/2022 I sent all three credit bureaus a letter that they were reporting inaccurate and incomplete credit information and that i needed to see verifiable proof. They are not complying with regulations based on my request for an investigation.
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: OLIPHANT FINANCIAL, LLC (AZ)

Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (CA)

Collection agency is continually harassing staff at my place of business to try to collect a debt that is not mine. Agency is asking personal questions about me to other people at my place of business. Agency is threatening to garnish wages without justification. Agency has not honored repeated requests to not call again, especially to my place of business.
Consumer complaint received 2018-03-19
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: Experian Information Solutions Inc. (HI)

I am writing to file a formal complaint against Experian, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. After numerous attempts to amicably resolve this matter, Experian has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. 

Enclosed you will find a recap on my communication with Experian, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

this company which i hold no contract with nor have i received services from, reported a collection account against my ssn with XXXX, XXXX and XXXX credit reporting agencies. i requested verification of the debt and account however the business failde to provide adequate proof. considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof i am not obligated to pay for the alleged debt.
Consumer complaint received 2015-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

I am not sure what category this falls under but a company called Professional Inc. located in XXXX Illinois sued me for a debt that I owe to a bank located in town called XXXX XXXX XXXX. The debt is almost paid off however I noticed that they are taking XXXX dollars out of my paycheck every two weeks and it does n't seem to be adding up because they should be paid off by now. For instance, the last XXXX times I called they said they only received about 70 dollars and then XXXX dollars but my employer is garnishing my wages for XXXX every two weeks so where is the other amount going to? I know that your employer can charge you a fee for your wages being garnished but I have spoke with my employer and they do not charge a fee for that.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. This DEMAND of documents letter was sent to Experian by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays daye : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICES , LLC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OH)

My mortgage was charged off by XXXX the lender in XX/XX/XXXX. In XX/XX/XXXX Shell point Mortgage servicing was trying to collect this debt for the XXXX I made a offer to settle the investor accepted the offer and then Shell point notified me of the charge of in XX/XX/XXXX by the investor and disregarded my offer to settle. Now that the debt is charged off by the investor I want the mortgage released by the investor. I have contacted Shell point several times and have now been instructed by them to put the request in writing under ORC 5301.36 the investor must release the mortgage. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.
Consumer complaint received 2024-01-26
Product: Credit reporting 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've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/22 I sent certified mail to each credit reporting agency, XXXX, XXXX, TransUnion. I never received any response from the credit reporting agencies. I resent another dispute letter again on XX/XX/22 and still never received a response. I confirmed that my proof of address and all documentation was correct, which it was, however, I have still not received any response in regards to the inaccurate information that is reporting on my credit report and need to be removed immediately.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

Received XXXX statement with annual fee assessed on XX/XX/XXXX. Called Capitol One 's operator XX/XX/XXXX upon bill receipt, since I have not used this card in almost two years I determined I did n't need it. Not a problem we will cancel the card. Followed up my telecom with a letter mailed XX/XX/XXXX. Yesterday I received a XXXX statement showing the previous annual fee charge with additional late fees etc. Called today, XX/XX/XXXX and the operator said since I did n't pay the annual fee for the coming year I was assessed the late fees regardless of the fact I cancelled the card and the original operator told me since I was cancelling the card there was no annual fee due.
Consumer complaint received 2016-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Client filed bankruptcy in XXXX. A Home Equity Line of Credit was sold from ING to Capital One 360 after the bankruptcy. Since that time, the borrowers reinstated the loan with MAP funds through the NYS AG 's office and XXXX. It was confirmed via email on XXXX/XXXX/XXXX via ( attached email ) with XXXX XXXX at the XXXX that the payment after reinstatement would be $ XXXX/per month. In a conversation on XXXX/XXXX/XXXX, after reinstatement funds were sent to Capital One 360, it was confirmed that the loan was current, but the payment would be {$160.00} each month, contrary to what we were told prior to reinstatement. On XXXX/XXXX/XXXX, the borrower contacted Capital One 360 to simply request a mortgage statement each month showing payments made and principal reducing with payments, as the borrowers have not received consistent statements since the transfer. The representative first said that the loan was still in Foreclosure and not current, but rescinded that comment. They also stated that, because of the bankruptcy, they can not " guarantee '' monthly statements will be sent to the borrower.
Consumer complaint received 2021-01-26
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: Experian Information Solutions Inc. (MD)

I sent Experian a certified letter dated XX/XX/XXXX about an account with XXXX XXXX. I received notice stating that it was verified as accurate. 

I sent another letter dated XX/XX/XXXX requesting their method of verification, however, I did not receive their method of verification, but them stating that the account was verified as accurate again. 

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, spoke to a Representative named XXXX, and he stated that he could not find any account after I provided him with my social security number, my date of birth, and my address.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had two Capital One Credit Cards and I had some financial difficult and could no longer make monthly payments. On XXXX XXXX, I mailed Capital One a settlement agreement for both accounts to try to settle the debt and have it paid off It is now XXXX XXXX and I have not received a response from Capital One with either a yes or a counter to my offer.
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received an e-mail that there was an e-mail change for my online banking account. Immediately after receiving that, I logged in and noticed that my account was in a suspended state as a transfer had taken place of approx. {$900.00} to an unknown recipient. I received a call from Capital One 360 security and discussed the situation which resulted in my account being completely locked down and I no longer have access. This was on XXXX/XXXX/2016. I have tried calling every day and have been on hold for over 2 hrs several times without reaching a representative.
Consumer complaint received 2022-09-06
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. (IN)

This was not sent in error. I am a consumer by law and my info was misused and I now have some false not 100 % accurate accounts and information on my credit report. 

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did research. In Accordance with Fair Credit Reporting act the following accounts have violated my rights XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX DPT EDXXXX Account # : XXXXXXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX DPT EDXXXX Account # : XXXX Also 15 U.S.C 1681 Section 602A says I have a right to privacy and Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions and consent as well as the right to opt out! I was not given the opportunity for my information to not be shared and I'm demanding removal of these items.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Professional Debt Mediation, Inc. (FL)

I contacted Professional Debt XXXX inc on XX/XX/2020 regarding a account showing owed on my credit report. I spoke with a representative " XXXX '' who asked me for my social security number to identify an account in their system. Upon providing my social security number, the representative populated an account that did not match my name, nor the account number which was showing on my credit report. He informed me this was more than likely a result of idenity theft. I went on to tell him the account number and the amount showing owed on my credit report did not corresponding with the information he was providing. He went on to do a name search and came across another account which he claimed to be mine with further missing identifying information. This company is reporting incorrect and invalid information about me
Consumer complaint received 2017-08-16
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: Experian Information Solutions Inc. (FL)

I have been disputing with all three agencies.I do not have an account with this company, XXXX  XXXX.Nor have I been given a reason for any charges by original debtor XXXX XXXX XXXX owned by XXXX XXXX.who I tried to contact XX/XX/XXXX & XX/XX/XXXX. the manager, XXXX stole over {$6000.00} worth items from my apartment during XX/XX/XXXX. Police report was filed once I returned home my upstairs neighbors reported seeing XXXX carry my cherrywood armoire from my home and offering them my new appliances still in boxes.I confronted her in front of witnesses she admitted to taking my items but could n't get them. I was very upset because my fathers rings & bracelet was in there he past away. I had other items that past doctors and friend who died gave me.So I had irreplaceable items that meant a lot. XXXX so how upset I got then she stated ok just pack the items you going to take with you and do n't worry about trying to throw out anything I will take care of it.She promised to call me to come back and pick of my items.Instead the office asst quit and XXXX was never available or would n't answer the phone afterwards.Then in XX/XX/XXXX This company XXXX XXXX called me stating I owe $ XXXX.I asked them for what? Then I told them I do n't owe XXXX XXXX XXXX any money I paid rent on time and gave proper notice I was transferring.I never received any court date if I was being sued for this fraudulent Debt or I would 've have gone to court with my attorney to fight .XXXX is a thief I 'm not the first tenant being taken advantage.I do have witness to confirm all of this and my sheriff report I made in XX/XX/XXXX.after I found this on my credit report I have done 3 disputes with all 3credit bureaus starting in XX/XX/XXXX an attorney attempted to contact owner of XXXX XXXX XXXX  with no luck.i sent a letter to each credit bureau at end XX/XX/XXXXNo credit bureaus except responded.Experian notified me a chapter XXXX Petition was put on my report by XXXX  XXXX who I do n't have any account.This fraudulent has cost me loans for a home car and things I needed for my children.Because I may still have to move forward with an attorney I reserve the right to keep my police report number and witness information.thanks.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A bunch of inquiries appeared on my credit report without me knowledge or consent. 
these inquiries are : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX CAPITAL ONE, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX plus more.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Citi has failed to honor the terms and conditions of a deposit account marketing offer they sent me via email. I accepted the offer and completed the required activities, including depositing {$15000.00} in a new account ending in XXXX on XXXX XXXX, 2021, and leaving it in the account for the last 6.5 months. 

In addition, Citi has failed to update my Social Security number ( to rectify their mistake ) even though I've sent the proper documentation. 

I have reached out to Citi and received conflicting information on numerous occasions as well as complete lack of followup and/or caring. 

I consider Citi 's actions to be bait and switch and subject to UDAAP regulations. They are effectively holding my funds hostage and not paying the marketing offer amount ( {$400.00} ) nor any interest. Please assist. 

Thank you, XXXX XXXX
Consumer complaint received 2020-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Identity have been used without my consent to open fraudulent accounts I have not authorize anyone to use my Personal Information. I'm highly upset that someone would try to destroy me. please help me to resolve this situation. 
Thank you.
Consumer complaint received 2016-04-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP. (TX)

I sumbmited a complaint on 21 st mortgage THERE RESPONSE WAS THAT WE SINGED THE CONTRACT. THE CONTRACT SIGNED WAS FORGED BY XXXX XXXX IT WAS A FORGERY!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ACCOUNT NUMBER XXXX PURCHASE XXXX 2010 WE DID NOT SIGN ALL OF THIS CONTRACT I HAVE THE PAPERS SHOWING A FORGED SIGNATUREW OF MY NAME!!!!! PLEASE RE CONTACT THE M THEY NEED TO SETTLE THIS COMPLAINT WE WANT SOMEONE TO CALL US!!!!!!!!!!!
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  : XXXX Date Updated : XX/XX/XXXX Bankruptcy Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Inquiries XXXX OF XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX