davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Service International Corp (TX)

I received a call from an undisclosed number they claimed to be a process server trying to serve me with papers. They gave me a XXXX XXXX number to call stating that a case had already been filed against me. When I called the number they said they had not filed a case against me and it was just their intent. They claimed to be A XXXX XXXX XXXX. They said they were going to file for separate lawsuits against me each for amounts less than {$150.00}. For a total amount of {$480.00}. I am reporting this because I do not believe them to be an actual law firm because I can not look them up anywhere. I also have not been able to reverse look up their phone number XXXX XXXX XXXX XXXX. I believe they are a collection agency who has purchased a debt who is illegally claiming to be a law firm.
Consumer complaint received 2018-10-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), all credit reporting agencies are required by federal law to verify the physical verification of the original signed  consumer contract for any and all accounts posted on my credit report. I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) via mail on XX/XX/XXXX. No Verifiable Proof was provided. XXXX sent a letter saying they can not change the account, and it is now XX/XX/XXXX. Their failure to positively verify these accounts has hurt my credit tremendously.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CapitalOne credit card provides an extended warranty that doubles the original manufacturer warranty up to a maximum of twelve ( 12 ) months on most items you purchase. For products with multiple warranty components, each warranty time period will be extended up to a maximum of twelve ( 12 ) months. Should you fail to properly register the original warranty as required by manufacturer, we will only double the actual warranty time period that you received from the manufacturer. An example of a product with multiple warranty components includes an appliance with original manufacturers ( or U.S. store brand ) warranties that differ for parts, labor, compressor, etc. If you do not have an additional service contract or an optional extended warranty, this Extended Warranty benefit commences the day after your original manufacturers ( or U.S. store brand ) warranty expires.

Coverage limitations : The maximum Extended Warranty benefit for repair or replacement shall not exceed the actual amount charged on your MasterCard card or {$10000.00}, whichever is less. 
en I called Capitol One XX/XX/2018. and attempted to redeem the extended warranty coverage it did not appear to be a problem since the warranty doubles the original time of the purchase. CapitalOne has failed or refused to honor the extended warranty which is unfair, deceptive, and abusive practices.I ask the CFPB to take action against this companies that break the law and disregards its own policies.
Consumer complaint received 2018-10-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I am behind on my mortgage due to unemployment. I called the Mortgage company to see if there was anything that I could do, any type of program that I could be involved in. The first time I applied it was turned down because I had XXXX income reported ( coming in ). I called XXXX XXXX to see if there was anything that I could do and they said : " yes '' reapply if I had a " Contributor '' that I could add on the account. They asked me if I did, then they went over preliminary questions with me on the phone. One question they asked was how much does the contributor pay towards the mortgage. I said " {$1000.00} '' a month. After I gave them all of my financial responsibilities they said yes, they had a program that they could enter me into. They sent me the paperwork to fill out, I filled in the paperwork and sent it in with, they called me back and said they needed paystubs of the contributor and from me on my new part-time job. I sent it in, then they called and said that they needed proof that the contributor resided at the address. In about a week they sent me what they call " An Affordable Mortgage '' of {$2200.00} a month. Original Mortgage was {$1800.00}. They wanted a Trial Payment of " {$2200.00} a month, for 3 months. When I called them they said that is the best that they could do. I contacted XXXX and XXXX asked them why they used 100 % of the contributors ' income when the contributor is NOT a spouse and is not on the mortgage. What I was looking for was a temporary mortgage that is affordable while I continue in my job search. I also wonder why they never said there was a program for me when I said the contributor contributes " {$1000.00} '' a month and they used 100 % of the contributor 's income when the contributor also has expenses. I am aware that I am behind, but when I reached out to Penny Mac it was for help. Currently, there is no way I can afford {$2200.00} a month. The VA contacted them also and asked if the would consider extending the term of the mortgage for a lower temporary payment and they said no.
Consumer complaint received 2018-10-11
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. (MS)

I have disputed some of the accounts that were having late payments with the credit bureau for several attempts, to no avail. I have paid my obligations on time which is not ..Please CFPB help me out here and remove the accounts, you are my last hope. The following accounts are inaccurate XXXX   XXXX, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2018-10-11
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. (IN)

On XX/XX/2018 I sent a dispute letter to Experian as I found a company by the name of XXXX XXXX   reporting inaccurate information on my credit profile. XXXX XXXX was and still is reporting multiple opening dates across the 3 bureaus, so I knew the information was inaccurate and showed Experian the proof. As of XX/XX/2018 Experian had not responded, so on XX/XX/2018 I sent another letter to Experian explaining that I had not received a response from them in 30 days. They finally sent me a response dated XX/XX/2018 stating that unless I provide additional relevant information to support my claim they would not reinvestigate the information again.
Consumer complaint received 2018-10-11
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. (AP)

I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away
Consumer complaint received 2018-10-11
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. (AP)

I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away
Consumer complaint received 2018-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is a complaint against XXXX XXXX XXXX because it is violating the law for reporting an account that is under my name, but is fraudulent, that does not belong to me, was opened without my permission and is being reported to the XXXX  XXXX XXXX, by you I want through the CFPB to send you all the documentation that I already sent you via fax 2 months ago and by certified postal mail, they received all the documentation but they threw it in the trash, it means that you do not comply with the federal laws and lack of respect for the law because they violate and ignore this must stop reporting to the credit agencies and remove from your agency this account is a fraud, see if you understand me I have never attended any medical institution in the US, thank XXXX I never get sick, I thank you, please check very well the documents that your colletion office has, As names, social security number, because I am a victim of identity theft and this account is one of the many that unfortunately was opened under my identification according to you. And this situation is affecting my health, my nerves are destroyed because of this, please ask me to answer this via CFPB with a letter from your agency stating that this account has been closed and blocked by fraudulent results and that you request the credit agencies that remove it from my credit, because you already have all the evidence of identity theft and I do not understand why you have not complied with the law of removing it, if you continue to report this account you are violating the law. Now this complait will also be reported to the FTC and other federal agencies so they can comply with the law ; since if for you it was a garbage the report of police, I am obliged to go to all agencies so that you can meet them, for violating the law of reporting fraudulent accounts when all the evidence and documentation necessary to block it has already been given, this same letter requested that it be sent to XXXX so they can stop reporting a fraudulent account that affects my life by identity theft, the law says that when a person is a victim of identity theft the credit agency and the creditor as you are. They continue to report the account and it is not blocked so violating federal law. That account must be eliminated as a duty complying with the 605b law and if it does not violate the law, if you do not know about this section 605B, I recommend that you read it very well and comply, because I will have to go as far as I can. to solve this, I have stolen half of my life due to stress. in this complait I will get you 1-Police Report, Letter of request to block the account for compliance with federal laws, as well as upload the letters, the FTC report and my documents. Sorry for the repetition of this request, I want this complaint to be answered with a formal letter that you can call. Thank you
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC bank has been stealing money from my account for more than 3 months. I filed 2 complaints before with CFPB. Based on HSBC statement, the hacker ( inside of HSBC ) still stealing my money, because I could not access my account, all my accounts has been suspended since XX/XX/2018. I have never received respones directly from the company. I made many phone calls, they refused to serve me. As matter of fact, I called today, XXXX asked me to go to branch. I have been branch many times, they wanted me call HSBC customer service. I called XXXX XXXX XXXX ( vice president ) several times, left messages on her answering machine. She never called me back.
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was told I owe a debt that I never had and has never even shown up on my credit report and its 8 years old, statute of limitations in my state is 6 years, I asked for written copies of last payment made, original account number and when the account was opened and they told me they wont and dont have to give me that information because they are a third party but told me dates over the phone but no original account number and also said that they are going to impose liens and levies against me and are in the process of bringing a civil suit against me and are going after my name which will prevent me from getting a job in a bank or going into the military among other things and will show up on a background check.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

Bankruptcy on my credit report not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2018-10-11
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: Experian Information Solutions Inc. (MI)

My account was reported to the credit in XXXX of 2014 for being late by XXXX, I was not late with my payment. There system would not let me make my payment and made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Experian is reflecting an account that doesn't belong to me and is fraudulent. this account was removed/deleted from my credit file and they are putting it back on suddenly and its not correct. this account has been removed and should stay that way. I spent numerous months getting this off and spent so much money getting this resolved and now they put it back on my credit file and I have sent them again all the documentation to remove it and they advise they will not do so. this negative XXXX XXXX account hey have listed on my credit file does not belong to me. this needs to be removed asap for good and this is ridiculous that they are again violating my rights and the credit regulations. I have spent countless hours getting this resolved and for them to not properly handle this is ridiculous.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money. 
My first stop to freeze my credit score was with XXXX. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a XXXX customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising XXXX. I then called XXXX who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame. 
I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country XXXX not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.
Consumer complaint received 2018-10-11
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: Experian Information Solutions Inc. (TX)

These 35 inquiries I have disputed more than 5 times and yet they remain. I did not authorize, Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Auto Fi Inquiry from XX/XX/XXXX All Banks Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Manager Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies XXXX  XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Agencies
Consumer complaint received 2018-10-11
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. (TX)

The account below is being reported wrong. Account showing closed with a balance. I have received a XXXX for this account so balance should be XXXX. Not sure why bank continues to report it with Balance. 

The account is not in collection of should be listed as charge off. 


Auto Account : XXXX XXXX XXXX {$31000.00} Closed
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.