davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (FL)

Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX The following inquiries are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX . Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my account has no proof of sending me my funds and I have not received the check for XXXX. They said they expedite the money but only the saving account amount was sent without the checking. The savings was XXXX dollars and some change. They made decision to mail the checking account via XXXX but they have no proof they sent it at all. 

I have not received it they are stalling me. The said if the check was returned then they could resubmit or it would take 120 to issue a new check. 

They are keeping my money for as long as they can. Please help me. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

There are XXXX different credit scores XXXX XXXX, XXXX XXXX XXXX XXXX and euifax credit score after complaint was made ( XXXX ) and credit report shows miss payments for nys child support. I have not missed payment over the last three years.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (OH)

I contacted Experian on Monday XX/XX/2021 starting at XXXX XXXX  EST regarding unauthorized inquires that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor were unwilling to help me.
Consumer complaint received 2020-09-04
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. (TX)

Credit / ID security breach XX/XX/XXXX. Issue resolved XX/XX/XXXX. Experian removed the fraudulent activity from my credit report, but my credit report did not return to the pre-breach score. The stolen ID fraud activity reduced my Experian score by 12 points. After the correction, it increased by only 6 points, which causes my score to dip down below the next credit level by 2 points. Experian refuses to repair or even make a note in my file about the event, which will impact my ability to secure a lower interest rate on a purchase.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (OH)

Hello, I was issued a prepaid card for {$750.00} from my employer with ADPMoneyNetwork, and when I called the number to activate it, there is only XXXX on it. Also, I am not able to register for an account on the website or app, moneynetwork.com. All of the information I entered is correct. 

I called customer service at XXXX and provided my information, then I was told that my birthday information was wrong and I need to send a copy of an ID with a birthdate on it to a fax number, which is XXXX. When I asked why my birthday information was incorrect I was told that I have to send that document or my account would be closed and I would lose my funds. I was just told that my birthday was the wrong month so I needed to send them a document proving otherwise. I never gave them this information in the first place so I don't know how they got it wrong. 

I can not get through to anyone on the phone or on the website.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FC HoldCo LLC (NJ)

My car was repossessed last Thursday night on XX/XX/2024. My car was parked at my mechanics house because it needed to be fixed. It mustve had a tracker in the car that I knew nothing about. I borrowed my friends car because I do have children to attend to and other responsibilities. A payment was made to them on XXXX XXXX which posted on my account in XX/XX/2024. They asked for notarized documents stating that I will not dispute a payment that was already processed and posted. As well as a bank statement showing that it had a positive balance and posted amount. I sent over 3 emails to them with there request and it is still not legitimate enough. They wanted the payment via XXXX XXXX or XXXX XXXX. The account number they gave me didnt match my online account number that I have in my records. That didnt seem right. So I paid online {$880.00} and received confirmation. If I wanted to dispute a payment I would dispute many other payments I made with them! I didnt receive a repossession letter! I made a payment and gave them what they wanted but that wasnt to their liking and I still dont have my vehicle they will not release. My car is getting sent to an auction. I did my part and paid online because I was just a victim of fraud this company is trying to penalize me and my rights!!!
Consumer complaint received 2022-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

There are too many inaccuracies in my report and i have filed disputes with XXXX XXXX on the dates below Equifax - 1st Letter XX/XX/2022 - 2nd Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX falsely claimed that a {$5700.00} company debt is my personal debt in violation of the Fair Credit Reporting Act. This is an act of abuse that I just uncovered by ordering my credit report recently from Transunion Credit Agency. 

There is no evidence that I signed any documents stating that as an authorized signer of the business who took the debt, I was responsible to pay for the businesss debt. There is no such proof that XXXX XXXX can provide since such proof simply does not exist. Instead of pursuing collecting the debt against the business, as the former signor of the business, I was instead pursued. Additionally, XXXX XXXX must provide proof of debt assignment from the original business lender as it can not even pursue a claim against the business without the proper written debt assignment letter from XXXX XXXX XXXX to XXXX XXXX 

This act of abuse is illegal and must stop and a violation of New York State and Federal Fair Debt Collection practices.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CO)

On XX/XX/XXXX, I received a letter of Debt Collections in the mail from American Coradius International LLC requesting a debt of {$380.00} that is now in collections from a fraudulent account with XXXX that was created in XX/XX/XXXX. My legitimate XXXX account has a {$0.00} balance and I had no knowledge of any negative balance or debt owed. I called XXXX on XX/XX/XXXX to report this as fraud and my case is active at the moment. During this call, I learned that the fraudster used my SSN and name to generate an account under an email that does not belong to me. XXXX did not send me any written, telephone, or electronic correspondence to me regarding this account creation, transactions, or debt owed when they had my information on file already from my legitimate account. They failed to protect me as a consumer and exercised gross negligence in preventing fraudulent activity on their platform, evidenced by my case and the countless postings online of the same nature. My time, financial wellbeing, and credit worthiness all have had an impact by XXXX failing to notify me of any new creation of an account or debt owed, and reporting fraudulent activity to a debt collector. I am demanding that XXXX never open any accounts using my SSN or other personal information and that this fraudulent debt be resolved.
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CO)

I owed some money to XXXX back in 2017. They sent my account to a collection agency ( XXXX XXXX ). The latter contacted me and I paid them and the cases was settled and closed. After two years, EOS CCA ( another collection agency ) reported to XXXX that I owed them {$59.00}. I explained to them that I paid XXXX XXXX and the case was settled and closed but in vain. This company has been doing to a lot of people as I read online. I have a bank statement showing I paid XXXX XXXX. By the way this company is out of business as I checked online.
Consumer complaint received 2019-08-09
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. (TX)

I am trying to remove the XXXX  XXXX and XXXX XXXX listed on my credit reports. The XXXX  XXXX was discharged and XXXX XXXX has several duplicates and it has aged out
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (TX)

XXXX XXXX sent me to collections ( Convergent Outsourcing ) for an a box which I returned to their office years ago. They included {$200.00} for the box and {$75.00} for a " Last bill ''. As stated earlier the box is in their office and I don't know how I was being charged {$75.00} for a last bill if the account was always on autopay and when I closed out the account there was nothing due. After years of going back and forth they finally removed the equipment charges on XX/XX/20 but they refused to remove the {$75.00}. I chose to stop fighting them and pay the {$75.00} with the promise that they would delete my collection from my credit because it should've never gone to collections to begin with. On XX/XX/20 I paid this " last bill '' ( I felt I didn't owe ) and they requested deletion of the collection. As of today, this collection is still reporting on my credit and the collection agency and XXXX refuse to remove this.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is regarding the transaction made in XXXX XXXX ( XXXX ) using Capital One Venture VISA credit card ( issued in US ). Both Capital One and VISA confirms that actual currency exchange rate would be calculated when transaction is posted on account. Its not when transaction was made. 

Here are the specific details related to transaction. 

1 ) Transaction posted Date in Statement - XX/XX/2019 2 ) Bank Fee confirmed by Capital one - 0 % 3 ) Transaction Currency- XXXX XXXX ( XXXX ) 4 ) Credit Card Currency - US Dollar ( USD ) 5 ) Transaction Amount- Rs XXXX Issue - Amount charged by Capital One Venture VISA credit card is XXXX XXXX.This amount is {$160.00} more than actual exchange rate. 

I have done some research on this transaction and here is the proof why foreign exchange rate is inappropriate- 1 ) Upon entering above 5 details on Foreign Exchange Rate Calculator on VISA website, amount charged should be $ XXXX This conversion by Visa is WRONG. ( Attached screenshot for more details ) Web link - https : XXXX 2 )  Upon entering above 5 details on Foreign Exchange Rate Calculator on MASTERCARD website , amount charged should be {$7600.00} This conversion by MASTERCARD is  correct and is very close to exchange rate searched on XXXX. ( Attached screenshot for more details ) Web link - https : XXXX As VISA is using inappropriate currency exchange rate I need to pay around {$160.00} more for single transaction. 

I talked to Capital One and VISA both and they delegate the question to each other and no one is taking the responsibility of this issue.
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I paid of my loan. I was charges fees and it was paid. There were guidelines set in place for companies not to charge fees during the pandemic. I was charged fee after account was paid. I continuously asked for fees to be removed from my account for months. After numerous complaints and no resolve I settled with the company and paisd the paid the balance of fees I did not owe. I was told the account would be deleted from my credit file. I have provided letter of payment to experian and was told it would not be removed. The company ( Ad Astra recovery service ) told me the information would be removed once account was XXXX balance. Its not fair to me to have not owd the amount of fees and then have it placed on my credit report, after paying the balance it still not being removed from my file as agreed by the company.
Consumer complaint received 2017-12-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (WI)

I have missed payments listed on XXXX student loans. Each time these so called missed payments have appeared on my credit report, I called the loan department to find out what happened as I was signed up for automatic payments. Each time I called, I was told it was an error in their own system and that the missed payments would be removed. Whenever I tried to call back because the late payments were n't removed, I was told to be patient. I have sent a written request to their credit reporting department, which was denied. I have put in a dispute with the credit beaureus, the results state that the item was fixed, but it still has not been fixed. The missed payments are still there.
Consumer complaint received 2020-09-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is the 4th time I am disputing the medical collection account for {$380.00} with XXXX XXXX XXXX with Experian for multiple violations of the FCRA. 
**I have disputed this myself each time, and still am, and there is no 3rd party or credit repair service involved in this request. I, XXXX XXXX, affirm that I am submitting this dispute complaint on my own behalf. 
Violation # 1 ) XXXX  will not provide proof of this alleged debt, yet continues collection activity and credit reporting, and verifies as accurate when disputed. 
Violation # 2 ) Experian has failed to perform a proper investigation. I have disputed this debt three times with Experian, who is now dismissing this request as frivolous and continues to allow reporting of an alleged debt that can not be validated.

Violation # 3 ) There can not be a Past due amount reported on a Collection account, yet my report shows Past due {$380.00}.

I have disputed this Medical collection debt multiple times with XXXX and asked for validation, and have filed a CFPB complaint against them. ( see attached ). As of XXXX, I still have not received proof of this debt, nor a copy of the original bill from the original creditor. 
I have also contacted the original creditor, XXXX  XXXX, and they have no record of this debt. 
I have disputed this debt with Experian multiple times, and have filed a CFPB complaint against them. I have also sent copies of all my dispute correspondence with XXXX to Experian several times now, as proof that I have already disputed and attempted to resolve this on my own with CMRE with no success. 
I have also requested XXXX Method of Verification regarding this debt on XXXX, with no reply. 

This is the last time I will ask for removal of this account from Experian. If this account is not deleted from my report within 15 days of receipt of this complaint, the next correspondence will be from my attorney. IT IS ILLEGAL TO CREDIT REPORT A DEBT THAT THERE IS NO PROOF OF. 
**XXXX  has already removed this account from my credit report, but Experian will not. See attached confirmation.
Consumer complaint received 2023-01-17
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)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello I would like to report Capital One Bank. They are purposely and intentionally manipulating my bank account. I can no longer make withdrawals from an ATM. If try to make a withdrawal from an ATM it will diplsay a negative balance but when I go to the official Capital Bank Office I would get a positive balance. Also the bank will put a cap on how much I can spend when I have sufficient funds in the bank. This is a reflection of my past complaint. They are regulating how much I can spend when I have sufficient funds in the bank.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NC)

I initiated a transaction for a few hundred dollars on the end of Wells Fargo. The payment posted but The payment later disappeared off of my account. The payment was not pending, it was completed. Wells Fargo initiated a three way call with my other bank, XXXX XXXX to ensure the funds were posted and completed. XXXX XXXX confirmed this and provided a trace number, quoting it may be stuck with the federal reserves. Wells Fargo is telling me that the removal of funds is illegal on their part and they would work diligently to fix it. They have been extremely helpful but partly I feel as though this is done because they understand they are in the wrong. It was later confirmed that the funds were showing in their back office but for some reason it was not posted as fund received even though XXXX XXXX confirmed funds were sent. They escalated the issue because it may be a  system error. I have heard of illegal wellsfargo activity in the past and I just wanted to know my options or at least whistle blow when I notice illegal activity. I believe light should be shed on this issue. It has been three business days. I posted the amount that was taken from my XXXX XXXX. His also caused overdrafts in my Wells Fargo accoun