davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I called Capital One in XXXX to pay off my 2 cards. I gave them the balances owed because they do not show all of the card numbers on the credit report. I had one card that I was a signer on and the other with just myself. Capital One gave me the collection agency to call. I called and payed off one of the cards. I was told that it would take 10 days to update. When it did not, I called Capital One back. They told me that the payment was showing up but that it could take up to 30 days. To call the agency back and have them update. I called XXXX XXXX back and told them what Capital One said. I then called Capital One and asked them to send me a payment letter. They next did. Later in XXXX I called Capital One to discuss my 2nd card. I asked how to take care of it. I was told to call XXXX XXXX and I was given the XXXX number as the last 4. I asked several times about the XXXX balance to make sure I was paying off the 2nd card. I was told it was. I paid XXXX on XX/XX/XXXX to settle this account. I have called Capital One about 15 times since XXXX and I was given incorrect information EVERY single time until a couple weeks ago when I spoke to a gentleman who called XXXX XXXX to try to sort it out. He also said that the XXXX card was back at Capital One and has been since XXXX. Yet EVERY time I called Capital One .... they did NOT mention that. They ONLY said that it was still unpaid. I attempted to settle this today. The 1st lady said the XXXX card was mine even though I had to repeat about 20 times that it was mine and that I KNEW it was mine. The Senior person I spoke with is part of the issue. She wanted to settle for XXXX AFTER not giving the proper information in early XXXX when I spoke to her. Her misinformation along with the others had me losing XXXX. It has ALSO impacted my credit report in a negative way for MONTHS. Capital One is who gave me the card info. They should have been EXACT as to what balance was for which card, so that I could take care of it correctly. They ALSO should have told me that the 2nd card was back with them in XXXX. They did NOT. I only found out after months of wasted time.
Consumer complaint received 2021-09-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC (CA)

I called Pacific Retrieval LLC today, and spoke to a man who ended our conversation by hanging up on me. I was trying to explain what I knew of my claim. Note, I am not an insurance adjustor, nor am in debt collections, so I'm not familiar with the processes as well as those who are, so I was asking questions and telling him what I knew. He was rude from the start, and at one point he tells me " thats the most ridiculous thing I've heard all week. '' I asked what he meant and he responded with this threat, " if you don't want your credit hurt you can call back and set up payments '' and then hung up on me. I tried calling back, and I heard the same man in the background yell at the lady who answered my call, " just hang up on her. '' So she hung up on me as well. The calls are recorded. I suggest requesting those recordings. As of now, I haven't been able to resolve this issue or figure out how I now have debt in collections.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (NC)

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 XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.
Consumer complaint received 2021-09-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MI)

It's from a collection agency called XXXX XXXX XXXX they stated in the letter I took a payday loan out with Ace Cash Express ( I know I payed it off, this is from XXXX ), they say they are going to file a civil lawsuit unless I pay {$950.00} by XX/XX/XXXX. They also say they will report it to the credit agencies and seriously damage my credit if I don't pay
Consumer complaint received 2020-09-09
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MS)

To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.
Consumer complaint received 2021-09-03
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: Experian Information Solutions Inc. (VA)

Hey whats going on I recieved a reposnse from you saying i was '' listed as someone you dont recognize as a customer '' if I am not your customer then why would you put misleading information on my credit report. I have been sending you complaint but it seems you'd rather lost money than investigate my complaint
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has cause major stress for me the last 30 days. I had ach transactions I e attempted to stop that they said would stop. They didnt, they went as far as having to close my account to try to get it to stop but yet it continued for almost a week. They finally got it to cease but instead of correcting the fees due to their error, they took the money for the fees from one of my other accounts. Didnt return my money. I had to fight tooth and nail to get those fees corrected because the system wouldnt allow them to go through. This was finally fixed after multiple calls due to their representatives dropping the ball.

Then, I had to dispute two items. Those of which were filed incorrectly. They gave me a temporary refund on the items, and because the items were filed incorrectly they later took those funds back out of my account. I was told it was because I didnt submit documentation l, but upon speaking to a representative, she and I both saw that no documentation was ever requested. So she then refilled it for me, but now Im out of that money too. Then I look today and theyve taken more money out of my account that I am now on the phone currently ( 45 min hold ) to find out what it is for. Im so sick of this bank. Im completely done!!! I wish I could sue the pants off them because there is no rhyme or reason for this especially when it all due to their own errors. Each and everytime. Im doing what I am supposed to as a consumer, yet Im getting the short end of the stick and they get to rob me blind with no notice whatsoever!!
Consumer complaint received 2021-09-03
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. (FL)

I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without response.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

I applied for this remote job on XXXX as a Personal Assistant to the XXXX XXXX XXXX XXXX XXXX XXXX. I received an email stating that I was qualified and chosen for the position. Since it was a remote position, i had several email interviews. On XXXX XX/XX/2022, the CEO ( XXXX XXXX ) hired me and told me that i will receive work instructions through text messages. 

First he texted me and told me to go to XXXX and buy a pack of business checks, then he emailed me a XXXX  check to print and deposit in my bank account as my salary and funds to set up my IT interface for work. The same day I deposited the check of XXXX XXXX my WellsFargo Savings Account XXXX {$400.00} was immediately available. He instructed me to go to XXXX and buy XXXX gift cards and load them both with {$200.00} each and send photos of them to him with the receipts. I thought it was apart of the work and since the bank cleared the funds, I thought it was legitimate. 

The next day XX/XX/2022, the remaining balance of the check was cleared in my bank account. He had me wired {$2800.00} to the company 's lawyer bank account in XXXX XXXX 
Lawyer Banking details : Name : XXXX XXXX Bank : XXXX Account No. XXXX XXXX XXXX. XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my bank account went into overdraft because, the check was deem fictitious and my bank returned it. Funds were pulled from my savings account to compensate for the moneys I used, since the check was fraudulent and returned. Needless to say, my bank charged me for the check returned. 
I reported it to my banks customer service center last night, when I received an email saying that my savings balance is below {$0.00}. 

I have text messages and emails for proof.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (LA)

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 XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

My problem is with Experian unfair credit scoring practices! I complain about this in 2019 and it has only gotten worst since that complaint!! My problem is I pay off my bills every month on time and I keep my credit card spending below 15 %! But Experian will take my credit score down 15 to 25 points in one day when I use my credit cards!! Why? Its like I am punished for using my cards!! And 25 points in a month is ridiculous for a credit score drop if I don't have any collections or derogatory marks on my credit report!! Why does this keep happening?? I can see my score dropping two to three points but 25 points?? It seems very unfair that when my credit gets to XXXX their seems to be any reason to drop it and keep it below that XXXX score!! It has to be purposely done!! 25 point drop is unheard of for a credit report with no derogatory marks and a exceptional credit history don't you think?? 
I am not even using 15 % of my credit limit when I use my cards!! And i am getting my score drop 15 to 25 points??? Come on you know that is unfair!! My credit score seems to only go up if I do not use my credit card and it takes forever for that to happen!! But as soon as i use one of them, its like they can not wait to drop my credit score for using my cards????? Why is that happening? Please explain?? 

And its like every time i complain about it, it only gets worst!! Why does this keep happening?? I am enclosing a up to date copy of my credit repost so you can see for yourself! 
And please don't get upset at the complaint!! Just fix the problem because if it was happening to you, you would not like it now would you?? Just remember that you reap what you sow and XXXX doesn't like ugly
Consumer complaint received 2021-09-03
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. (AL)

Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my Experian listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (GA)

FirstPoint Collection resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted FirstPoint, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 

FirstPoint responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by FirstPoint bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. 

Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet FirstPoint continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I also reached out to FirstPoint by phone and spoke to a woman by the name of XXXX to try and resolve the issue because I am trying to purchase a home and this item is negatively affecting my credit report. I explained my situation and asked if i could get a goodwill deletion if I paid the debt in full ( even tho it wasn't mine ) so it would no longer show up on my XXXX credit report. XXXX told me that they would not give a me a Goodwill Deletion and would still report the collections account to my credit report even after I paid the balance. FirstPoint 's policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have had some occurrences of identity theft that has occurred on my credit report. On XX/XX/2021 I wrote a letter advising the credit bureau that there is inaccurate information reporting on my credit report as a result of theft of my information. It has been well over 30 days and this inaccurate information continues to report. 

Attached to this complaint is a copy of the original letter submitted and my identity theft affidavit for your review.
Consumer complaint received 2021-09-03
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: CL Holdings LLC (CA)

This account has been disputed on numerous occassions. I have been disputing this account for over 2 years. The company removes the collection account and keeps adding it back on my credit reports. I have never done business with this company or the original creditor. 

JEFFERSON CAPITAL SYSTEM Reported : XXXX XXXX, XXXX  - {$4000.00}
Consumer complaint received 2020-09-17
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. (FL)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Keep re aging the closed account date and reporting new data on a account thats has been closed and sent into collections is a direct violation to the fcra regulations and laws for the medical data systems I account in every credit reporting bureau has done this with this account that does not belong to me in the first place the practice is very illegal and can and will result in a lawsuit