davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
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. (NJ)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (WA)

XX/XX/XXXX ProCollect called my mobile while I was in the waiting room of a hospital for my mother. PC asserted a debt of {$4100.00}. Did not describe the debt other than to identify the creditor as XXXX XXXX XXXX XXXX. I asked for more information, but PC would only demand that I make payment, and threatened consequences. I ended call saying not to call me again, and to send any communication in writing. 
First week of XX/XX/XXXX Credit bureaus report that my credit score was dropping substantially because of a collections report. No additional information in the credit report beyond PC name and XXXX XXXX XXXX XXXX. I disputed with the two bureaus that would allow dispute, but they denied dispute. XXXX would not allow dispute without more information, but no such information had been disclosed in PC demand or any credit report about the collections claim. 
XX/XX/XXXX PC sent letter, addressed to XXXX XXXX, asserting same claim with no additional information. I received letter around XXXX. I responded with a letter XX/XX/XXXX demanding documentation that supports PC 's belief that I owe debt. 
XX/XX/XXXX letter from PC, received XX/XX/XXXX. Provided hilariously inadequate documentation of debt. If it was in fact evidence of some debt, it was against one of two other people, who live 3000 miles away from me. We only shared a first name in common. I replied with the attached letter.
Consumer complaint received 2024-01-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FORD MOTOR CREDIT CO. (NY)

A DEBT FROM XXXX FOR A VEHICLE I CURRENTLY NO LONGER OWN AND PAID OFF XXXX TO THIRD PARTY CREDITOR WITH NO CONTRACT IN PLACE THIS ATTORNEY CONTACTED ME AND STATED THAT I OWE HIM FOR THE VEHICLE DEBT THAT WAS ESTABLISHED IN XXXX AND IN XXXX THE ATTORNEY CLIAMED HE WAS HIRED BY THE COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS Documents By typing my full name below, I certify that the above complaint is true and accurate to the best of my knowledge and that any documents attached are true and accurate copies of the originals. * Signature XXXX XXXX Date of Affirmation XX/XX/XXXX COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS ATTEMPTING TO COLLECT A DEBT AND BEGAN TO GARISH MY PAYCHECK SINCE XXXX FOR THE CAR PURCHASED IN XXXX NOW THAT IM WORKING WITH POST OFFICE THE NEW DEBT COLLECTOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AS OF XX/XX/XXXX THE ATTORNEYS STATE I OWE THEM XXXX JUDGEMENT FROM XX/XX/XXXX WHICH WAS ORGINIALLY XXXX I BELEIVE THE STATUE OF LIMITATION IS ONLY XXXX YEARS ALSO THE ORGINAL DEBT SECURITY WAS SOLE AFTER PAYMENT AND NONE OF THIS IS BEING REPORT TO THE IRS WHICH IS ANOTHER FEDERAL OBLIGATION AND NOW FRAUD FROM THESE FORERIGN AGENTS ACTING IN DEBT COLLECTOR CAPACITY WITH OUT CONTRCAT THEY ARE OPERRATING IN A CAPACITY OF A DEBT COLLECTOR AGAIN TITLE 15 USC 1692 G ALSO THE SHERRIF DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX HAS ADDED {$20000.00} NO EXPLIANATION FOR FEES JUST STEALING FROM THE ELDERLY WITH PAST STATUE OF LIMISATION TO COLLECT AS DEBT COLLECTOR HOWEVER MY CLIAMS AND DEFENSE BEGINS WHEN I NOTICED THE FRAUD UCC 3-305 ( 1 ) as for as these debt collectors 18 USC 1001 and 1005 applies WHICH XXXX  XXXX XXXX SHOULD BE NOTIFIED AND IRS for security fraud using tax payer money to get Judgment without giving me the write to face my accuser IM REQUESTING THE REGISTRATION NUMBER FOR THE XXXX XXXX  ONFILE WITH THE DOJ AND ALL MY MONEY BACK FOR FALSE COLLECTION SEE ATTACHMENTS
Consumer complaint received 2023-05-01
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (IN)

I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 

I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security. 

Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.
Consumer complaint received 2024-01-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (NV)

In XXXX of XXXX I was hit by a data breach from my Mortgage Co. that took over my Mortgage in XXXX of XXXX. It came through my e-mails and created data breaches on my computer and my phone. Due to this I was not able to XXXX for extra money which I need to do each month to survive every month as I am a XXXX  and on very fixed income. Because of this I had to renew a payday loan which gave me additional money to carry me until I was able to XXXX again. It was 2 months before I could fix the issues to be able XXXX XXXX again. I somehow managed to make all my payments and do the annual registration and inspection and state license to start XXXX XXXX  in XXXX. In the meantime, I managed to keep all my bills paid. I am struggling very hard, and I can not continue like this. The loan was taken out on XX/XX/XXXX with Advance America online for {$2500.00}. I went online today and found out that my loan amount is still more than the original amount. When I talked to them, they said that original amount was at 159 % interest and the total was an additional {$5000.00} in Interest. I have been making payments of {$330.00} and can not continue this until XX/XX/XXXX. None of this was clear when I renewed it online I thought it was maximum of 9 months.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (WV)

CD Indigo I honestly have no idea where this came from! My identity was stolen back a few years ago, so Im not sure if this was a result of that or what, but the debt on my credit report states the credit limit was {$300.00} but credit used is 0 %??? And my highest balance was {$640.00} I have absolutely zero clue why this is on my credit reports and I would like it removed..
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

NAME : XXXX XXXX XX/XX/year> ADDRESS : XXXX XXXX CT, XXXX, GA XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND MY FAMILY AND I HAVE BEEN FACING FINANCIAL HARDSHIP.

ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 


THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY. THEREFORE, YOUR ORGANIZATION IS LIABLE. 

PURSUANT TO 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

15 USC 1681E ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

THIS IS ALSO VIOLATING THE IRS CODE FOR DISCHARGED AND CHARGE OFF DEBTS. ONCE THE DEBT IS IN THE CHARGE OFF STATUS IT AUTOMATICALLY BECOMES INCOME FOR THE CONSUMER AND IT IS UNLAWFUL TO REPORT INCOME TO CONSUMER REPORTS. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAIL OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETER THE TRANSACTION TOOK PLACE OR NOT. 

PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND THE DELETION OF THE FOLLOWING ; XXXX CREDIT XXXX BANK XXXX XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX THANK YOU FOR YOUR COOPERATION. 

SINCERELY, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MA)

I have a balance of {$920.00} on a card i paid in full now i received a bill for {$17.00} as a bill to paid when I called custumer service they dont want to remove it, I dont think its fair if I paid the full ammount of my card, then you send a bill whyle there is no ballance left on my account due date is XX/XX/24 XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

This is a follow to XXXX. 

I received a call today from someone at Chase and when they called, they informed me that the call would be recorded. At that time I told them I wanted to record the call on my end as well. They made it clear that they did not approve of me recording. At that point, I told them we had nothing to discuss. 

In my opinion, the situation has gotten totally out of hand. This company needs to stop harassing me and clear my records from their system.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I submitted lots of requests of the signature page of this debt because I do not recognize this debt. 
I did have a debt with Capital One before however, I paid that debt off! 
That is the reason I have requested this so many times. This debt is not mine!
Consumer complaint received 2023-08-31
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I have added Equifax to remove a medical bill from credit report, and it hasn't been removed. XX/XX/2023, XXXX XXXX under {$500.00} would no longer appear on consumer credit reports. I requested removal on XX/XX/2023, and it hasn't been removed. I didn't ask for debt validation.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc (NY)

I was asked to send over bankruptcy documents listing the Debt collector working on their behalf to collect the debt as a creditor. As of this date, they have the debt as outstanding. I have called the debt collector and I have yet to hear from them.
Consumer complaint received 2024-01-25
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: ENCORE CAPITAL GROUP INC. (FL)

Ive been trying to get approved for things that require my credit being pulled and the status of this collection is dictating key factors in the progression of this. The information on file is incorrect such as address and other things.
Consumer complaint received 2024-01-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC (NY)

A DEBT FROM XXXX FOR A VEHICLE I CURRENTLY NO LONGER OWN AND PAID OFF XXXX TO THIRD PARTY CREDITOR WITH NO CONTRACT IN PLACE THIS ATTORNEY CONTACTED ME AND STATED THAT I OWE HIM FOR THE VEHICLE DEBT THAT WAS ESTABLISHED IN XXXX AND IN XXXX THE ATTORNEY CLIAMED HE WAS HIRED BY THE COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS Documents By typing my full name below, I certify that the above complaint is true and accurate to the best of my knowledge and that any documents attached are true and accurate copies of the originals. * Signature XXXX XXXX Date of Affirmation XX/XX/XXXX COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS ATTEMPTING TO COLLECT A DEBT AND BEGAN TO GARISH MY PAYCHECK SINCE XXXX FOR THE CAR PURCHASED IN XXXX NOW THAT IM WORKING WITH XXXX XXXX THE NEW DEBT COLLECTOR XXXX XXXX ATTORNEY RUBAN AND ROTHMAN, LLC ATTORNEYS AT LAW AS OF XX/XX/XXXX THE ATTORNEYS STATE I OWE THEM XXXX JUDGEMENT FROM XX/XX/XXXX WHICH WAS ORGINIALLY XXXX I BELEIVE THE STATUE OF LIMITATION IS ONLY 7 YEARS ALSO THE ORGINAL DEBT SECURITY WAS SOLE AFTER PAYMENT AND NONE OF THIS IS BEING REPORT TO THE IRS WHICH IS ANOTHER FEDERAL OBLIGATION AND NOW FRAUD FROM THESE FORERIGN AGENTS ACTING IN DEBT COLLECTOR CAPACITY WITH OUT CONTRCAT THEY ARE OPERRATING IN A CAPACITY OF A DEBT COLLECTOR AGAIN TITLE 15 USC 1692 G ALSO THE SHERRIF DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX HAS ADDED {$20000.00} NO EXPLIANATION FOR FEES JUST STEALING FROM THE ELDERLY WITH PAST STATUE OF LIMISATION TO COLLECT AS DEBT COLLECTOR HOWEVER MY CLIAMS AND DEFENSE BEGINS WHEN I NOTICED THE FRAUD UCC 3-305 ( 1 ) as for as these debt collectors 18 USC 1001 and 1005 applies WHICH SEC AND FINCEN SHOULD BE NOTIFIED AND IRS for security fraud using tax payer money to get Judgment without giving me the write to face my accuser IM REQUESTING THE REGISTRATION NUMBER FOR THE FORIEGN AGENTS ONFILE WITH THE DOJ AND ALL MY MONEY BACK FOR FALSE COLLECTION SEE ATTACHMENTS
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (IL)

On XX/XX/XXXX a vehicle I purchased at XXXX XXXX  auction XXXX XXXX XXXX broke down while I was driving on the expressway. I had to get it towed from the expressway to the tow yard then XX/XX/XXXX I had to get the vehicle towed from the tow yard back to the dealer XXXX XXXX  auction and now they allegedly fix the problem but now they trying to have me pay for it turns out, they fixed it but the vehicle still wont turn on now they want me to tow it to another shop to get it fixed and make me pay for that. I contact the finance company. They asked me to ask the dealer to get me the diagnostic report I asked the dealership for the document, they only send me pictures they not willing to send me the paperwork and this is all while it has not been a whole month since I purchased the vehicle on XX/XX/XXXX I paid for the towing I paid for the oil change, and I paid for the XXXX new tires that I put on there all within almost month of me purchasing this vehicle The documents I have sent is the conversation with me and the person that has sold me the vehicle at the dealership at XXXX and also the other documents shown shows what Ive been paying for within the month of me get in the vehicle as well as them telling me to hurry up and pay my first payment on the vehicle.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (DE)

In XXXX I requested my dollar rewards be sent to me. They said they only direst deposit the check. I said OK.. I then went to the store and tried to use the commenty credit card and they put a block on it. When I called them they said that I did not send the code to me and I told them that I did not receive one. They requested via e mail a both sides of my SS number card and drivers license and a copy of a house bill. I did send them this information and they acknowledged receipt of same. A few weeks later I received in the mail a notification from them that they had unblocked my card and raised my limit to XXXX XXXX dollars from XXXX XXXX. I have been in touch with them several times via telephone and they keep saying it is still in the working progress. The told me at the start that it would take 30 days to review the information and they would get back to me. So far as of this date, no information as to the above situation. I believe that they do not want to send me the check.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am a victim of XXXX  XXXX. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX  have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX  and XXXX  information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting 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. (MA)

My name is XXXX 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.