davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (MI)

I was contacted on XX/XX/2020 at XXXX XXXX. From, XXXX XXXX calling from telephone number:XXXX. This collection agency was calling on behalf of XXXX XXXX XXXX, In a previous call, I asked the company to cease calling me ; and that I prefer to only deal with the company I owe.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I XXXX XXXX, am stating that XXXX, XXXX, Equifax is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, ( FIRST, LAST ), NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX  ACCOUNT # XXXX, DEPTEDXXXX  : ACCOUNT # XXXX, DEPTEDXXXX  : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2023-01-12
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-08
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. (GA)

I received a copy of my credit report and noticed some hard inquiries that i don't recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-08
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. (MI)

XXXX is in violation of the FCRA for reporting inaccurate information regarding I, the consumer. XXXX does not have my consent to furnish this information regarding a charged off XXXX  XXXX account. The Fair Credit Reporting Act states all information should be accurate. This charged off account has caused me great hardship. I have sent in a complaint about this account and the only thing Ive received are deleted inquiries.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have received a number of damaging reports regarding a debt for a credit card opened with Capital One. I was recently declined for a line of credit due to not enough open account and a late payment history. While searching through the details I have found that XXXX is listed this closed account as XXXX off XXXX times, late XXXX times in the last 60 days and written off. Here is a history of what has transpired. Account opened XX/XX/XXXX and closed due to non-payment on XX/XX/XXXX. In XXXX of XXXX a collections company by the name of XXXX XXXX XXXX XXXX contacted me via written correspondence and phone to collect the debt for the balance for the card ending XXXX. Eventually this debt was placed with the law firm XXXX XXXX who is now handling the account and has successfully filed a law suite in the event that I don't keep the payment arrangement. Starting XX/XX/XXXX I have made monthly payments of {$54.00} having recently paid for the month of XXXX. My credit report shows a negative history for all months from XX/XX/XXXX through today. Capital One is reporting the debit as a late payment as well. I found an note on the file with XXXX in the additional information section that the account is written off and deemed unable to collect. I have printed out this detail. As of today the written off note has been removed per my dispute, but, nothing else is shown correctly. I had a conversation with the collections department at XXXX XXXX on XX/XX/XXXX where it was advised that a dispute would be placed on my behalf to update the late payment status. The dispute is still in pending status. I would like the company to fairly and accurately report this account. It has not been charged off XXXX times and should not be reported as a late payment.
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have been engaged in an issue with Portfolio Recovery that despite their claims to the contrary on the credit bureau reports, by listing the items as resolved, has come nowhere near being resolved. This is has been stretching on for over a year and still remains a problem. And now there has been a new complication to the issue. 
Portfolio, as a result of a prior dispute, sent notice that they were ceasing collection activity on XX/XX/XXXX. However they did not completely follow the directive of their own notice and continued furnishing derogatory information to all three of my credit reports, despite the accounts they claim to be the original claimants of these alleged accounts not even appearing anywhere on my credit files with any of the bureaus. Reporting on credit is a form of debt collection and, as such, Portfolio continues to violate their own agreement with the CFPB to cease collection activity. 
The current and most recent issue that has arisen with this company involves the fact that they are pulling my credit from Transunion, most recently on XX/XX/XXXX. I only discovered this fact as a result of just having signed up for annualcreditreport and learning of this or I would have filed this sooner. Given that Portfolio have ceased collection activity on these alleged accounts, they should not have any permissible purpose in accessing my files and viewing my personal information. If they have some some strategy in mind they should explain it in their response otherwise they engaging in deceptive and unfair practices as under the FDCPA and UDAAP. Furthermore, they should cease pulling my file in the absence of said permissible purpose and they should also delete my file from their records and cease reporting activity as they should have a year ago.
Consumer complaint received 2020-05-14
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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 XXXX XXXX {$860.00} XXXX  XXXX {$7500.00} XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$110.00} XXXX/XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER  XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NV)

On these days are the dates and amounts that funds were taken from my prepaid debit card without my authorization. 
XXXX {$160.00} XXXX {$140.00} XXXX {$130.00} I have been trying to get in contact with the company for 2 days.When I call either the line is busy, an automated system prompter becomes available then the phone automatically hangs up in which I have to keep calling back to back and also being charged each time I call.
Consumer complaint received 2022-07-03
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: EQUIFAX, INC. (NV)

On XX/XX/2022 I filed a XXXX  complaint against XXXX XXXX for reporting adverse credit file information to all three bureaus related to an account that was not mine. I also contacted them multiple times at their Complaints Email address. They never responded at any point directly to my complaint. They did, however, remove the account that was not mine when I challenged the ownership of the account through all three bureaus. So the original issue has been resolved. However, do to the bizarre nature XXXX XXXX 's response to my complaints, there are new issues. First, they began to report new false information. Each of my XXXX XXXX accounts including my auto loan are now reporting " Customer Disputes. '' That is 100 % false. I never disputed those accounts. I only disputed an account that was not mine, which is now gone. Also, they deleted my auto loan from my Equifax credit report. That mistake needs to be corrected. I never disputed that auto loan, and I never asked for it to be removed from my report. My accounts with XXXX XXXX have a flawless payment history and responsible use. I expect this positive information to be reported, and there is no valid reason to have dispute status on my accounts when they were never disputed. Lastly, XXXX XXXX needs to stop sending me pieces of mail that make no sense. I have gotten several letters from them since my original dispute that say, " Sorry, but a careful review of your account shows it is not eligible for Service Members Civil Relief Act. '' Wow. Totally irrelevant. I sure wish they would have humans instead of computers handling these situations, because they keep making this same blunder. I also got a piece of mail saying they are trying to contact me about my auto loan account based on my inquiry, I made no such inquiry. My auto loan has a perfect payment history, and there was no dispute.
Consumer complaint received 2019-05-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (TX)

I had a refinance closing with XXXX XXXX on Wednesday, XX/XX/2019. XXXX obtained a payoff from LoanCare dated XX/XX/2019 in the amount of {$230000.00} ( Exhibit B, pages 3-8 ). XXXX wired {$230000.00} to LoanCare on XX/XX/2019. The wire was returned by LoanCare because the payment was short ( Exhibit A, pages 4 and 5 ). 
On XX/XX/2019, LoanCare paid my homeowners insurance the sum of {$2200.00}, that is due by XX/XX/2019. On a conference call between myself, LoanCare and XXXX, LoanCare states that I owe them {$1300.00} because they paid my homeowners on XX/XX/XXXX, which caused the {$1300.00} deficit in my escrow account. XXXX said they have nothing to do with the payment of homeowners by LoanCare and would not include the {$1300.00} in the payoff the {$1300.00} deficient being the reason LoanCare refused payment from XXXX. So, here I am ; I havent paid LoanCare its XXXX, 2019, payment because of my closing, and XXXX reminds me that I will owe them my first payment on XX/XX/2019.
Consumer complaint received 2020-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (NC)

They are trying to collect for an account that was closed and service discontinued. The collector is COMPLETE CREDIT SOLUTION. 

After BeforeClose COMPLETE CREDIT SOLUTION Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$410.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$410.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
Consumer complaint received 2020-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Bread Financial Holdings, Inc. (NE)

In XX/XX/XXXX, I ran a credit report on myself and saw there was a missed payment on an account I never opened XXXX my wife opened an account with Comenity Capital Bank " Your Tuition Solution '' in XX/XX/XXXX. Up to XX/XX/XXXX, I had never received any statement in the mail or online ( again, I didn't even know the account existed ). I called Comenity Capital Bank and while they could verify me by my social security number, they refused to give me an account number. 

Since XX/XX/XXXX, I have written Comenity Capital Bank on seven separate occasions, per their request, to dispute the error ; to date, they have never responded and have not removed the " late payment ''. 

On XXXX XX/XX/XXXX, I spoke with " XXXX '' at Comenity Capital Bank and she stated there was no way they could provide me an account number. When I informed them I was revoking their automatic debit of my account, XXXX stated that Comenity Capital Bank was not automatically debiting my XXXX Checking Account. I explained to XXXX that I had confirmed with XXXX that there was no " automatic bill payment '' coming from my account. She then changed her story and said it was a handwritten check. I told her that I was looking at an electronic, auto-drafted check ( # XXXX ) from Comenity that was being credited to my Comenity Account ending in XXXX. She then went silent for 2-3 minutes before coming back on the line and restated that there was nothing they could do and there was no way to provide me an account number. Additionally, I informed her that I had not received any paper statements since XXXX XXXX. 

I had no knowledge of this account being set up or how it was being drafted from my bank account. It was only when I conducted a credit check that I found out about the account.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have numerous disputes with usaa. I have 2 cards the biggest issue is with a XXXX charge. The original hold was for around {$180.00} in XXXX. They then allowed me to be charged 2600+ to my card with a limit of XXXX. Im now in the hole {$4500.00}. This is on 2 cards each with only {$1000.00} credit limit. As you can imagine this tanked my scores. Ive been trying to get them to dispute this XXXX charge and several others for months now. I can not get them to help me. I thought I was supposed to have some sort of protection as a user of credit cards. Usaa has taken every dispute and credit my account temporarily and then charged it back. The XXXX  charge should be the original hold no higher. The other charges I disputed were some fraudulent and some bad goods or services. Please get them to follow the law!
Consumer complaint received 2020-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (SC)

I already have a pending complaint with TD Auto Finance with them deducting a extra payment from my bank account. On XX/XX/XXXX a representative from TD bank called in regards to the previous complaint. He had told me to cancel my fraud claim with my bank which is XXXX XXXX XXXX. I explained TD bank can not refund my money it will take 30 days or even to mail a check will take 5 to 10 days I have other bills to pay and my bank can return my funds by today. At that point the representative told me because I chose to do this thru my bank my TD auto finance account will be charged a overdraft charge per my contract. I explained so TD bank took an extra payment from my bank account and because I want my money back TD bank is going to charge me a return check fee. The representative that called me was threatening in demeanor and I told him I will file another complaint this is wrong and customers should not have to suffer for their mistakes. I never been late on a payment and always paid ahead.
Consumer complaint received 2020-05-13
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. (AR)

My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX  XXXX {$430.00}
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (VA)

I've been repeatedly called and received letters from American express regarding a credit card debt in which I did not authorized or applied for. The only Hilton Honor Card credit card I authorized was the Hilton Honor XXXX visa card that I was informed a year later after started using that visa card. I was notified through via mail in 2008 that there will be a change or transfer from Hilton Honor XXXX visa card to the Hilton Honor American express card. I did not authorized this transfer and they kept on bothering me to pay off the debt. As a result of that transfer, my interest was compounded, reported and transferred to that American Express account that I did not authorized. I've been consistently making my payment on my original Hilton Honor account consistently and I believed I balanced out that previous balance which I started off with. As of today I have been continually being coerced to pay off a debt that was a result from that transfer to that unauthorized American Express account. As of today my credit score and reports was negatively impacted due to the non payment reported on a American Express card that was not authorized by me.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I received a collection letter from PRA. It stated that I owed a debt for XXXX. When I contacted the original creditor, they said that I did not have any debt owed, they actually owed me a refund check for overpayment on the credit card. I was sent a refund check from the original creditor.

I sent a request for validation to PRA on XX/XX/24 - They responded and claim the debt is valid, so I asked for more proof. They never responded and proceeded to report this to all 3 credit bureaus, dropping my score over 150 points. 

There is no debt, how can a company damage my credit with a fake debt?