davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

HAPPY XXXX AND HAPPY HOLIDAYS! and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (FL)

From XX/XX/2020 through the present. I have been receiving communication from Discover in Statements on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt.
Consumer complaint received 2019-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lazega & Johanson LLC (NJ)

I received an email from my employer on XX/XX/XXXX with a summons for garnishment that was filed by Lazega & Johanson LLC, a debt collector. The summons mentioned a defendant who has the same name as me but living in Georgia at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The summons had however last four digits of my SSN. The summons also mentions a co-defendant who I do not know. 

I have never lived at this address nor have I ever owned this or any other property in Georgia. Since XX/XX/XXXX, I have lived and worked in New Jersey. 

The summons has a total garnishment claim of {$5100.00} made on the behalf of the plaintiff, XXXX XXXX XXXX XXXX XXXX whom I have no dealing with nor owe any monies too. 

I informed both, my employer and Lazega and Johanson LLC that I am not the defendant and my SSN is fraudulently used in the summons. 

I have provided a copy of summons and my affidavit.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} / XX/XX/2022 XXXX XXXX XXXX XXXXXXXX / {$550.00} / XX/XX/2022
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XX/XX/2021 to present date Transunion and XXXX are reporting inquiries and accounts that I do not consent to, authorize, nor have I benefited from. I have contacted the consumer reporting agencies and creditors to investigate this fraud and remove the inquires and accounts. I had been successful in removing several of these fraudulent accounts and inquiries but have not been successful in eliminating them all. I have called numerous times to the consumer reporting agencies and the creditors in question. I have also written to the consumer reporting agencies with proof of my identity, to request that the remaining fraudulent accounts and inquiries be investigated and removed. The most recent response I received back from the consumer reporting agency stated they would not be removing the inquiries and will continue reporting for 2 yrs. 
Between XXXX and Transunion I have 16 inquiries being reported that I do not consent to, authorize, nor benefit from. These fraudulent inquiries and accounts have put undo stress on myself and my family, defamation of my character, and credit slander. 
At no time did I give written instruction to the above consumer reporting agencies to report on my behalf. Pursuant to15USC1681b ( a ) ( 2 ) Permissible Purpose and 15USC1681 ( a ) ( 4 ) Accuracy and fairness, I am requesting the immediate deletion of the fraudulent inquiries being reported by Transunion :. 
The following ( 9 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX I am requesting the the immediate deletion of the fraudulent inquiries being reported by XXXX : XXXX 
The following ( 7 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX - x2 inquires with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported the identity theft thru FTC
Consumer complaint received 2021-03-04
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. (TX)

I am currently in Chapter XXXX Bankruptcy. I am filing this complaint due to inaccurate information being reported by Experian regarding my XXXX XXXX XXXX XXXX Account. Experian is saying that the information is correct and that XXXX XXXX reported the late payments and XXXX XXXX is saying Experian is reporting late payments. This account is showing 30 day late payments from XX/XX/XXXX through XX/XX/XXXX and XXXX and XX/XX/XXXX. All of these are inaccurate and is dropping my credit score significantly
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (FL)

My issue began with Goldman Sachs Bank USA in XXXX of 2022. I disputed a charge in the amount of XXXX for XXXX XXXXXXXX XXXX  XXXX I put my dispute in writing. I paid all of my bill that month, minus the disputed amount of {$8.00}. In XXXX of 2022, I was charged again for XXXX XXXX  {$9.00} this time. I paid my bill in full, minus the disputed charge of $ XXXX In XXXX of 2022, I was charged {$9.00} for XXXX XXXX  AND XXXX XXXX credit for {$9.00} ( a disputed charge ), {$9.00} ( a disputed charge ) and a credit for {$8.00} ( a disputed charge ). So, XXXX agreed with me that these charges were not authorized. I thought the issue was resolved. No. In XXXX. I was again charged XXXX for XXXX  I paid my bill in full except for the $ XXXX disputed the charge. In XXXX, I was charged {$9.00} and credited {$9.00} for this same disputed charge. 

My issue is that all along this credit card company has been charging me interest on the disputed charges. Total interest charges are now at {$33.00}. This is outrageous. I have always disputed the charges ( evident by receiving the credit ) and have written to this company asking for credit on my erroneous interest charges. They refuse to issue credit for the interest charges. I want this company to credit me {$33.00} in interest charges.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letters regarding the inaccurate and unverified items on my credit to this date XX/XX/2021 I have yet to receive any response. I feel like I am being taken advantage of an being ignored about my disputes. Section 611A it is clearly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been well over 60 days I demand those items are removed from my credit report immediately. Or I will be forced to file for litigation due to the stress you have caused me my information was also impacted by the equifaxs data breach an may have gotten into the hands of the wrong person
Consumer complaint received 2021-08-16
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!
Consumer complaint received 2021-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (VA)

I applied with Selene Finance for a covid-19 forbearance, after the forbearance was up I went ahead and applied for a loan modification, I submitted all documents through emails. i have sent all the required documents, every time I called for an update Selene finance request the same documents that sent less than a week ago, they get confused with my loan number they even call me a different name, looks like they are in a different file asking me for the same documents I have sent. this is very frustrating because i have proof of email been sent to Selene. they are very upset they sound like they don't want to help me at all. every time i tried to explain that the documents were sent they fight with me over the phone inserted of searching for the document. my intentions are to keep my property is the only one i have, Selene finance is doing its best to not help, by ignoring my emails and phone calls
Consumer complaint received 2021-10-25
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. (UT)

I have a card with XXXX Visa for several years. I have paid this card on time or early every month. II have never been late on this. I have not used the card, however they charge me {$6.00} a month just to use the card? XXXX and XXXX I just went in on the XXXX of the month and " scheduled '' a payment to pay the {$6.00}. I have not had a balance for sometime and I always pay this way. I do not like auto payments as I have found errors before and feel this is the safest way. Unfortunately, my payments for both months apparently did not take. I had no knowledge of this for the following reasons : 1. I never received an communicaitons from the Company saying I was late. The first I heard of it was last Thursduay and was told I was sent to collections. I was shocked! I asked why I received no word of this, and they couldn't offer any information re : that because they never did. Most companies send out reminder letters or call, in this case nothing. I immediately paid the amount which had an assessed late charge on it. I then received 2 more email the next day stating my balance was past due! Funny how I got those but nothing prior. 

2. My payment history was that I either paid on the XXXX or or I paid early. I have not had 1 payment late with this compnay EVER. Why would I miss a payment for {$6.00} to ruin my credit. This makes zero sense to me. I asked to speak to a supervisor, they stated they would have one call me. This never happened. They said within 24-48 hours I waited with no call coming in. 

3. Today I called and was basically told they could do nothing but remove the late fee mean while they have a ding on my credit report. 

4. Most upstanding companies communicate with their customers, however, XXXX Visa does not until " it's too late ''. It's almost like that is their ultime goal. 

5. I have submitted paperwork to them and do not feel I will get any where with them, but feel they should be looked into. 

6. When I asked why did you contact me? Crickets! I looked through all my emails and there was nothing. Nothing received via mail. 

7. I mailed a letter with informaiton to them on Thursday directly and have attached my documentation. 

8. After receiving the call I immediately went in while on the phone with them and paid it and I still after paying it I received 2 different emails within 5 minutes of each other stating my payment was late! Funny that they sent those but never sent anything else prior. 

I am very frustrated by the way this company treats its customers. You can not speak to anyone with authority and all you get is someone who reads from a script! 

I would like to have this company checked into for their businesses practices and also hopefully they will do the right thing and reverse this on my credit report for {$6.00}
Consumer complaint received 2021-10-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Longbridge Financial, LLC (CO)

I request funds from longbridge financial from my reverse mortgage .it has been over a month and I have not received the monies.the first request I waited 3 weeks no money.i called customer service and they resubmitted my request I called and they said the check was in the mail.that was 7 days ago. I feel like I am being scamed.I have bills coming due that I was going to use those funds for.now I will have to pay interest on my charge card.trying to reach someone by phone is really frustrating. It usually takes over an hour to connect with an agent.Do I have any recourse against this company?
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: E-Backgroundchecks.com, Inc. (NC)

I am a victim of identity theft. I have sent this company a cease and desist and demanded that they stop brandishing invalid information and they are refusing to meet my demands.
Consumer complaint received 2021-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (TX)

This company continue sending mail. This account is under a class action lawsuit against Ally Financial and won by the defendants and class, the case has been close judge order was and company trying to collect is XXXX XXXX XXXX XXXX a company has not been verified and I didn't sign on contract with they haven't verified can collect in state of Texas by continuing sending correspondence.
Consumer complaint received 2019-08-21
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: EQUIFAX, INC. (NV)

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX, XXXX/XXXX,XXXX   XXXX, XXXX XXXX, XXXX,
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (OH)

Greetings, Initially this was a hospital debt my wife and I paid off. We can't find this in our records as of yet, so the next concern became ... When did this company XXXX notify us of this debt? On what date did they attempt to collect the debt? What was our response, because it would have been paid? We can't pay off a debt if we received no notification or there was no attempt to contact us or who we would need to contact. I am requesting documentation of these efforts and information. 

This should include dates, documents, address and phone numbers utilized for collection. Notes on account of any contact with me and the result of that contact.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : Accounts : XXXXXXXX XXXX XXXX XXXX {$1600.00} {$0.00} XXXX XXXX XXXX XXXX {$220.00} {$220.00} XXXX {$200.00} {$1300.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$1300.00} {$0.00} XXXX & XXXX XXXX XXXX XXXX {$140.00} {$0.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX BXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C. 1681 section A. States that I have the right to privacy.

15 U.S.C. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

I applied though XXXX for a job, and was offered to be a XXXX XXXX to a CEO. I was told my first task was to deposit a check for {$6200.00} and take the funds and disperse them to orphanage for a medical procedure. I did exactly what he asked cashed the check that was in my name, and send the money get money orders With the cash and send to the given address. I woke up to negative thousands of dollars in my account. I have called Wells Fargo to file. a claim immediately with police reports, emails, texts, the XXXX  application to show I was a victim of fraud/being stolen from. They would not even look at the police report, or talk to the detective, or look at my proof. They denied my claim and refused to give back the money that was stolen from me. The banks job is to put a hold on a check with large amounts of money, and idtenfiy a fraudulent check, They did not do that, They gave the cash right away without making sure the check would clear or was legit. I was truly under the impression I was hired to work as a remote assistant for someone and doing my job thinking this was for the greater good. I have emails, and job descriptions texts to show proof of this. I also filed police reports etc. This has impacted us greatly financially leaving us with our bank account drained.
Consumer complaint received 2021-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bliksum, LLC (MN)

I was on my bank trying to apply and it directed me to start up and once I tried an application loan for them it told me that I was unable to get a loan through them but was able to get a loan through a third party. Before I even put any of my information it had my information so I figured it was through start up in the website was secured when I went on to loanme.com After filling out the online application the page refreshed and had told me that I was pre-approved and redirected me to the next screen, which said that my approval was pending and that I would receive an email for next steps. And when I went on to their website and tried logging in I told me I was not a member or did not have an account. Prior to going on to loan me I had screenshotted where my bank directed me to loan me and I noticed on the top of my screen shotted picture it had said loanmee.com Right away I noticed it had an extra e and started freaking out. I know think my life is ruined and don't know what to do about it.
Consumer complaint received 2021-08-15
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: National Credit Systems,Inc. (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 2021-05-02
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. (CO)

XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a XXXX declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX, and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30 days late for XXXX and they have repeatedly refused to fix this.