davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

An unauthorized credit inquiry was mad on XXXX by Capital Once 3 times so far on XXXX. 

Location XXXX CAPITAL ONE XXXX, VA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022 Additionally, another was made on XXXX with XXXX XXXX XXXX and their automated message system automatically goes to unauthorized credit inquiries as if this was intentional or expected? 

Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed a loan XX/XX/XXXX Company Name XXXX XXXX, Balance XXXX and it was found to be in my favor XX/XX/XXXX and it was removed and all negative things with it .Then i notice it back on my account XX/XX/XXXX then i called transunion at XXXX on XX/XX/XXXX to inform them that i was not notified about the information getting put back on there 5 business days, and i also informed them that under FCRA section 611, they said that it's not what they do they can't remove it and ill have to wait till XXXX till it falls off. Disregarding the law and choosing not to correct the problem.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (CA)

Received debt collection letter from Hillcrest Davidson on XXXX for {$220.00}. 
This is a false billing. I had alarm services from XXXX XXXX for several years for which I paid them hundreds of dollars. In XX/XX/XXXX I emailed them and asked them to discontinue services. I received no response. In XX/XX/XXXX my credit card company stepped in and called the company.The credit card company was told I couldn't cancel service. The credit card company arbitrated the dispute and decided to cut the billings off. I called XXXX to discuss, and their rep lied to me saying he had no supervisor. He told me I could not cancel service. There is no signed contract. XXXX made numerous calls including from phantom phone numbers to get me to pay for services which they did provide and I told them did not want after the credit card company arbitrated in my favor.
Consumer complaint received 2023-02-07
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. (GA)

Why are you indicating that XXXX XXXX XXXX XXXX # XXXX was 120 days late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. How is this even possible? I couldnt possibly be 120 days late 2 months in a row. In addition, How are you sure the highest balance is accurate? Both XXXX XXXX Transunion are displaying {$0.00} highest balances. I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (FL)

on XX/XX/22 I purchased a money order from western union at a XXXX for {$300.00}. I accidentally endorsed it in the back instead of signing on the purchasers signature line. I called and the money order was traced and confirmed which is what the website advised to do even though I was clear with the agent on the phone that the money order was in my possession I just wanted to get my money back and need guidance on the process. They advised to go online and file a refund request form which I did and sent all proof needed. it stated I should get a follow up within 30 days ... its now been over 3 months and nothing.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

In early XX/XX/2020 I reached out to Gregory Funding for mortgage loan assistance related to the Covid19 pandemic. I was offered and completed a loan modification application. After some sporadic communication I reached out via fax in XXXX and XXXX to request a call back. I received a call that the application was in process. 

On XX/XX/2020 I received a letter that the modification was declined. 
On XX/XX/XXXX I requested the review the modification because the income information they verbally told me they used on the phone was incorrect. I sent the reconsideration letter on XX/XX/XXXX. XXXX XXXX was my single point of contact but they do not and have not provided me my SPoC 's phone or email address. 

On XX/XX/2020 I called in ( a Thursday ) I was told that the modification was approved and " I would receive details by the following Thursday at the latest ''. 

I have not heard or received anything since then. I've called and was on hold for 44 min and when I spoke to a rep I was again told someone would call me back with details. 

On XX/XX/XXXX I sent another letter again asking for an update on the modification as it's been 3 months. 
I sent yet another letter on XX/XX/XXXX again asking to please update me on the status of the loan, by mail, phone or any way at all. 

To date I have not heard anything back from Gregory Funding since XX/XX/2020. I do get the monthly statements but no update on the modification
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MI)

XX/XX/XXXX AMOUNT I DO NOT OWE IS {$1800.00} AND XX/XX/XXXX AMOUNT I DO NOT OWE IS {$670.00}. THESE AMOUNTS WERE ILLEGALLY PUT ON MY CREDIT REPORT BY XXXX XXXX ( {$1800.00} ) ALSO MIDWEST RECOVERY SYSTEM ( {$670.00} ) MY CREDIT REPORT HAS BEEN DISRUPTED BECAUSE OF THE FALSE IMPLICATIONS OF THE AMOUNT OF MONEY I DO NOT OWE. 
I AM BEING HARASSED BY THESE PEOPLE AND IT IS NOT RIGHT.
Consumer complaint received 2015-07-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DISCOVER BANK (IL)

DISCOVER BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.
Consumer complaint received 2023-02-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

The account is : USAA FEDERAL SAVINGS BANK- SAN AN # XXXX USAA approved a car loan in the amount of XXXX, and an individual that was not me retrieved the check and used it ; based on my investigation, the information listed on the check was not my name, but my social security number was used for the credit approval of the loan. This has been removed from my credit several times but continues to reappear. I have never signed any documentation and didn't apply for this loan. This account is fraudulent.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted TransUnion two times in the past three months because they are reporting two ( 2 ) inaccurate hard inquiries from XXXX although a FTC report reference # XXXX was submitted on XX/XX/XXXX. The hard inquiries were made by XXXX XXXX XXXX and XXXX XXXX. In every letter that I have sent to TransUnion, I have asked for proof that verifies that I authorized those inquiries back in XXXX. I also asked specifically for their METHOD OF VERIFICATION, a description of how the investigation was conducted, along with the business name, address and telephone number of the furnisher. TransUnion has not provided any verification although I have requested such in every communication I have sent ( proof attached ). They have not responded to my last correspondence from XX/XX/XXXX. I feel my rights my under the Fair Credit Reporting Section 611 ( a ) ( 6 ) and ( 7 ) have been violated by not providing a method of verification. My credit worthiness has been highly affected by TransUnion.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

PLEASE REMOVE THESE ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT XXXX/XXXX  Account Number : XXXX hereby demand substantiated proof of this alleged item, including the contract, note, or any other instrument bearing mysignature. Failure to provide such evidence will necessitate the immediate removal of this item from my credit report. Thiserroneous and incomplete information constitutes a grave error in your reporting, and I insist on its removal. Furthermore, XXXX you to promptly furnish an amended credit profile to all creditors who have accessed it within the last six months ( orthe last two years for employment purposes ).

In addition to rectifying this situation, you are required by federal law to complete your re-investigation within thirty ( 30 ) days. I also request that you promptly provide a detailed explanation of the procedure used to verify the accuracy andcompleteness of the information within fifteen ( 15 ) days of concluding your re-investigation.

Please be aware that I am not interested in receiving stall tactics or evasive responses. I am taking this matter seriously andexpect immediate and forthright action on your part. Failure to comply with these demands will result in further legal actionsto rectify this situation.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit System XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of ( {$10000.00} ) the collection has been reported as past due ( XX/XX/2018). I do not know this company. I have never done any business with this company. This company does not have a binding contract with my signature on it from their company.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have informed TransUnion that they violating the Fair Credit Reporting Act as it pertains to them reporting certain items on my consumer report but they are the masters of violating the law and pretending as if they don't understand whats going on so I'm sending this Affidavit of fact as my last attempt to reason with them. After this I will just have to take them to Federal court. I have also sent my previous communication to TransUnion and when it was received by TransUnion to show that I have tried to get this matter taken care of.
Consumer complaint received 2020-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

For account ending in XXXX. Last for of the card is XXXX. XXXX  sent an incorrect statement to Capital One about my application being a fraud account when I did not report that. Capital One closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for XXXX  and XXXX to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called Capital One on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to XXXX  as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (CA)

I have a Wells Fargo Bank credit card for about XXXX years. I was reviewing my charges, when I notice a protection charge in case of unemployment. I call Wells Fargo Bank customer service for a explanation. The customer service indicate to me that they could not help me that I had to call the protection company. Furthermore, I receive a letter about XXXX week later canceling the program and refunding XXXX for 8 months and that I had agree to the product, but did not show me prove that I authorize or apply for the product. However, I have been paying for the product for 15 years. I had XXXX for XXXX in XX/XX/2015 and wells fargo bank never indicating to me that I had that option available to me..
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollins & McVay, P.A. (TX)

A debt collector with a return address of XXXX, KS has been sending collection notices regarding a judgement in some court in Kansas regarding a debt owed to a bank in Oklahoma. I have twice requested certified court documents to verify this judgement that the collector claims has been rendered in favor of the bank in Oklahoma. This collection agency ( initially named H. Kent Hollins and now is going by the name Hollins & McVay , P.A . ) since being located in Kansas and attempting to collect a debt from a Texas resident, myself, is required by Texas law to be registered and bonded through the Texas Secretary of State, which they are not. This has been brought to the attention of the debt collector and they continue to send collection notices.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

Information being reported to credit bureaus and attempting to collect debt without a HIPAA release of information form for my medical records from myself. They are violating federal law with out this form. I contacted them about it and then they attempted to get me to sign a release of information form after they have already received the collection account.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OH)

XXXX XXXX  XXXX, where I hold two checking accounts, charges a {$15.00} fee for excessive transfers. When I opened my accounts, I transferred money BETWEEN these two accounts and learned of these fees the hard way. The bank explained, and refunded them, however the local banker and the phone bankers differed in the amount I was allowed to make ( one said 3, the other said 7 ). Ok so lesson learned, right? 
Apparently they also consider PURCHASES MADE VIA XXXX as the very same kind of " transfer ''! This was not only something unknown to me, but I didnt realize this until they charged me FOUR MORE TIMES - {$15.00} EACH - for what I discovered were my XXXX transactions as I had drastically reduced my transfers after the limit was explained. 
Again - I made TRANSFERS and was charged these fees, then they were refunded. 
I did not know a XXXX purchase/payment was considered the same. Nothing anywhere said that. 
This is the summary, however it has now been three months since Ive requested a refund ( and disconnected my XXXX account from them ) and they are giving me the runaround. This is unacceptable. The last contact was XX/XX/2018 when XXXX XXXX advised she needed special permission to refund the fees. 
Please remember, there was no " bargain '' here - I did not request, nor did I expect any separate service not promised to me by this bank. Their actions would be much more heinous if i were poor - but every bit as wrongful in my case. 
XXXX Note : They also charge {$3.00} a month for paper statements BY DEFAULT for new accounts - and dont give any clear instructions on how to prevent this - I had to go into the branch and be shown where to click a button to stop it - pilfering! )
Consumer complaint received 2016-07-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: DISCOVER BANK (FL)

I have been targeted by Racketeering & Identity Theft Fraudsters who have stolen my exempted social security XXXX income at a XXXX XXXX Bank by Malicious Prosecution in violation of the FDCPA.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (AR)

I purchased several prepaid Mastercards and I am unable to log into the website and verify the balances on the cards. Also, I am unable to register the cards. A vender tried running the cards and ALL were declined. Calls this date to customer services to notify them of the website issues were ignored.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

The current account on my credit report is not mine I am a victim of ID theft I have sent an ID Theft Report this company has chosen to ignore my proof. They are blatantly disregarding FCRA and FDCP statutes
Consumer complaint received 2018-06-12
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: EQUIFAX, INC. (GA)

I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

This collection is regarding one months rent not paid due to repairs not made in my apartment for 6 months. Letters, phone calls, Registered mail, pictures were sent to manager as well as management company. I have copies of everything sent for 6 months. According to the written lease I had every right not to pay. I moved out in XX/XX/2017 and havent had a letter or phone call regarding this collection. NO CONTACT WHATSOEVER. I was alerted by XXXX XXXX
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I mailed a check to settle a collection account for less then full balance. Check was received and credited on XX/XX/XXXX however on XX/XX/XXXX company reported the account to all 3 credit bureaus as an open collection with an adjusted balance due to reflect the settlement payment.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had ( 5 ) small student loans with XXXX and they were past due. I consolidated the loans and they were paid off in XXXX. This information was reported, however, they still have the past due loans on my credit report. Now they have the new loan owner and the ( 5 ) other loans are still listed in red. These loans need to be removed from my report, not only is it ruining my credit score, its ruining any chances of me getting approved for anything. This is very critical to me, my only child goes to college in XXXX, and my score is so low, I wouldn't be able to help pay for college. I have written letters to all 3 credit reporting agencies to no avail. I've written a letter to XXXX  as well. I need this information updated on my credit report, ASA possible!!!!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low APR or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 

Personal Information The correct and only spelling of my name is XXXX XXXX XXXX XXXX REMOVE all other inaccurate information. 

REMOVE any address other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inaccurate accounts XXXX. The balances are in flatted on accounts. 
XXXX. The date of the Last Activity are inaccurate. 
XXXX. The date Opened are inaccurate. 
XXXX. The Closed Date is incomplete on accounts. 
XXXX. The Dispute Status is incorrect. 
XXXX. The Payment History is incomplete and inaccurate. 

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 XXXXXXXX Also I do not or have not done any business or have an open account with any of these people. 

Inaccurate Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please take the time and consideration to remove the incorrect information from my credit report XXXX within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Arizona XXXX