davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Currently work is going to cut my hours. I work for a general contractor and we didnt expect it to get slow. Nobody does. I called capital one since they are my credit card provider for XXXX accounts and let them know. I basically wanted some type of help. The only program they offered me was for 3 months they would waive my fees, but interest will still accumulate. The only advantage to the program is if I paid my payment late I would not get a late fee, but everything would still be reported to the credit bureau that I was past due and they will still be racking up on all the interest. I then asked to speak to a supervisor whos name was XXXX and his advice basically was let the account go past due and give us a call to see what we can offer you then. I am not sure whether this was legal or not, but it did not make since. I have been a loyal customer to them for 5 years and when I needed help it was basically do not pay, rack up fees and interest, and then we will help you. When I questioned XXXX on the fact he told me let your account go past due and then we will be able to offer you programs I was a little upset. Here I am trying to avoid not making payments, trying to work something out with them, and most importantly let it effect my credit and he did nothing to help nor at least empathize with me. We all struggle of course, but being a loyal customer to them I expected better help. I would have never thought to report capital one and I thought about it last night, but it just did not seem right to me. If I am trying to work something out so they see payments coming in I expected there help back instead of just trying to suck out fees from me.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

When I apply for a mortgage or car loan, the finance officer has a different credit score than I get on-line, or even when I receive a statement from the XXXX agencies. Their score is always lower. I do n't know if they 're lying so they can charge a higher interest rate, or there 's two different scoring systems. Which is it?
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX I obtained my free credit reports from annualcreditreport.com Experian 's report showed on my browser and then became unavailable when I clicked to view the whole report. I called Experian and they can not give me a reason as to why the report can not be given to me. 
Furthermore, I ordered Experian 's credit score product. After submitting my social security number and credit card, the website said there was an error and I would not be charged. I see a charge on my card today immediately afterwards. 
This is now XXXX product from Experian that are faulty in the same day
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Equifax improperly lists a tax lien for which the filing was *withdrawn* ( not just released ). 
Under the IRS XXXX XXXX program, the item should be removed from my credit report. I filed a dispute with Equifax , and attached the withdrawal notice ( IRS Form XXXX [ Withdrawal of Filed Notice of Federal Tax Lien ]. The ( terse ) response from Equifax indicated that some database they use was still reporting the filing of the lien. Their response did n't address the fact that the filing had been withdrawn, as evidenced by the notice I attached.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XXXX XXXX, XXXX Bank of America sent me a copy of the appraisal used to estimate the market value of my home. According to the letter appraised value of my home is {$380000.00}. When I reviewed the appraisal completed by Bank of America I found the report based on incorrect information using my home was built in XXXX. I gathered information from the XXXX XXXX XXXX XXXX XXXX 's public records. According to XXXX XXXX Assessor records ; my home XXXX XXXX XXXX XXXX, CO XXXX was built in XXXX XXXX Story/Ranch, Total Above Grade Area XXXX. XXXX XXXX XXXX {$360000.00} and XXXX XXXX XXXX {$29000.00}. 
The XXXX comparables used by Bank of America were ; XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX. XXXX XXXX XXXX {$430000.00} and XXXX XXXX XXXX {$34000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Grade Area XXXX XXXX Market Value {$400000.00} and XXXX Assed Value {$31000.00}. 
XXXX XXXX XXXX XXXX, CO XXXX built in XXXX XXXX Story, Total Above Area XXXX, XXXX Market Value {$350000.00} and XXXX Assed Value {$27000.00}. 
I want Bank of America compare with XXXX home with same sizes and XXXX story home with my home.
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity TransUnion is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 
2. High Balance TransUnion is reporting {$440.00}. XXXX is reporting {$0.00} and XXXX is reporting {$200.00}. 
3. Dated opened TransUnion is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX 4.Credit limit TransUnion is reporting {$230.00}. XXXX is reporting {$230.00} and XXXX is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A
Consumer complaint received 2015-03-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Federal Pacific Credit Company, LLC (FL)

I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " Federal Pacific Credit LLC '' under account number XXXX. Federal Pacific Credit has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. The company often refresh this account on my report. Balance of this unknown account his XXXX in last 6 months. Also company is reporting multiple 120 day late payments to further affect my credit score. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Federal Pacific Credit has failed to provide the information requested. Or even responded. They also us multiple mailing address for their company were they do n't sign for mail. Multiple returned letters. I have called the company to get mailing address from them directly and still my mail gets returned. Federal Pacific Credit is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue is n't resolved immediately. Federal Pacific Credit has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Federal Pacific Credit has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Federal Pacific Credit currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Federal Pacific Credit possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XX/XX/2024 a XXXX XXXX account was added to my Equifax account . I have already disputed it twice and it still hasnt been removed. This is not my account and I have had it removed successfully from my XXXX account.
Consumer complaint received 2022-09-03
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. (IN)

I sent out a letter multiple letters XX/XX/2022 for XXXX to update my account with XXXX XXXX XXXX. XXXX is showing I have a delinquent payment with XXXX XXXX and I do not they are inaccurate credit reporting and I would like it updated I do not have a late payment. I have tried multiple times with no response.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from XXXX, XXXX, and Transunion as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.
Consumer complaint received 2016-08-02
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Medical Data Systems, Inc. (VA)

Medical Revenue Services calls before XXXX and sometimes after XXXX several times a day using a " robocall '' automatic system. The insist in that I owe medical bills which I not true as I am still a patient of all the Doctors I 've had for more than 15 years and no one has claimed anything from me.
Consumer complaint received 2021-05-21
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)

Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account XXXX Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through Experian & XXXX but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a DEAD account. There should be no changes reported to it AT ALL!!!! I have tried to request a 1099 from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently pulled my credit report and there were several fruadulent account on my report that dont belong to me and nor did I authorize. 
1. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Also the following are fraudulent names, addresses and telephone numbers XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX Ct, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, MD XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2015-08-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC (CO)

Calvary Portfolio Services for XXXX this XXXX is from 2004 11 years ago yet Calvary Portfolio Services keep putting this debt on my credit report as if its a new debt. I have disputed this with the credit bureau but they do nothing this is dragging down my credit score, and beyond the statue of limitations Colorado the statute of limitations is XXXX years what they are doing is illegal the card has been closed for XXXX years. and I do not think XXXX even exists anymore.
Consumer complaint received 2016-01-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (PA)

Someone stole my identity and purchased phones from XXXX. In an out of state store. I have n't been out of state to purchase phones. 
This was a criminal act and I advised them of it. They still want me to report it to the police department. I do n't know when or where my identity was stolen to purchase these phones. If the company even took the chance to check to see if the person was actually me they would n't have sold the phones. They are messing up my credit with a {$1300.00} debt on my credit report.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-22
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. (NE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX XXXX. Account # XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-11-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc. (NY)

United Collection Bureau " Robo-calls '' my home phone number daily attempting to collect a debt from some one else whose former phone number I was likely assigned after a recent move. I have called them back several times and have left messages for them to stop these calls as I am a new person with the debtor 's former number. I even spoke to a gentleman there once and explained to him that the number they have on file is no longer for the person which they are still attempting to reach. Their calls have continued despite my threatening them with legal action.
Consumer complaint received 2015-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ballybunion Enterprises, Inc (NJ)

freedom furniture and electronics froze my bank account and took XXXX dollars i had in it and made me start paying for a debt i had no idea that i had. they took me to court and i was never properly notified and in a state where i did not live which is virginia
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

On XXXX XXXX, I opened a secured credit card with 5/3 Bank with a {$500.00} limit. I lost my job. I paid the {$70.00} of interest, and they closed the account and took {$500.00}. We closed the account. It is still showing as open on all XXXX of my credit reports.
Consumer complaint received 2015-07-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: URS Holding, LLC (OK)

This company is calling for a family member. I told them our number is not that person 's number and to take our phone number from their calling list. Still getting calls from United Recovery. 
LogUnited Recovery XXXX XXXX XX/XX/2015United Recovery XXXX XXXX XXXX/XXXX/2015 at XXXX
Consumer complaint received 2015-08-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I purchased an automobile in or around XXXX 2015 from a dealership. The vehicle had experienced mechanical problems, and so I returned the vehicle and the dealership accepted the return minus their restocking fee. Well, I had told the USAA customer service department about the vehicle being returned. I have also been XXXX and told them that as well. Please assist me in dealing with this matter. On XXXX XXXX, 2015, USAA debited a car payment from a joint account without my authorization.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX, I called a number from a letter I had received in the mail. The letter had no company name on it or any of their information. It was a letter telling me about ways I can potentially get student loan forgiveness. I called the number and a man answered by the name of XXXX XXXX. He proceeded to explain to me what the company did. He told me that they submit forms to the loan servicer for debt consolidation, once the debt was consolidated, I would get a lower payment rate of {$39.00} a month for 240 months to pay off my loan. He mentioned that after the 240 months, whatever was remaining for the loan would be forgiven. He then asked me for my XXXX XXXX. Which is something that should never be shared, but at the moment I was naive. He then proceeded to ask me for my bank information for a payment of {$790.00} that would be divided into XXXX separate payments of {$390.00}. They withdrew the {$390.00} from my account on XX/XX/XXXX. The reason I found out it was a scam was because I received an email on XX/XX/XXXX from the U.S. Department of Education that my account had suspicious logins. The Department of Education advised me to change my XXXX XXXX, they also had information about fraud prevention. To my surprise, that is where I learned I was being scammed because it stated to never share your XXXX XXXX. 
I then proceeded to go on the companies website where they had a location listed so I googled to verify if they were a legitimate business ( XXXX  ), the location was a storage unit. Then I proceeded to call Wells Fargo to explain the situation and put a stop payment into place. I also closed my bank account and open a new one. Additionally, Wells Fargo began a claim for the {$390.00}, and told me I had to wait 10 business days for a resolution. I just received a letter from my bank stating that the claim was closed because it was found that the charge was an authorized electronic payment. I also put a fraudulent alert on one of the credit bureaus, since this company had my personal information. Additionally, I reported this to the U.S. Department of Education ; they told me to just keep an eye on my account for any further suspicious activity as they can not prioritize my account due to the millions of accounts.
Consumer complaint received 2016-04-22
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (IA)

I bought XXXX Mastercard gift cards from XXXX. These Gift Cards are issued by US Bank. When I went to use them I found that money had been drained form them. I contacted US Bank and they asked to fax in information such as a copy of the card and the sales receipts. They said someone will contact me within 24-48 hours. After two weeks no one contacted me. So I called them and then they said that no one was supposed to contact me and now they will file a dispute and I need to send in more faxes. Everytime I call they give me different information. They are just giving me the run around and holding my money hostage
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.