davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Whom It May Concern, I am compelled to submit a formal complaint against Capital One due to their handling of my fraud investigation case, referenced as Case No. XXXX # XXXX. This complaint arises from not only the unjust denial of my appeal based on misinformation but also from Capital One 's failure to provide any form of communication regarding their decision. Despite my proactive efforts, reaching out to them over five times to request clarification and to rectify the misinformation on their part, my attempts were met with empty assurances, and no representative has made an effort to contact me throughout the process. 

To my dismay, I discovered an unauthorized deduction of more than {$1200.00} from my account, executed without prior notification or explanation. This action by Capital One is unacceptable and contradicts the principles of fair customer treatment and transparency that financial institutions are expected to uphold. 

The banks refusal to engage in meaningful dialogue, coupled with their decision conveyed without notice, underscores a grave disregard for consumer rights and the integrity of their fraud investigation processes. It leaves me not only financially aggrieved but also deeply concerned about the standards of accountability and customer service at Capital One. 

Given these circumstances, I seek the Consumer Financial Protection Bureau 's intervention to secure a just resolution. This situation demands a thorough review of both my individual case and the broader practices of Capital One concerning customer communication and the handling of fraud investigations. I am prepared to supply all requisite documentation and evidence to substantiate my claims and to demonstrate the neglect and procedural failures on the part of Capital One. 

I appreciate your prompt attention to this urgent matter and look forward to your support in ensuring a fair and equitable outcome. 

Thank you for your assistance.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

Identity theft is happening to me they have went to different place and even is trying to get a prepaid card they went to a company called XXXX XXXX and I owe them XXXX and IT WAS NOT ME! 
Also XXXX XXXX is saying I owe them XXXX IT WAS NOT ME NON IF THIS IS ME I need help Im in distress also AFNI , INC is saying Im in collections with them of XXXX ITS NOT MENPLS HELP
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX  XXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ) as XXXX  continued to provide incorrect information. As it stands today Equifax shows an amount due of {$1000.00} and XXXX  shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.
Consumer complaint received 2015-09-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oxford Law, LLC (CA)

I received a letter from Oxford Law , LLC, which claims to represent XXXX XXXX , XXXX on XXXX/XXXX/15. 

The letter says that there an account # XXXX was open under my name ( XXXX XXXX ) with XXXX XXXX XXXX, and there is currently unpaid balance of {$3900.00} associated with the account. It also says that the debt was sold to XXXX XXXX , XXXX, which is trying to collect the unpaid balance through Oxford Law , LLC. 

On the other hand, I do not recognize the account # at all. I pulled a credit report from XXXX because of the letter. The aforementioned account was not listed in my credit report. None of the accounts listed in my credit report has ever had a single late payment history.
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (GA)

I sent a certified letter to XXXX XXXX on XXXX XXXX, XXXX to verify a debt they are reporting on my credit report. All they sent me was a letter and an old telephone bill. They did not send any of the requested information in the letter. I also sent this information to XXXX, XXXX and XXXX. They all stated the collection was verified, but did not state how it was verified or what information was used.
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

jefferson capital system acct. no. XXXX is wrongfully reporting on XXXX, XXXX, and XXXX credit bureaus.J.C.S.is collecting for a fraudulent XXXX XXXX debt, the original creditor.JEFFERSON CAPITAL is trying to collect XXXX dollars, of which 700 approximately appeared in charges after I cancelled for poor service and reception and had switched my phone and telephone number to XXXX XXXX.
Consumer complaint received 2019-10-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They  have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX XXXXXXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as XXXX continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and Transunion shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.
Consumer complaint received 2022-09-08
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. (MA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXXXXXX XXXX XXXX  XXXX Date opened XXXX XXXXXXXX XXXX Balance $ XXXX Late Dates XXXX, XXXXXXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX
Consumer complaint received 2019-10-27
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: EQUIFAX, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I have filed several complaints about Wells Fargo about missing funds. Each time their response is please provide us with dates and amounts of transactions. They even sent me a letter via postal mail. Each time I tell them I am unable to provide dates and amounts. I in the past was on the phone with a representative of Wells Fargo admitting in a phone conversation that there were missing funds. I asked if they could provide further information and they were unable to do so. I 've looked through everything even years back before any missing funds and I am unable to see dates and amounts. I request Wells Fargo go and look into my accounts maybe one of their accountants may be able to find the needed information
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

{$21000.00} was the amount the company took me to court. The judge ruled in my favor and stated I no longer owe them and they have no standing and therefore Im no longer in contract with them. I asked them to remove it off my credit report they refused. I no longer owe them or am in contract with them and need help removing it off my credit report. Its affecting me and injuring me as well as infringing on me.
Consumer complaint received 2019-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more th

an seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JOHN GIBSON AUTO SALES, INC. (AR)

My husband and I purchased a truck and camper trailer from John Gibson Auto sales in XXXX AR. My husband was laid off work a few months later and we were unable to make the payments. The truck and camper were repossessed. On XX/XX/XXXX I called John Gibson Auto and asked if they would be willing to settle up our debt with less than full balance and report as such to the credit bureaus. They were willing to work it out with us. The same day I paid the amount we settled on with my debit card over the phone. I received the receipt and letter stating the agreement. I went to our local bank to obtain a loan in XX/XX/XXXX the debt was still showing in our credit. I spoke with John Gibson auto at that time, they agreed to fix the problem. I found it was not correct again on my credit and filled a dispute with XXXX. Again in XX/XX/XXXX we find the same information on our credit report. I reached out to John Gibson Auto again they said the issue had already resolved. XX/XX/XXXX issue is found again on credit report. I have spoke with John Gibson Auto, ( XXXX XXXX ) she said the issue was being resolved. XX/XX/XXXX I received a alert from XXXX XXXX telling me I had a missed payment on my account with XXXX XXXX XXXX which is the finance Co used by John Gibson Auto they are a buy here pay here auto sales. John Gibson and XXXX XXXX are both listed on my credit and only XXXX XXXX on my husbands credit. I spoke with XXXX on XX/XX/XXXX so the issues could be disputed once again. I called John Gibson Auto on XX/XX/XXXX and was told nobody was in the office to take my call I should call back on Monday.
Consumer complaint received 2017-01-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Wilber and Associates, P.C. (CO)

I was involved in an auto accident last year and unfortunately my insurance refused to pay for the damages. Last month I got a call from Wilbur and associates who informed me I owed a debt due to the damages that took place during the accident. The representative I spoke with scared me and told me my Drivers license would be suspended if I did n't pay the bill. I informed her that my boyfriend and I are barely making ends meet, and it would be impossible to pay he debt off. The person I was speaking to informed me again if it was n't paid she would in turn have my Drivers License suspended. She told me in order to avoid that I would need to pay {$900.00} plus per month. Although I agreed to the payment, I in turn knew there was no way my family and I can afford to pay that per month. I was scared, and did n't know what to do and I was intimidated in setting up the payment arrangement in order to avoid my Drivers License from being suspended. I then called a friend to help me and told him I could pay {$200.00} a month at the very most. I also learned that a judgment had to be obtained before my driver 's license could be suspended in the state of Colorado, but they told me it would be suspended by the end of the month. I 'm really confused on what to do. We 're willing to make payments, and they informed us that they would take them, but it would n't stop them from suspending my driver 's license. I also had a friend to help me, and he agreed to call in and speak on my behalf. He called them, and they informed him the same thing. The rep also told him to tell me to open a Credit Card to pay the debt. There 's no way I can do that. I ca n't go into more debt, just to pay another debt. The company refuses to work out a reasonable payment plan and I feel there 's nothing we can do. I feel we 're being taken advantage of and this has caused emotional stress that 's unbearable. We do n't know what to do. If we ca n't drive we ca n't get to work, buy food for our family, and live.
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

I received a call from a debt collector and long story short I asked them to send me the detailed bill if I truly owe. I was yelled at and talked over and was told NO. I need to do the research myself and figure it out the agent was rude and overbearing. I asked them until they could send me out a bill to discontinue the calls because its becoming harassment and he said that they would keep calling until I paid.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-03-10
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: WELLS FARGO & COMPANY (FL)

Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXXt loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXXy adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up XXXX and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )