davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX I sent a letter to Midland funding disputing a XXXX account that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in XXXX days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. On XX/XX/XXXX I received the attached letter from XXXX stating that they have opened an investigation requesting appropriate documents and I have heard nothing from them since. 

This account has been deleted from my credit report XXXX times since then and placed back on my report, affecting my credit score each time. Based on the FCRA and FDCPA once an account has been removed, I should be notified 5 days prior to the account being placed back on my credit reports. 

In addition, Midland Funding has not provided me with proof of documents bearing my signature in the requested 30 days. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

My belief is that they were not able to validate the debt and decided to remove the debt from my reports. They would not be able to validate the debt, because it does not belong to me. 

I believe that my rights have been violated and I would like immediate action taken. 

In addition to this CFPB complaint, I will be filing a small claims XXXX XXXX Midland Funding as I was recently denied credit because this account appeared back on my credit report and dropped my credit score XXXX points.
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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 had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : DEPT OF EDUCATION/XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX XXXXXXXX Late Date XX/XX/XXXX
Consumer complaint received 2018-06-29
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: EQUIFAX, INC. (FL)

this address was used by idenity thieves, using my XXXX credit card and then tring to open other accounts, it is still on my EQUIFAX report. Filled out a despute form and address is still on.It was taken off other sites. XXXX XXXX XXXX. XXXX FL.XXXX
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The last letter I sent to company XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Experian, XXXX. XX/XX/XXXXXXXX XXXX, TX XXXX ACCT # XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. The US Dept of ED/ XXXX serviced byXX/XX/XXXX was reported inaccurate. Information reported wrong dates, and the amount the servicing company is no longer in business to verify- This debt was paid in full in XXXX, and continues to be on my report. I called the Federal Student Loan Depart who confirmed that there is no contact available for the servicing company - Experian reported that the information was reported that it was verified. I have - This is also being cleared with XXXX who also reported this information with inaccurate information in XXXX - This information is not reporting with 100 % accuracy. I am requesting that the item be removed. Copies of inaccurate information and enclosed documentation reporting the wrong dates in supporting my file - Please reinvestigate these matters and delete or correct the disputed items as soon as possible. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

I booked a hotel room at  XXXX   XXXX  for  XXXX / XXXX / 2017 . I canceled the room and got cancellation letters with a cancellation number. I was charged {$150.00}. I am still being charged after the cancellation. My credit card compan y, Wyndham Rewards Visa, opened a dispute case and closed it, stating that I stayed at the hotel. They ar e denying to take the charge off of my account. Their statement is n't true and I have provided them the prove that their statement is n't true.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation (TX)

I HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America added {$780.00} credit on XX/XX/XXXX and didn't leave the post saying there was {$780.00} credit and using XXXX {$770.00} purchase saying I owe for the XXXX purchase even though the XXXX purchase was done on XX/XX/XXXX. They changed the transaction dates and missing the {$780.00} credit saying I overdrafted instead.
Consumer complaint received 2017-08-01
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. (MS)

On XX/XX/XXXX Confirmation number XXXX I disputed the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As noted on the attached documents, as of XX/XX/XXXX they had not completed the investigation. I sent them a letter XX/XX/XXXX stating that the investigation has passed the 30-45 day investigation timeframe and they immediately changed the results to completed. I never received a letter stating the results. As you can see from the computer printout, they did not complete in a timely manner. I have also included a screenshot of what was disputed on that confirmation number.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2016 I received an email at XXXX that my Citi XXXX XXXX credit card was compromised. The company stated that they would re-issue me a new XXXX for my security. I was able to use the one I had in my possession until the new XXXX came in. On XXXX XXXX I tried to use my credit card at XXXX of the merchants I usually purchase from and the card was declined. I called customer service and was told that my account was completely closed as of XXXX XXXX and they could not give me any more information. I was told to wait until a letter arrived in the mail from them. I called back later that night and told them that I had {$8200.00} accumulated in my cash back rewards that I had been saving throughout the year. I was told since they closed my account that I forfeited the amount I had been saving. I have never had a missed or late payment. I have been to a Citibank branch and have called numerous phone numbers and have not received any help in resolving this situation. All I hear is " wait for the letter '' and as of XXXX XXXX I have not received any letter explaining the closure of my account.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (KY)

the past feww months when making a payment on my aspire credit card, i go to make my payment because i closed the account i had to make payments from, i use my checking account to make the minimum payment, i hit the make minimum payment amount, and it submits successful, then i checked and it says a few days later that i was assessed a XXXX dollar fee for returned payment for like XXXX centsfrom old closed checking account, so in short i hit the make minimum payment and pay from my checking account they have on file, it makes a payment ( it's supposed to be the minumim amount ) it goes through then on the daate the actual payment is due they try to charge me like XXXX cents for an autopay and i have already made minimum payment
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MN)

Spoke to XXXX XXXX with Rocket Mortgage on XX/XX/2020. She declined my Mortgage application without verifying. My income and expenses were not properly verified and she rejected my application and did not call me back. She has caused damage to my credit and did not verify correctly.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I booked a trip through XXXX on XX/XX/XXXX of last year to go on a trip for 4 to XXXX, XXXX on XX/XX/XXXX. The whole trip including flight, airfare and hotel was {$35000.00}. XX/XX/XXXX XXXXurricane Dorian ( category 5 hurricane ) hit the XXXX and sat there for several days destroying the islands, hotels and the airport was under water. Flights couldn't go in or out for weeks. We decided to cancel our trip on XX/XX/XXXX as no flights were going in or out of the country. We then received a notice from XXXX that we would only be credited {$1000.00}. They charged us {$100.00} cancellation fee for the hotel room even though the hotel didn't exist anymore and told us our flight was non-refundable. I immediately contacted Capital One to dispute the charges as I had paid with this card. Capital One reached out to XXXX and XXXX advised they would give us a flight credit with XXXX XXXX that had to be used by XX/XX/2020. Capital One then dropped the dispute and closed our case. In XXXX of this year we began planning another trip to use our flight credits with XXXX XXXX before they expired. That's when COVID happened and XXXX closed its doors. Their website said to dispute the charges with my credit card company but because I had already done that months before it's Capital One 's policy not to reopen the case. We also contacted XXXX XXXX but they said that XXXX  still had our funds and there was nothing they could do- it had to be handled with XXXX . Now we're out an additional {$2400.00}. Please help us resolve this ASAP.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts and inquiries are not mine, I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts and inquiries without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-08-22
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 (OH)

I received a Capital one statement reflecting a balance of {$520.00} of which {$500.00} was my credit limit and {$23.00} were late fees. Payment was due on the account XX/XX/20 in which I paid {$500.00} on XX/XX/20 on XX/XX/20 there was a intrest applied to the account. I contacted Capital one to inquire, I was told the intrest was applied due to my outstanding balance. Balance needed to be paid prior to XX/XX/20. I was also informed that my payment of {$500.00} was being held for 7 days and would not reflect as paid on my account. Which is why intrest charges incurred even though my payment was received. I was told by 2 account representative as well as supervisor that because I paid my balance in full they would hold it for 7 days even though it cleared my financial institution without any issues. I have used the same method of payment since the credit account was established and the same amount monthly for 2 years. This is unlawful
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was informed by my tax preparer in 2019 that my personal information was lost during a business relocation. I was advised that she had made the necessary steps to report the incident to the authorities, and was advised to monitor my credit report and accounts going forward. I recently pulled a copy of my credit report and I see accounts and inquiries that I have not authorized nor any knowledge of. The accounts include : XXXX and XXXX XXXX XXXX XXXX. I also see credit inquiries made from XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have no relationship with these creditors. 

I've contacted the credit bureaus twice via mail and once by mail attempting to get this resolved. I have yet to receive a formal response I have the right to privacy and reporting accounts without my written consent is in violation of 15 USC 1681B Also furnishing accounts that in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that any address listed that I've never resided be removed from my credit report.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I did a check online on XXXX XXXX on XX/XX/XXXX and saw where Bank of America had recently reported my Home Equity Line of Credit as charged off. This is an account that I have been paying on monthly, never missed a payment and only to run a report on my credit and found that XXXX dropped my score by over 100 points and XXXX cancelled one of my credit cards because of this false report. I made an inquiry with Bank of America and they sent me a reply today, XX/XX/21 that the report that have posted is correct. However, I have been paying my bill monthly and have never been late. Please investigate this matter for me so that I can have this derogatory remark removed and my credit score corrected. Bank of America reference number is XXXX XXXX.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Credit bureaus are not updating information from creditors in a timely manner nor scores are updating even after on time paid accounts with decreasing in balance. I dont feel Im being credited fairly for payment performance to creditors. I feel this is some type of credit discrimination. We the people count on these credit bureaus to update an be accurate In a timely manner. Disputes are going unnoticed as well. Please ensure the credit reporting agencies are doing their job in a fair way towards consumers. Thank you
Consumer complaint received 2020-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Date : XX/XX/2020 XXXX : {$1200.00} Action : I requested to cease all collection activities if they could not show proof of validity and to verifiable physically the documents to show if it belongs to me.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-07-21
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 (FL)

I am writing to request an investigation be done about this dispute and complaint. I have four unlawful and unauthorized charges that Wells Fargo enacted on my business checking account in XXXX. The four charges are two concerning case number XXXX on XX/XX/XXXX for the amounts of {$120.00} Legal order fee and {$6400.00} legal order debit to the Florida Department of Revenue. The other two charges are concerning case number XXXX on XX/XX/XXXX for the amounts of {$120.00} Legal order fee and {$1300.00} legal order debit to the Florida Department of Revenue. All four charges were initiated by Wells Fargo claiming to be under the premise that a legal order that was filed but when checked the clerk of courts has no such order that exists. The only documentation Wells Fargo has provided is a document they received via the Florida Department of Revenue titled notice of freeze. This document does not lawfully extend any authority for Wells Fargo to remove funds without my permission. It is clear they have violated my right to due process. It is my understanding that if Wells Fargo needs to refund my funds immediately.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I received a letter in the mail stating that I had a bounced checked that came back. I called the bank and they stated they would investigate it. The check was written out XX/XX/XXXX. 

I have been receiving letters of credit denial, someone also has been trying to run my credit to open new accounts. 

XXXX XXXX XXXX XXXX XXXX Best Buy XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello. On XX/XX/2020 I wrote a letter to Transunion to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

There has been no consent for this collection agency to furnish derogatory information on my consumer report. They had no right To buy and use my consumer report information from another debt collector and they have not validated the alleged debt with the original document showing the original creditors contract. 


Below are Federal Codes in which have been violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Consumer complaint received 2021-03-02
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020