davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXXXXXXXXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CO)

I do not have a PayPal account but they are trying to collect money from me. I have talked to them several times and when I talked to them a month ago I told them not to ever call me again. 
They started calling me again today. I view it as harassment. I am almost XXXX years old. 
In my previous conversations I found out from them that someone opened a business account using my name and my social security number and my address and phone number. The email address associated to this bogus account was not mine nor is the associated bank account. They claim they deposited money in the associated account ( but it is not an account of mine ) and sent me an email again not my email account. 
They are trying to collect from me nearly {$800.00} I do NOT have an account with PayPal nor I have I ever received any money from them. I told them to go to the associated bank account -I think they said it was in NY XXXX I live in XXXX and I am XXXX  and DO nothing with PayPal. They have a bank account number so they need to go to that bank and leave me alone. The associated bank account has the name of the person who received the money and it was not me.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I sent a letter to the credit bureaus requesting for them to update items that were incorrect on my credit report more than 30 days ago, I have not gotten a response. 

Hard Inquiry XXXX on XXXX Please remove this inquiry as I did not authorize this Account not mine XXXX : Account showing delinquent status XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 -- showing charge off- this account does not belong to me, please remove this incorrect information
Consumer complaint received 2017-06-06
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. (PA)

2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application. my credit score was effected.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

Good Day This is a formal complaint against XXXX XXXX. On XX/XX/XXXX a certified letter with return receipt was sent to the company requesting validation of debt they stated I owed. I have no recollection or knowledge of the debt in question so I wanted and requested that the provide me with any documentation referenced to the account Midland stated I owed. On XX/XX/XXXX, a letter from Midland was sent to my address stating that they opened an investigation regarding my dispute. The letter also stated that in the meantime they would not be contacting me by mail or phone unless to respond to the dispute requested by me. The letter was signed by the Consumer Support Services Manager, XXXX XXXX. The letter also stated that the law limits state how long I can be sued on a debt, and because the debt was beyond the statues of limitations for the State of Md. However, they would continue to report the debt as unpaid. 


First, they need to provide documentation that the debt does not belong to me. A letter stating how they are going to respond to letter does not show any proof that I owe this debt. I am simply requiring XXXX XXXX to provide the documentation. I have also disputed this account also with the CRA 's for verification ( XXXX, XXXX, and XXXX  ) prior to requesting validation with the collection agency Midland. So the letter sent to them was my second attempt to resolve the situation with Midland. 


Sincerely, Consumer
Consumer complaint received 2017-06-06
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. (VA)

In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off my credit report.
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute on XX/XX/XXXX with transunion about mistakes made by lenders and the delinquency was removed XX/XX/XXXX. However the credit scores are not corrected for the months since last XXXX when the mistakes were made to XXXX when I filed the dispute. And transunion agent told me the reason they don't correct the score of the previous months because the lenders don't look up the history records but only the current one. First time to hear that lenders only look at the current credit score when you apply credit or any kind of loans. Actually my credit card company drop my credit limit by {$6000.00} because of the negative credit report and I can't get back the original limit even the current credit score is back to good. Please indicat transunion about credit score correction. If you made mistakes on the credit reports you have to correct all the mistakes you made, not just for one current month. Otherwise I will be seeking damage here.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX ) to the loan and the credit bureau is still showing that the XX/XX/XXXX and XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.
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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I had a fraudulent charge on my credit card by a gas station in the amount of {$150.00} on  XX/XX/XXXX and a  XXXX  transaction in the amount of {$1000.00} on  XX/XX/XXXX . We had not taken notice of these charges when they occurred and it was brought to my attention when I printed out the annual report for the credit card in late  XX/XX/XXXX . We paid the credit card at the time because we have another credit card with this company and we owed just about the same amount and the confusion of paying this credit card occurred because we thought we were paying the other credit card. I contacted the credit card company and they immediately deactivated my credit card. It took a few weeks before I heard back from them indicating that they were unable to help us out by returning our money because we have had the same address and we received our bill. I told them that we oversaw the charges thinking we were paying our other credit card from them. They just insisted that they could n't help us. They have a whole fraud department and they were not able to help us get our money back???? Are n't they supposed to catch these type of transactions? I contacted the gas station and spoke with t he manager an d she stated that the gas station would red flag any charges above {$300.00} because that exceeds a normal transaction charge. They said they would n't be able to help us out because I was contacting them in  XX/XX/XXXX  and the fraudulent transactions had occurred in  XX/XX/XXXX
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On  X/X/17    I called portfolio recovery associates @  XXXX  regarding a debt that they purchased from   XXXX    XXXX  and spoke with  XXXX   XXXX . I stated that in no form or fashion that I am admitting to the debt that is trying to be collected, I am simply trying to make a settlement payment and not payment arrangements because it is not my debt but being reported on my credit report. The operations manager sta ted (   XXXX   XXXX   ) t hat this debt is in a non-collection status because it was being disputed. He stated that in order for me to make a one time settlement payment I had to state that " I was not disputing this debt ''. I stated on a recorded line that " I am not admitting to this debt in no form or fashion and I am simply stating that I am willing to make a good faith payment for the account that is not mines to be removed ''. He said okay lets make this a " win win situation '' so that it can be taken care of. He stated that the settlement amount would be {$420.00} and came back on the line and said what portfolio recovery purchased the debt for and {$680.00} on a debt of {$790.00} that is not mine. Even though portfolio recovery associates purchased the debt from   XXXX     XXXX , when I contacted  XXXX   XXXX  they stated I do not ow the debt to them. I have nothing to do with this company purchase,  XXXX   XXXX  stated I do not owe the debt to them so I am disputing the debt with this company as debt that is not mines. This debt can not be validated with copies of statements there is NO CONTRACT/ AGREEMENT with portfolio recovery associates FOR THE AMOUNT BEING STATED THAT IS OWED.
Consumer complaint received 2020-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rocky Mountain Recovery Group (WY)

Rocky Mountain Recovery contacted me in order to collect on medical debt. They told me that if I agreed to make payments, that they would keep it off my credit report. Instead they opened a collection account on me on XX/XX/2019. They continue to take monthly payments from my credit card.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for the Capital One Savor card Application ID : XXXX after my friend got approved for a {$12000.00} limit. I have both a higher credit score and higher income than my friend. 

My Application with Capital One is pending because they are asking for verification of my income and have given me until XX/XX/XXXX to provide it. 

I sent my proof of income via USPS - XXXX # XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/year>, I took a check to Bank of America on XXXX XXXX XXXX in XXXX XXXX to deposit into my account at B of A. The teller said that there was a problem with the check and that I need to see the Manager. Instead of the Manager inviting me to his office he came out to see me in the PUBLIC AREA ( Lobby ) and told me that they can not accept the check. He asked me who signed the check. I told him the check was sent to me by another Company as a PROFIT FUND PAYMENT on my XXXX  account. 
Then he told me that the check is a fraudulent check from a fraudulent account created under my name and address by the XXXX XXXX. He told me to take the matter up with the Company. HE DID NOT GIVE ME ANY ADVICE AS WHAT I SHOULD TELL THE COMPANY OR WHETHER I SHOULD REPORT IT TO ANY OTHER ENTITY. 
I wrote a letter to the Company and they just shrugged it off! .I waited for over 10 months for them to give me a satisfactory answer. 
WITHOUT MY KNOWLEDGE, THE BANK MANAGER AT B of A had reported me to a CONSUMER AGENCY as a " Check Fraud ''. I did not find this out until I tried to open a Savings Account at my XXXX. The account was opened successfully but by next morning the account was CANCELLED. I asked to see the XXXX XXXX to find out why?. She told me that I was RED FLAGGED as a FRAUD. At this point I wrote to the Bank of America Manager that I AM THE VICTIM OF A CHECK FRAUD AND I AM NOT THE PERPETRATOR. FYI he did not even check with me for details of the Company who frauded me by sending me a fraudulent check opened in my name in a fraudulent account.. Now, every time someone tries to send me funds via bank transfer or XXXX  my name is triggered as a FRAUD. This has major implications and complications. Please let me explain why and how. 
I am a XXXXXXXX XXXX with an excellent past record. I have served this country as a XXXX XXXX for XXXX XXXX I am now a XXXX XXXX and a XXXX XXXX XXXX XXXX My Fees are paid by Insurance Companies like XXXX, XXXX and other XXXX XXXX XXXX as well as Checks from patients. As a result of the above problem I have been denied payments on many occasions. Please help me clear my name from the FRAUD flag and remove it.
Consumer complaint received 2022-03-03
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. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-06-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I checked debt collector on this because this is what this company represents them selves as. I am writing abo ut Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 paym ents of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received   XXXX   of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> I have  also may times asked for them to send me a copy of the Pooling and Servicing agre ement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.
Consumer complaint received 2022-03-03
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. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo XXXX was used to transfer money purportedly to XXXX XXXX. 
I was informed that my electric service would be cut off if I did not pay on the day XX/XX/2022. 
Two payments ( {$360.00} and {$370.00} ) were made in what was a scam and were thus fraudulent and I was forced to do this under threat. 
I submitted this to Wells Fargo and they refused to credit these monies back to my checking account even though they were fraudulent and made under threat.
Consumer complaint received 2022-01-07
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. (NJ)

All three of the consumer reporting agencies XXXX, XXXX, and Equifax has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXXXXXX myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

A Treasury Check from the US government for approximately $ XXXX was deposited on XX/XX/year>. Capital One, NA, held the check until XX/XX/year>. After numerous phone calls and emails, they will not release the check. The US Treasury website confirmed that the Check is " Paid. '' This means Capital One, NA, is holding the check to gain interest. This is a racket. We are a small business, and this " hold '' affects our other vendors who are small businesses and have worked hard with our team. According to the Office of the Comptroller of the Currency ( OCC ), Treasury Checks take a day to verify.