davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capitol One has placed my accounts in suspension and froze both my cards, that I've had for years with them due to suspected fraud. I was advised that because I have added and removed authorized users my account was being flagged and was initially told that the front and back of drivers licenses are needed for all persons ever added, regardless if they have spoken directly with and are no longer on the account for verification purposes. Once that was submitted, I was told they needed social security cards ... once that was submitted, I was told they all needed to be signed. I even submitted a passport for one in leu or a social for verification and they are refusing to release my account. They have advised me they have to verify that the persons added are real people and that they need to have their information to ensure they do not take over my account. The confusion is that only one card had authorized users and some users had previously contacted Capitol One. They are being very misleading and seemingly don't want to resolve the concern. I am forced to make payments on an account that I can not access or risk having my credit negatively affected.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

I tried to close my Wells Fargo checking account on XX/XX/2021. I went to my local Wells Fargo branch in person and told them I wanted to close my account. I was told that I had to make an appointment with a banker to close my checking account and that a teller was unable to do it, but the teller offered to let me withdraw my funds and told me I could call the number on my card to close my account. I withdrew my funds and called the number and was told that I could not close my account because of a pending transaction, which was the transaction of me at the bank withdrawing the money from my account. They told me to call again later. I called again today, XX/XX/2021, and they have charged me a {$10.00} fee for having low funds in my account on XX/XX/XXXX because I took the money out of my account. The bank does not want to let me close my account until this is resolved. The service fee is a result of the bank not letting me close my account after 2 requests and is unacceptable. It is not the amount that is the problem.
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NV)

I recieved a letter from a collection agency C & W Caine and Weiner in XXXX Texas stating that they were attempting to collect on a debt owed to XXXX XXXX XXXX in the amount of {$460.00}. This is erroneous. I rented several vehicles over several months from XXXX ' XXXX Airport location. ALL rentaLs were returned and paid on time via my personal VISA debit card from XXXX XXXX. I have documentation to suport this. 

The collection company in question is Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-02
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: Stanislaus Credit Control Service, Inc. (IL)

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   Stanislaus Credit Control XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2016-07-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (LA)

I disputed the balance on account number XXXX from your company American Honda Finance your company updated a new balance XXXX. Please provide me with a full account Ledge for how you came up with the figures you updated to my credit report.The information that you are reporting is inaccurate. I have previously requested for your company to remove the account XXXX from all collection activity include reporting inaccurate information.Please provide a full ledge of reporting that your company has reported to all XXXX Credit Bureaus. I am Requesting this information to verify that your company is providing correct information to the Credit Bureaus.I am reviewing different balances being reported under each credit Bureau. I am forced to File A Complaint with the FTC AND TX ATTORNEY GENERAL. If this matter is not resolved. Again Requesting DELETION of account XXXX from all XXXX Credit Bureaus
Consumer complaint received 2019-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (TX)

Americollect is trying to collect on several medical bills that are not mine. I asked them to validate the debt and they sent an break down of all debt BUT they are not mine. There is nothing other than the name and address that links this to me. They did not show anything with Date of birth, or Social Security number. They are only using my name and my name is common. None of the items they are reporting to the credit bureaus are mine
Consumer complaint received 2017-11-19
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: CITIBANK, N.A. (CA)

Cbna/sears Hard Inquiry from XXXX XXXX, 2016 XXXX, OH XXXX ( XXXX ) XXXX Info from XXXX & XXXX  via XXXX XXXX XXXX XXXX website. 

This hard inquiry was not authorized by me as I have never applied for any type of credit from sears.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I attempted to use Annual XXXX Credit Report.com to obtained my credit file, TransUnion block my online attempts said I had to use regular mail to request said report and made the consumer wait and additional 14 days to get a copy of their report in direct violation of the FCRA. 

I received report # XXXX for XX/XX/2022, and noticed XXXX had deleted the following ( XXXX ) Loan accounts from said report : XXXX XXXX XXXX XXXX XXXX {$17000.00}, and Personal Loan account {$13000.00}, both accounts are currently open in good standing without any late payments. 

TransUnion removal of both loans accounts intentionally lowered the consumers credit scores and ability to obtain additional loans. This act of removing open lines of credit was based on race and designed to lower the credit scores of Americans of XXXX decent and blocking the consumer ability to obtain said credit reports online and delaying the consumers ability to correct any information blocked said consumer from obtaining timely financing. 

I am therefore requesting a investigation into this practice asking the CFPB to enact and enforce laws and provide consumers with protection from this abusive practice and fine TransUnion for this deceptive business practice that may affect millions of American of XXXX descent.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

The Account Opening date is inconsistent across the credit bureaus. 
Account Type is inconsistent across the credit bureaus.

Account Status is different across the credit Bureaus It reports as open and closed at the same time. 
Date of last payment is inconsistent across the bureaus. 
Date the account was last active is different across all credit bureaus. 
Account Balance is different across all bureaus. 
The high credit limit is different across all the credit bureaus. 
Account is erroneously reporting 30 date late payment on XX/XX/XXXX.
Consumer complaint received 2022-09-09
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. (FL)

The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX BANKRUPTCY XXXX XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-03-07
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: Experian Information Solutions Inc. (FL)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-11-17
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. (NM)

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of XXXX amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.
Consumer complaint received 2022-02-21
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. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2020-06-25
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. (LA)

XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX  XXXXUnder Dispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX COUnder Dispute U.S. DEPARTMENT OF XXXXUnder Dispute all ftc
Consumer complaint received 2020-04-29
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$330.00} XXXX   XXXX {$940.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2019-03-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I received this statement from Equifax about removing the public record on my credit report, they said that I used a credit repair company. This is an assumption that is false and inaccurate. I did my own dispute on the cfpb website. 


The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/personal/disputes if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to express my frustration with the multiple attempts to contact me regarding missed payments and the suspicion that Bank of America may be setting traps to earn interest. I have encountered numerous instances where I have been unable to make payments on time due to various reasons, and despite my efforts to rectify the situation, the repeated contacts have been excessive and inconvenient. I am concerned that this may be a deliberate strategy to generate additional interest revenue for the bank.

I would appreciate it if you could investigate this matter promptly and provide me with a satisfactory explanation. Additionally, I request that you review your contact procedures to ensure they are fair and reasonable for customers facing financial difficulties.

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (MD)

Ref # : DEBT RECOVERY SOLUTIONS has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name Debt Recovery Solutions. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " Debt Recovery Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 

As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that Debt Recovery Solutions recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}. I then decided to email them so that I could have a form of communication that could be documented. It 's not doubt that the item referenced above is no longer with them yet they still continue to report this debt after I 've brought this to their attention months ago. 
I 've attached a copy of the email chain. It was only after I call and told them that I would be making this compliant that they respond stating that they would take care of it. 
I am still filing this compliant because they knowing continued to report false information. This account has not been with them since XXXX, XXXX and the reason. I know is because I 've been asking them for details in order to resolve the matter yet they would not respond.
Consumer complaint received 2019-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NY)

My car was repossessed due to an error on the behave of Wells Fargo Auto CPI Payment Program, They applied unnecessary CPI charges to my loan. The charges associated with this CPI policy have contributed to my car being illegally repossessed and my credit being destroyed for the last 4 years, They try to apologize about the error and try to offer me a check for {$4300.00}. They Kept {$6700.00} and claimed they applied this to unpaid repossession or for the difference I would have received if I would have sold the car I have never received any paperwork or documents of proof of where this money was applied this account has been charged off and Wells forgo already received a credit for this I don't have an account to update so they are pocketing the money and I am out of my {$4000.00} downpayment and {$2500.00} custom wheels and tires I had on the car when the vehicle was illegally repossessed
Consumer complaint received 2018-02-02
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. (NY)

Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
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. (MO)

I am formally requesting with this CFPB complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish their investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}