davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is 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 to 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 wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2017-12-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (PA)

I filed a complaint on XX/XX/XXXX case number XXXX. On XX/XX/XXXX the company, Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX responded that they would release my title within 15 days of payoff. My loan was paid off on XX/XX/XXXX and I still not received the title.
Consumer complaint received 2021-10-19
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: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

My Identity was stolen, and a person unknown to me opened an account with HSBC Bank. I have informed HSBC Bank, that I did not open the account, and the unpaid balance on the credit card, is not mine. However, they are not paying attention. They continue to report to the Credit agencies, that I owe them money. Hence, my credit score is severely affected.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

Applied for a Chase Visa and was denied due to negative history with JPMC so I called and they said I had opened a XXXX Visa in XXXX, ran up balance to $ XXXX, then never paid it and it went to collections in XXXX. 
I have never had an account with Chase in my life, They told me to contact an XXXX XXXX where they apparently sold this debt or wrote it off. That company no longer exists so I cant even dispute it with them. Chase insists they can not remove this despite my repeated attempts to contact them about it. They have my current address noted on the account as well but Ive only lived here 2 years. This debt has never been on any credit report ever. Only seems to be in Chases system and a complete mistake. Ive purchased homes and vehicles and monitor my report and this item has never been present until now when I applied for and was denied credit.
Consumer complaint received 2021-10-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (WA)

I bought the double door oven on XX/XX/2021 for {$2100.00} in XXXX XXXX store in XXXX Wa. They offered credit though American First Finance bank .When I was in store I didnt not received any contract on hand and they told me you will received by email. I did not received by email any contract and after 9 months of payments for {$350.00} so total amount that I paid already {$3200.00} I contacted American First Finance and asked why you charging my card if I already paid {$3200.00} they told me did you see contract I told I never received and my English is limited and I ask for translator but they told they dont have translator. Then they send me contract on XX/XX/2021 and it was the first time I saw contract on XX/XX/XXXX. I was surprised and really upset because I need to repay back not just XXXX but final amount will be {$8600.00} and I dont remember that I sigh anything electronically and if it was signed why I did not receive copy of contract in store.Why nobody explain in store that I need to repay in 100 days full amount plus early repayment fee. Why I did not receive contract in store when I can see all detail and I why when was asking for translator but never was provided. I need your help to solve this problem.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On/around XX/XX/2017 my Capital One credit card ( XXXX XXXX ) was fraudulently charged 3 times by some one ( XXXX XXXX ) ( not known to me ) who got a credit card ( XXXX ) issued to her as an authorized user of my credit card. 

She had the credit card ( XXXX ) sent to her at an address in New York, ( my address on record with the bank is in Massachusetts ) and there she charged the card several times. I was advised by the bank ( Capital One ) that the person pretended to be me by presenting herself over the phone or on-line. Capital One case # XXXX. 

Following several discussions with the bank/credit card company I am NOT satisfied with their identification checking process such as using my on-line access information ONLY ( with no follow-up with me, such as sending a verification code to my mobile phone, or a message to my e-mail etc. ) about verifying the authenticity of such fraudulent activity. Also, the bank has been very un-cooperative in reviewing or changing their current practice in this regard. 

Request that you kindly investigate the bank 's practices in this regard, and insure that the bank has proper security systems in place ASAP and that they perform due diligence in order to safeguard customer data and prevent such unauthorized access to such data, and issuance of fraudulent credit cards.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have unauthorized inquiries on my credit report and I been a victim of identity theft. I sent several dispute letters by certified mail and they have failed to delete this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-04-26
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. (OH)

Attached you will find screenshots of 15usc1681a I need all inquiries deleted permanently from my reports as well as any closed accounts and information that is not updated on all 3 bureaus the same way This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX And any other information that goes against the consumer me
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureau has the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any notice of collection
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX the credit I received from An unauthorized charge was reversed. This charge was initiated on XX/XX/XXXX by XXXX XXXX XXXX. I was not informed that I had an appointment that day and I was told in a voicemail, which I still have, that my credit card information was not on file. I did not sign a contract with this merchant or give them permission to charge me for a service. Wells Fargo acted egregiously in this matter, reversing the charge when my account balance was already low to charge me for overdraft fees.
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (CT)

I have been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Medical Administrators, Inc (CA)

Hi, I received a collection notice letter yesterday ( dated XX/XX/20 ) from a National Medical Administrators , Inc with a {$150.00} debt collection from a company called " XXXX-XXXX  XXXX  XXXX. '' No further information regarding what this debt is for was provided. Ref # : XXXX and creditor acct # XXXX were included in the notice. Is this a scam? Please help me with this issue.
Consumer complaint received 2021-04-09
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. (CA)

Report Number : XXXX The investigation and results you conducted do not abide by the FCRA or TILA therefore you must remove these accounts immediately.

Experian you cant keep " updating '' unverified, fraudulent, and incorrect information. I have had enough, this has been going on since XXXX of 2020. 

To begin with the information being reported by these creditors does not match my personal information, that alone should be enough to delete these accounts. Why has I taken Experian 6 months to understand? 

Remember an account must be 100 % verifiable in order for you to report it, yet you are reporting inaccurate, unverified, and fraudulent accounts? 

How are you certifying these accounts are true? Why are you not following section 314 of FCRA and providing all required information? 

Experian, I dont have time for your games, you are wrong, you have surpassed the investigation window timeframe by a few months. 

Stop wasting my time and money and damaging my credit report. Experian has caused serious damage to my credit report by reporting incorrect accounts that do NOT belong to me. 

Delete this nonsense and stop wasting my time and damaging my report. 
Experian you have violated the FCRA, FDCPA, FCBA, and TILA.

Experian has violated Sec. 314. Improved disclosure of the results of reinvestigation. 

Experian you certified the information is correct when its not. You cant keep updating fraudulent information and sending me the same dispute results that against the law. Stop saying these are certified they are not and do not belong to me delete these accounts already.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In XX/XX/XXXXI received a Loan from XXXX XXXX for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was T-boned by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with XXXX to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with XXXX because I had GAP insurance, they were contacting XXXX but XXXX did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and XXXX would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stevens Business Service, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2020-12-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (TX)

I'm in the process of obtaining a loan with DHI Mortgage, the in house lender for DR Horton. The appraisal did not meet value and the lender is insisting in waiting for another appraisal to be completed in order for me to close on the house. I'm literally homeless after the XX/XX/XXXX and the lender is insisting in having another appraisal completed. I have been under contract for over 6 month with this situation. The home is ready and I have been promised to close several times and no closing yet.
Consumer complaint received 2021-10-19
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: SYNCHRONY FINANCIAL (GA)

THERE ARE 3 SYNC BANK Unauthorized inquiries COMPANY NAME SYNC XX/XX/2021 COMPANY NAME SYNC XX/XX/2021 COMPANY NAME SYNCB/TJX XX/XX/2021 I HAVE 1 COLLECTIONS COMPANY NAME XXXX account that is fraudulent.I have contacted the company. I was informed that this was a loan taken out in my name, I have never received funds or anything. I have spoken to this agency twice. 

Company name SYNC XX/XX/2021 Company name SYNC XX/XX/2021 Company name SYNCB/TJX XX/XX/2021 Company name Uplift account XX/XX/2021 2021
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company sent me a letter stating that the attached account would be removed from my credit report and its still not removed. I want XXXX act # XXXX removed from my report within 72 hours of receiving this complaint. All documents attached.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2014, XX/XX/2014, XX/XX/2014 ), also I was never 60 days late ( XX/XX/2014, XX/XX/2014, XX/XX/2014 ), and I was never 90 days late ( XX/XX/2014 )
Consumer complaint received 2023-01-18
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. (SC)

Equifax On ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I Equifax you to investigate items that I believed were reporting not 100 percent accurate on my credit report. The following account was in dispute : 1. Collection Account : XXXX XXXX Account # XXXX According to the comment section of my credit report this account was charged off on XX/XX/XXXX. However, the payment section of this account is reporting this account was charged off on XX/XX/XXXX. There is no way this one account can be charged off on two different dates in two different years. Please verify you are reporting 100 % accurate information if not please delete this account from my credit report. In addition, the IRS defines a Charge off as a debt that is forgiven or discharged for less than the full amount you owe. According to the IRS website, charged off debt or a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation. I have never received a Form 1099-C, Cancellation of Debt, or any other forms stating that this debt is charged off.

In addition, Equifax is still reporting addresses on my credit report that are undeliverable to me by the United States post office : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I recently requested my credit reports and discovered that Capital One has been incorrectly reporting information about a charge off account. There are 50 instances of 90 day late payments. This is FALSE. I disputed it with them via CFPB and they deny that there is any wrongdoing or inaccurate information on my credit report. They quoted 2 dates as being correct and used those two dates to justify the inaccurate information. As of today, XX/XX/XXXX, my credit reports are showing that the last payment was in XXXX. This is false. They acknowledged the account was closed as a charge off in XXXX but deny that the last payment in XXXX is incorrect. I made no such payment and request it be removed immediately. Capital One has refused to work with me during my hardships and consistently neglects to inform me as a consumer of my rights in these situations. In XXXX I was a single mother, also XXXX, and in XXXX school and had less than suitable living conditions. I moved out of state for a better life and repeatedly asked them to work with me on payments which they refused. Since that time I've been working hard at bettering my credit and making the best financial decisions but the damage that Capital One is doing to my credit report is irreparable. I am asking again that the correct last payment be noted on my account which was before the account was closed in XXXX ( logically ) and NOT in XXXX as it currently states. I did not make any payment after the account was closed in XXXX. I have attached files to show that no such payment was made. Capital One has also reported to XXXX  that I have 90 days late a total of 50 times. This is completely reckless and has done absolute and total damage to my overall credit. My next step is litigation.
Consumer complaint received 2024-02-26
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (CA)

I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.