davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX ... This number calls me 3 times on my cell and 3 times at my home. Capital One is the most annoying and most harassing company I've ever come across. Open account on XX/XX/2017. I've had XXXX XXXX on both. Water pipes bursting, car problems. Just behind on alot of bills. Explained my situation and they still call everyday. I know I owe them. I do not need a reminder everyday 6 times a day.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CLGF Holdco 1, LLC (NJ)

Please verify and account that account belongs to me since my name and adress are wrong .Per credit fair report act any inaccuracies such as : incorrect name and adress should be deleted.
Consumer complaint received 2021-08-19
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 (FL)

The capital one platinium credit card has not disbursed the money that the XXXX merchant already paid for the amount of XXXX and they charged me that credit amount twice. Capital one is supposed to give me back XXXX and they are charging me that fraudulent money I have evidence
Consumer complaint received 2021-06-01
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 — Their investigation did not fix an error on your report
Company: PREFERRED CREDIT INC (GA)

XX/XX/2021 the full remaining balance of loan account XXXX with Preferred Credit was paid in full. Prior to this in XXXX the balance was paid 50 % off. I called Preferred Credit multiple times in XXXX, XXXX and XXXX to ensure these payment updates would be reflected and they were not. I called the credit bureau XXXX multiple times and not only was the information never corrected their questions used to identify my identity were accounts that were not mine or did not have a valid answer. When I informed them of this they hung up the call after one to two hour hold times. I disputed this online twice and the last time on XX/XX/2021 confirmation : XXXX and the investigation should have been completed XX/XX/2021, but it remains locked with no results. Therefore, I can not dispute it again because it shows active but nothing being done to resolve it. I have called the credit bureau XXXX and they have refused to fix it. I have called Preferred Credit and spoke with two Supervisors one XXXX and explained how it affected my credit score and needed to be removed from my credit report and it was not fixed. I emailed complaints with supporting documentation on XX/XX/XXXX and XX/XX/XXXX and have not received any responses. On XX/XX/XXXX again my credit score went down XXXX points on XXXX with no explanation or supporting documentation and this account remains on there. I need this preferred credit account removed immediately and my credit score updated immediately. I would also like to file a formal complaint against XXXX for knowingly reporting false information, refusing to correct false information and knowingly allowing my credit score to be impacted by this false information. I also want to file a formal investigation into Preferred Credit for refusing to ensure correct information is reported to the credit bureau and causing harm to my credit score and ability to purchase.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I

am in the process of refinancing my current mortgage. In order to make a financially sound decision, I need to know certain key information about my current loan including the amount of interest remaining on my loan from now until its maturity. To that end, I have called my current loan servicer,
Bayview Loan Servicing ( Recently changed name to Community Loan Servicing ) on multiple occasions to obtain this key information about my loan.

However, the loan servicer customer service agents have shown an unbelievable level of reluctance and incompetence, and to some degree outright refusal in helping me obtaining this information. As a result, I am not sure if I am making a correct decision in refinancing my loan.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX  and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see pages attached. I have also attached a copy of my drivers license and SSN for verification purposes. ) These multiple inquiries are well within the time that is typically allowed to check different lenders and find the best loan. These inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of the inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-06-08
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. (MD)

On XX/XX/2021, I requested a copy of a credit report from XXXX. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that XXXX contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy Court-XXXX XXXX I also verified with the US Bankruptcy Court-XXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as XXXX. 

On XX/XX/2021, I sent a second letter via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter from XXXX that they were unable to process my request at the time. 

As of XX/XX/2021, XXXX continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with XXXX and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.
Consumer complaint received 2020-10-20
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: EQUIFAX, INC. (IL)

XXXX  IS REPORTING 16 INCORRECT INQUIRIES ( XXXX SCREEN SHOT 1 ) AND EQUIFAX  IS REPORTING 9 INCORRECT INQUIRIES ( XXXX SS 2 ). NEITHER COMPANY IS POSTING CONTACT INFORMATION REGARDING THE MISINFORMING AGENCIES AND I AM SUFFERING DAMAGE BECAUSE OF THIS MISINFORMATION.
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (FL)

I am upset to know that my information has been compromised and used under false pretenses. I have not authorized any of the false inquiries impacting my credit. I have no knowledge of any of these inquiries and would like them removed as soon as possible.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

I banked with wells fargo since XX/XX/XXXX and had a secured card with them as well. Last summer in XX/XX/XXXX I decided to close my checking account with them and pay off my secured card. I was going to close the secured card but the banker told me that was a bad idea and that I should instead not use the card anymore and then I would get my refund and the card would " fall off ''. I did as the banker informed me to do and little did I know until I saw an email from wells Fargo that I owed a balance on a platinum visa. I called and inquired about what happened and they told me they upgraded me from a secured card to a platinum card. I did not consent to this nor was this ever disclosed to me prior to getting a secured card. I closed that card because I never authorized the upgrade and was told the secure card would fall off and there would not be an active account for that credit card. I feel that I have been deceived by wells fargo. And now this will be reported on my credit that I closed the credit card and that is not good for my credit.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America started charging my account a {$25.00} per month fee, saying that my checking account was not " linked '' to my Mortgage and Home Equity Loans. My accounts were always linked, then in XXXX of 2021 they " unlinked '' them. They said they would relink the accounts but could not refund the fee. This is a scam to gain fees. I want this fee refunded.
Consumer complaint received 2021-06-08
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. (MD)

On XX/XX/2021, I requested a copy of a credit report from XXXX. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that XXXX contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy CourtXXXX XXXX I also verified with the US Bankruptcy CourtXXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as XXXX. 

On XX/XX/2021, I sent a second letter via Certified Mail to XXXX to validate a Bankruptcy with the US Bankruptcy CourtXXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by XXXX on XX/XX/2021. In response, I received a letter from XXXX that they were unable to process my request at the time. 

As of XX/XX/2021, XXXX continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with XXXX and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC, for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from LVNC Funding LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I have not validated any alleged debt with LVNV Funding LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving LVNV Funding LLC any right to collect on this alleged debt. 
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2018-02-12
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. (CA)

I recently paid off a student loan account ( XXXX Acc. # XXXX ) This account should be deleted from my credit file as the account is too old. 
Transunion keeps sending me investigation results saying " DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED '' Pursuant to the FCRA this account shall be removed
Consumer complaint received 2021-06-08
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: World Acceptance Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Account Services Collections, Inc (TX)

Account Services is reporting inaccurate/unvalidated information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Account Services has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MI)

I received a letter on the date of XX/XX/2018. In the attempt to collect a debt in the amount of {$600.00} my credit report was sent to XXXX XXXX XXXX. I would like to have this matter taking care of please.
Consumer complaint received 2021-06-08
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: Sequium Asset Solutions, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNT ( S ) THAT I DIDN'T AUTHORIZE ON MY CREDIT REPORT AND IT'S PREVENTING ME FROM RECEIVING CREDIT ; I also Noticed fraudulent Inquires that I did not Authorize or consent to be on my consumer credit report. On XXXX XXXX I sent an 1 ) identity theft report ; 2 ) Copy of my ID ( proof of identity ) 3 ) copy of my consumer ( credit report ) ; and a 4 ) Copy of the Fair Credit Reporting act 605 B.

I also called equifax letting them know that In order for them to report something on my consumer report that they need my written consent which they did not have for none of the accounts or inquires on my consumer report pursuant to 15 usc 1681b ( a ) ( 2 ) ; I also informed them that they could not report anything factual between me and what all of those alleged creditors are saying what happened pursuant to 15 usc 1681a ( 2 ) ( A ) ( i ) ; and excluded from a credit report should be any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. After Putting Equifax on notice the accounts are still on there making them civilly liable for willful noncompliance pursuant to 15 usc 1681n and conspiring to be apart of this identity theft.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (IN)

XXXX OWNS SEVERAL PREPAID CARDS e.g. XXXX/NETSPEND/XXXX ETC..

I JUST FINISHED MY TAXES ON XXXX XXXX AND WAS GIVEN THE OPPORTUNITY TO GET A NETSPEND ACCOUNT WHICH WAS SEND 3 DAYS LATER! USED THE ROUTING A ND ACCOUNT NO TO HAVE TAXES FOR STATE AND FEDERAL TAXES DEPSOIT INTO NETSPEND, ON THAT DAY I TRIED TO ACTIVATE CARD AND WAS TOLD I COUNLD'T HAVE A NETSPEND CARD. AND NOW HAVE MY REFUNDS GOING TO THIS ACCOUNT.

ROUTING NO.XXXX

ACCOUNT NO.XXXX