davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an 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 the records of convictions of crimes crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I start a new job next week. I was asked to create a profile on XXXX. There was a link for Wisely. I clicked it to get more information and it signed me up for a prepaid card that I do not want. It looks like my prepaid card was approved. But I want my direct deposit to go into my XXXX account. Ive already provided XXXX with my checking account information. Please cancel this prepaid card. I reached out to XXXX. But I need a card number to be connected with anyone. 

Again, I do not want this prepaid card or account. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC (CA)

PLEASE NOTE THAT THIS IS A SECOND CFPB COMPLATINT AND IS NOT THE SAME AS MY PREVIUS COMPLAINT. DO NOT LABEL AS DUPLICATE. 

I filed a complaint against Duvera Billing Services since they prevent me to make payments on my account and later sent to collections. I couldn't make payments or even pay off due to their phone and web sites are not available. 
They responded to my previous CFPB complaint with a copy of " Summary of Terms '' and a " Retail Installment Contract '' as proof of the debt, but these are unsigned copies. 

I would like to receive a clear copy of the signed Retail Installment Contract as validation of the debt.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

After returning from a lengthy trip abroad, I promptly notified the credit card company, Capital One, of my new address and phone number. 
However they then froze my account, claiming that me being back in the XXXX was somehow suspicious. 
I've made numerous efforts to resolve their concerns, visited their local headquarters in XXXX, and showed my documents to numerous people at their headquarters, and submitted them via their call center 's web forms as well. 
However they've neglected to restore access to my account. 
They have also refused to refund me a credit balance of around 12 dollars on the account. 
They've refused to tell me the status of a disputed duplicate charge on my account, from a merchant in XXXX, that occurred during the trip, and was promptly disputed. 

And they've been failing to assist me on phone calls now, insisting that they will put me on hold to transfer me, but not transferring me, leaving me on hold for periods of 40 minutes, 132 minutes, 116 minutes, and seemingly simply waiting for the call to get disconnected rather than even make a meaningful effort to assist. 

I have submitted them so much documentation, taken my time, and gas to travel to their headquarters building, and still received no answer as to just what their reason is to make things inordinately difficult. Are they doing it as some routinely poor customer service, or is it do to any particular political activity that I may have been associated with or associated with in the past? 

If I was withholding XXXX dollars from them, for such a length of time, I'd surely hear no end to their dis-satisfaction, but hypocritcally, Capital One has been denying me my refund check, and has failed to inform me of the status or outcome of the disputed duplicate charge from the merchant in XXXX.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

By the provisions of the Fair Credit Reporting Act, I am Sending this complaint to request that the listed accounts below which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Recovery Services, Inc. (HI)

Financial Recover Services, in the attached letter, claimed that I owe in excess of {$400.00} for debt relating to a " XXXX Credit Card ''. I have never possess a XXXX   Credit Card, and this may represent identity theft. If this claim adversely affects my credit rating I would like to seek damages.
Consumer complaint received 2020-01-26
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: EQUIFAX, INC. (TX)

Disputed Item with Equifax/XXXX XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Equifax/XXXX verified as accurate XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Request Equifax/XXXX FCRA 611 letter XX/XX/XXXX & XX/XX/XXXX ( no response ) Sent reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt. XX/XX/XXXX ( no response ) Sent Second Letter reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt XX/XX/XXXX ( no response ) Sent Equifax/XXXX  Final letter before submitting Complaint ( s ) XX/XX/XXXX ( no response )
Consumer complaint received 2021-06-30
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : XXXX, XXXX  Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : 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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have several items being reported to all XXXX credit bureaus, XXXX, Experian and XXXX that's causing severe damage to my credit. 

15 U.S.C 6508- I have the right to opt out on anything on my credit report.

15 U.S.C 6802-6805- obligation and disclosure of personal information 15 U.S.C 1681- permissible purpose ( remove all hard inquires ) * Any charge-offs on your credit report with a 3rd party debt collector means that the item is CHARGED-OFF.

*When your debt is sold over to a 3rd party debt collector, it is then considered as a certificate of indebtedness. which goes along with the 1099c which is now considered as income and INCOME CAN NOT BE REPORTED TO YOUR CREDIT REPORT. 

I have addresses on my credit report that are NON- MAILABLE XXXX told me that that would remove them as well as XXXX XXXX but Experian is refusing to remove the addresses and refusing to tell me where they got the address from, but they are making reports to my credit which is in violation of my rights under the Privacy Act of 1974. 

Items being reported to each credit bureau that I am opting out of, and need removed : 1.Dept. of EdXXXX XXXX ( 3rd party ) - reporting {$1100.00}, {$460.00}, {$1500.00} and {$4800.00} all XXXX items were discharged and are still being reported to all XXXX credit bureaus. 

XXXX XXXX sold over to a third party ( XXXX XXXX XXXX XXXX XXXX still reporting {$610.00} to all XXXX credit bureaus. 

XXXX XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX XXXX still reporting {$540.00} to XXXX and XXXX XXXX 

XXXX. XXXX XXXX XXXX {$1100.00} charged off ( removed from XXXX but still being reported to XXXX and Experian ) XXXX. XXXX XXXX sold over to a 3rd party ( XXXX XXXX XXXX XXXX - {$1000.00} charged off still being reported to XXXX and Experian. 

XXXX debt was discharged, the contract was falsifying information and null, and void due to XXXX never sending over my paperwork to my lien holder which was XXXX XXXX and the company also paid my car off through my SOCIAL SECURITY, got my lien release paperwork, and has been selling my title and was still taking money from my account for over 2 years. They are still calling me harassing me for a payment for a vehicle that is paid off and also had my vehicle reposed and auctioned. Still being reported to all XXXX credit bureaus. 

XXXX. XXXX XXXX-sold over to a 3rd party ( XXXX XXXX XXXX ) {$1000.00} still being reported to all XXXX credit bureaus.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I have tried to TEMPORARILY lift my security freeze and I receive an error message each time. 
The error message says I need to copy that page and send it in the mail with a copy of my DL, Current Address, Utility Bill, Something that has my social security number so I sent my 1099. These documents were sent since they were requested! They have received the documents so why am I still denied access and nothing was mailed to me about my pin. When I mailed the documents to EXPERIAN I mailed it as Certify Mail, and I ALSO MAILED A CERTIFIED COPY TO MYSELF. 
This was mailed XX/XX/XXXX and it's now XX/XX/XXXX. ATTACHED will be the proof! 
I have proof they received the documents requested! And proof that I received the same letter, I certify mailed both. XX/XX/XXXX. 

I NEED TO TEMPORARILY LIFT MY FREEZE AND I AM STILL BLOCKED! 
( RETALIATIONS due to previous complaints ) Experian has my correct name, DOB, SSN, Current Address, and Proof that I am here. They have always known where I lived. 
THEY HAVE MADE NO EFFORTS IN HELPING ME WITH THIS ISSUE. 
I tried again today XX/XX/XXXX to temporarily lift my security freeze and I am still being denied. RETALIATION! 
The error message that I am receiving is requesting for me to do what I have already done on XX/XX/XXXX. I DON'T NEED TO KEEP DOING THIS UNTIL Experian is CONTENT! 
My account should have NEVER BEEN BLOCKED, AND IT STARTED THIS YEAR XXXX. 
I have been at this new address since XXXX. This childish game they are playing has started in XX/XX/XXXX so if they were that interested in SECURING MY ACCOUNT THIS SHOULD HAVE STARTED in XXXX. 
My account should have been corrected or updated 2 months ago and it's a shame they are purposely not helping me? 

I am now going to gather up my complaints and give them to an attorney, I had enough!
Consumer complaint received 2020-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Loan No. XXXX I called Citizens One Home Loans on XX/XX/XXXX and sent an email to advise I was having a temporary financial hardship and requested a loan modification/forbearance. I spoke with 2 representatives that day and they indicated they would mail me the paperwork necessary for my request. I did not receive the paperwork until XX/XX/XXXX. I submitted my loan modification/forbearance paperwork to Citizens One Home Loans XX/XX/XXXX. I also forwarded a partial payment of {$900.00} on XX/XX/XXXX. I submitted another partial payment of {$1000.00} XX/XX/XXXX and plan to pay off the remaining owed by XX/XX/XXXX. I just received my partial payment back in the mail with a request for payment in full no partial payments accepted. I have called Citizens One 3 times just today and no one picks up the phone. I have called 3 of their phone numbers and still no responses. Called several times and no answer. I need assistance in getting a response from this mortgage company. Appears they are purposely not accepting payments or calls in order to foreclose on my property. Please let the records show I have done by due diligence in trying to get this resolved and Citizens One is not responding.
Consumer complaint received 2018-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws XXXX XXXX XXXXccount included in bankruptcy reported on XXXX Chapter XXXX bankruptcy filing on XXXX, Transunion and XXXX
Consumer complaint received 2023-01-18
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. (TX)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX Opened XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance : {$530.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (GA)

I contacted Radius Collection Services on three occasions to work out a settlement they refused to take my money. In addtion, the previous person was not willing to assist me. I have contacted XXXX on the multiple occasions to work out the balance of $ XXXX {$620.00} NEGATIVE
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (NJ)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-01-18
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. (PA)

I have no knowledge of the XXXX XXXX XXXX account nor do I have an outstanding balance with XXXX. The credit reporting agency failed to obtain debt verification as requested.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (TX)

In accordance with the fair credit reporting act Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose
Consumer complaint received 2020-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

The issue is with Kia Finance. Due to the pandemic, I was unable to pay my installments due on XX/XX/XXXX and XX/XX/XXXX. I contacted Kia Finance starting XX/XX/XXXX to request the payment to be deferred and they said they would be deferring my payment to the end of my loan. When I called on XX/XX/XXXX to do the same, they said that my prior payment, which was supposed to be deferred was extended so I needed to call again to request my XX/XX/XXXX payment to be deferred too. After that, I have called and spoke to the customer services agents multiple times ( I am not exaggerating when I say I called more than 20 times ) At the end of every phone call they agents would say that my payments were being deferred without penalties to the end of my loan. I was able to restart making my payments on XX/XX/XXXX so I paid XX/XX/XXXX installment online, as before the pandemic, counting that my other two payments were deferred. My online account didn't say anything about my account being past due. On XX/XX/XXXX Kia Finance called saying that I was late 2 months and I had to make a payment of a XXXX and dollars and something else, and that is not counting the upcoming installment that is due. After more than an hour phone call, they said that now I only need to pay XXXX, that includes XXXX late fees and if I wanted I could call another phone number and ask for assistance at a different department. They expect me to pay this month {$1000.00} to have my account current which include XX/XX/XXXX installment ( XXXX ) that I have scheduled to pay on XX/XX/XXXX and XXXX for a prior LATE payment with LATE PENALTIES, which should have been deferred to the end of my loan without penalties. I called the number provided ( XXXX ) multiple times since XX/XX/XXXX and no one answers, they computer answered and put me on hold for 45 minutes before getting disconnected. 

Today, XX/XX/2020, I spoke over the phone with XXXX ( ID XXXX ) she said that my XX/XX/XXXXpayment was applied to a prior installment, one of the ones I requested and they agreed to be deferred, therefore I am late and I need to pay late fees. After 2:06 hours on the phone she said that she would send a request to have someone else calling me next week.I have heard this before and they NEVER call me back. 


So at this point, I need them to fix my account. I should have those XX/XX/XXXX and XX/XX/XXXX payments deferred WITHOUT LATE FEES to the end of my loan. And if I need to make any payment now, I will find the funds to pay for it WITHOUT LATE FEES. It is not right they are profiting for mistakes they made.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}.
Consumer complaint received 2020-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Resurgent Capital Services, L.P is reporting XXXX collections on my XXXX report only, i already opened a case with XXXX also. 

here is info XXXX/XXXX XXXX XXXX XXXX i request this company delete these accounts off my credit and fix this mistake.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA USA bank app rejected a {$7500.00} online deposit after instructions to sign endorse the back of the check with captured photos of both sides. An over the {$5700.00} monthly limit alert showed and the deposit was unable to process. I telephoned XXXX XXXX employee identification number XXXX at BBVA. She was unable to raise the limit to resolve the issue. Instead I was advised to USPS mail an endorsed check. The matter was escalated with ticket number XXXX. The check and deposit are on hold pending BBVA decision regarding this matter.