davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased through finance a vehicle from XXXX XXXX. It was a XXXX XXXX XXXX. I acquired the loan through Capital One. The dealer offered me to purchase my XXXX in the purchase of a new car. Which they did. They sent all the documents to Capital One. Capital One. As of this day keeps charging me for a car that I don't have. It still showing in my credit record. After I've told them for the past 5 years that I don't have that car. The dealer sent them all the paperwork. If they have an issue ... Call them an quit herrassing. Accussing me of having under my possesion a car that the dealer kept. If they are so smart. That car has a chip. They can find out where the car is. Of course. Not with me. As they accused me. And placing this on my credit report. Which is causing for me not to be able to get good car because of high interest rates because of this vultures stealing money and accussing and herrassing about a car that is not under my possesion that it has not been for the past 5 years, and that the dealer sent all the documents to them. Please help!
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I opened up my Bank of America credit card in 2006 and I have had a 100 % payment all these years and now Bank of America has closed my credit card for no real reason, as Ive been a responsible user for 14 years with no late payments at all, my credit is negatively being impacted for losing this credit line.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I had my Kohls XXXX  used without my knowledge or permission.Fraud started around XX/XX/2017, total of $ XXXX have sent the company copies of police report.The company says there is no fraud.There was XXXX people involved and both have been reported to the police.Kohls needs to admit this is fraud and clear my credit, plus issue to me a new card.The XXXX involved also opened up a new account in my name.This was also reported.
Consumer complaint received 2020-09-14
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

New Inquiry from XXXX XXXX on XX/XX/23 was made under my information. Never heard about it or requested any from it. 
I need this canceled and something done to not affect my credit score.
Consumer complaint received 2021-11-10
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: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS has failed to provide me with any copies of any papers that show I agreed to pay what they say I owe, but I'll explain again. On XX/XX/XXXX and XX/XX/XXXX a derogatory mark was added on my credit report per XXXX XXXX from ARS account solution and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any hospital to sell or to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is for validation of debt and HIPAA authorization. Action to be taken : If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. Please note that withholding the information you received from any medical provider is an attempt to be HIPAA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA complaint..
Consumer complaint received 2021-11-10
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. (CA)

I submitted a credit dispute with Equifax on XX/XX/2021, to remove inaccurate information on my Equifax Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

Equifax responded on XX/XX/2021 that they did not remove the item from my credit report. 

I am requesting that the inaccurate information be immediately deleted from my Equifax credit report.
Consumer complaint received 2023-02-24
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX  XXXX XXXX  : {$1600.00} XXXX  XXXX XXXX  XXXX XXXX  : {$480.00} XXXX XXXX XXXX XXXX XXXX : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/2023 XXXX
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

Bill payment date set for XXXX starting XX/XX/2021. Wells Fargo sent two payments on wrong date of XX/XX/XXXX. Lengthy calls on that date only to be told Im sorry nothing can be done, its electronic. Being on XXXX I borrowed money to bring current for this mistake. XX/XX/XXXX Wells Fargo sent the same two payments again. I have received the same apologies and a long list of what they can not do to fix it. I dont have the ability to borrow again and has caused a severe hardship. Now they are charging NSF fees for this mistake. They refuse to escalate the call and the branch refuses to investigate. They wont close the account because of the negative amount caused by Wells Fargo. These payments would actually be payments that should have been processed XX/XX/2021 2021
Consumer complaint received 2019-06-07
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: Receivables Performance Management, LLC (NV)

Unverified Account Account Name : Receivables Performance Management Type : Collections Date Opened : XX/XX/XXXX Balance : {$1100.00} Debt : {$1100.00} Ive disputed this account information as inaccurate to the Credit Burous. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they're unable to provide me a copy of verifiable proof, they must remove the account.

I mailed Request for VALIDATION, NOT Verification letter to the original creditor ( Receivables Performance Management ). I requested Receivables Performance Management to provide me with any proof that the account belongs to me. Receivables Performance Management never responded. 
First Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Receivables Performance Management. A second Request for VALIDATION, NOT Verification letter was sent to Receivables Performance Management. Receivables Performance Management failed to respond again. The second Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Receivables Performance Management.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Technology Federal Credit Union (NY)

Someone in XXXX Texas  stole my identity.I was born in XXXX. Live in XXXX XXXX, 25min drive from where I was born. This guy came back to XXXX Texas? After 31 years this guy comes back and has 5 different addresses? He has 2 different addresses in one credit bureau. One address is for a business, a parking lot, an apartment, a house. I provided all my info, the only one on my side is XXXX, the other two have still have his info. According to them he has everything From Social Security Card, Birth Cert, State ID, and passport. I have XXXX XXXX, XXXX on my side saying that individual is lying. XXXX  refuse to give him a credit card twice due to the information he provided to them was inaccurate. The only one who took the bate was First Tech Federal Credit Union. He has a car loan and a credit card with them. After 5 months Im stuck. I did freeze my credit. Thats the only positive thing I have so far. I have no idea what else to do. Yesterday I went to social security administration and they gave me the same info i been doing for 5 months and nothing else. My friend in the NYPD and FBI have told me the same. " These GUYS, use multiple addresses and go fishing to different banks or businesses they can open a credit card, they have everything from Social to passport and even hire people to pass them as a relatives. We have thousands crossing the border. They pay {$5000.00} to {$7000.00} dollars to cross them at the border. They have bank account numbers written in their cloths. If they can pay XXXX to cross them over, they do have {$2000.00} to buy your info in the dark web. '' XXXX  did a check on the emails, phone number and so on. It came out in the report my email was in the dark web. Same email I use to send personal information to the companies I work for ... ..Its been a long 5 months ... ... ... Please help!
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  XXXX # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for XXXX XXXX stating that there was no reason on their end or mine that the payment was returned. This was an issue with XXXX XXXX and I would like these lates removed off of my account.
Consumer complaint received 2020-12-11
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. (GA)

The following accounts are fraudulent and unknown and unauthorized by me. Thess accounts has been appearing and reporting on my credit files. Im demanding the removal of these fraudulent accounts. Please remove the following. 

1. XXXX XXXX {$300.00} 2. XXXX {$1000.00} 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$500.00} 5.XXXX  XXXX  {$60.00} 6. XXXX XXXX {$470.00} 6. XXXX XXXX {$310.00} 7. XXXX XXXX {$730.00} 8. XXXX XXXX {$160.00} 9. XXXX XXXX {$110.00}
Consumer complaint received 2019-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (NC)

I have a mortgage loan with Provident Funding. We sold our home. It closed last Monday on XX/XX/2019 at the law offices in XXXX, North Carolina. The payoff was received by Provident Funding on XX/XX/2019. Provident had evidently quoted a XX/XX/XXXX payoff to the attorney 's office, and I just found out today that Provident refuses to process payoffs if they are short by even a penny. They returned the payoff to the closing attorney. Mr. XXXX XXXX of Provident informed me today that the payoff was short and I needed to give him a phone pay equal to {$24.00} per day for each day after the the XX/XX/XXXX payoff. I did that. If the attorney does not return the funds today he said he would be calling me back again to get all the additional days of accrued interest. I called the lawyer and they confirmed that Provident returned the payoff in full to them and they are sending it back to Provident again today. Mr. XXXX told me they really do not care what other banks do because they have their own internal policy. Why in the world could Provident not just go ahead and process the payoff, then hold the account open until the borrower pays the remaining balance full? Why the many days of higher than necessary per diem interest? It's their policy, and it's a bad one. In this case I continue to pay interest on {$260000.00} when I really only owed them one day at {$24.00}. It's not criminal, but it's not the correct way to handle a payoff, either. It's just a BAD internal policy and unfair to any consumer.
Consumer complaint received 2022-09-17
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. (CA)

Two parts outline this nightmare due to XXXX  predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use XXXX because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. XXXX currently has XXXX of these XXXX complaints That clearly defy the fair credit lending act.
Consumer complaint received 2021-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (MI)

About 13 years ago, I had bought a car that was financed through Prestige financial, out of Utah. I had made a few months payments, until, it was not financially feasible to continue with the loan. I had asked them what my options were, and finally found someone to take over the loan. 
The person that took over the loan, made 1 payment, then defaulted, and did not. Follow thru with the transfer of the loan. 
Pristige, ended up getting the car back, selling the car, then months later I was contacted, saying that I still owed, around XXXX for the car. 
I had tried, to work something out with them, 13 years ago!! To no avail. Meanwhile, I just received a letter from my employer that they got a judgment against me for {$26000.00}!!! And, are going to garnish my wages. The car was worth about {$5000.00} max. I was living in XXXX, when this happened, and currently live in XXXX. What can I do?? Prestige, has a horrible record of predatory lending, and are abusive, in there practices. 
Since this fiasco, I have financed and paid off! 2 vehicles. Please help. Thank you.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have one late payment reported o credit report it is from Capital One Credit Card in XX/XX/XXXX. I sent in a check ( # XXXX ) from my XXXX  business account on XX/XX/XXXX in the amount of {$1000.00} it was never cashed until XX/XX/XXXX. I am unsure what happened if maybe it got misplaced in capital one mail-room or something but if the check would have been applied to my account on time I would have avoided the late payment and the interest charges for that many months on the {$1000.00}.
Consumer complaint received 2021-11-10
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: ENCORE CAPITAL GROUP INC. (SC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-11-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (WA)

I got a payday loan 8 years ago and Im still getting calls stating I owe them and if I dont pay they will take me to court and file a lawsuit for giving them my bank account info and not having the funds to pay.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself to address the imprecision on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX - Date of inquiry XX/XX/XXXX ; XXXX/XXXX XXXX - Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE SER - Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE XXXX - Date of inquiry XX/XX/XXXX ; XXXX XXXX - Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (AL)

On XXXX XXXX I was notified by the 3 major credit bureaus that there was a negative collection reporting for {$390.00} by National Credit Adjusters on behalf of XXXX XXXX XXXX XXXX  XXXX. I have contacted both companies notifying them and providing documentation of identity fraud to no avail. They have continued to report this fraudulently acquired negative collection account and have refused to delete with the bureaus. I have never been a customer and never will! This is a clear violation of my Fair Credit Reporting rights and I intend to immediately pursue civil litigation if there is not a positive resolution resulting in the permanent deletion of said account.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a detailed letter to each of the 3 bureaus, advising them of errors that I wanted them to research. To date, I have yet to receive mail from the bureau. I submitted my dispute through the US mail and I noted on the disputes that I also requested to receive the answers to my disputes through the US Mail. I'm aware that the FTC did allow the bureaus some flexibility at the beginning of the pandemic, but there should not be any reason they can not reply to me regarding my concerns.