davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I got a call from XXXX XXXX XXXX about debt elimination. I spoke to a XXXX XXXX who was the Financial Educator. I only spoke to her twice. The other times have been to XXXX XXXX with the same title. the phone number and address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, website : XXXX Phone number : XXXX. I had a Capital One, XXXX and XXXX XXXX XXXX XXXX XXXX. I owed XXXX and Capital One nothing. this started in XXXX, XXXX. I owed a lot of money to XXXX like {$10000.00}. I was told not to use these three credit cards nor speak to any lenders or make payments to these companies. Disregard all statements and letters regarding enrolled accounts unless it is from a. Collection Agency without XXXX or XXXX. Disregard any phone calls regarding debt elimination, debt relief and debt consolidation. I did just that and signed a statement. 
I made calls throughout this process. On XX/XX/XXXX I was told that I was XXXX XXXX through the process. On XX/XX/XXXX I was told it takes 4-5 months for banks to offer to settle but not to accept. I was told that I was in Phase 4. XXXX, XXXX I received a collection letter for Capital One. XXXX, XXXX I called to get an update. Phone answer is a recording to leave name and number and they will call back. XX/XX/XXXX I was told that they started working on getting inquiries off of my credit report to improve my score. XX/XX/XXXX no response. Nothing changed on credit report that I am aware of. I called XXXX to followup and got no answer just the recording. 
Until XXXX XXXX XXXX I noticed and enrollment fee and Descriptor of {$3400.00}. That is the amount charged on XXXX XXXX card. I am paying on it. 
They claimed to be a credit restoration company. I should have checked with XXXX. I was in a state of panic and still am. 
Please HELP me. Ihave XXXX XXXX XXXX  Reponse is Click here to inquire or call XXXX at XXXX or XXXX. I have. the first number XXXX XXXX comes up and says check number ane the other just disconnects. 
I don't know where to turn for help on this SCAM.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2022-12-07
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. (GA)

I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Validate/inaccurate reported late payments.
Consumer complaint received 2023-06-06
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my XXXX request to these companies. In XX/XX/XXXX In XX/XX/XXXX and now XX/XX/XXXX I have sent letters either requesting why erroneous information pertaining to accounts listed are listed on my profiles for XXXX XXXX Experian and XXXX XXXX ) Names. They have placed erroneous names for me such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. I am tired of sending copies of my id stating this. I dont know where these agencies got these names from My social is XXXX. I am shown to have socials ending in XXXX XXXX and other social security numbers. I have asked these to be removed more than once with no remedy. I have sent a copy of my social more than once They continue to show addresses not mine. My address for more than XXXX years is XXXX XXXX XXXX XXXX XXXX CA. XXXX. These agencies have XXXX different erroneous addresses for me which include family members addresses XXXX XXXX apartment buildings i have managed and other addresses not related to me. 

Addresses shown on reports which are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Why are these addresses on here and where did they come from XXXX XXXX 

I have requested an explanation of what the following alleged accounts and balances are for XXXX XXXX XXXXa complete audit trail XXXX XXXX XXXX documentation that shows i agreed to pay the debts listed XXXX XXXX XXXX XXXX XXXXwritten permission or agreements I have with these companies XXXX XXXX XXXX XXXX XXXXnotification to me XXXX days in advance advising me of the intent to put these negative information on my profile. I have no clue who most all of these companies are XXXX XXXX XXXX  what agreements i have with them XXXX XXXX XXXX XXXX  all of them show different amounts on each report XXXX XXXX XXXX XXXX  they have not responded to me reporting back the requests I have asked for. the companies on these reports for which i have requested info on my reports are 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 

Inquiries I have no idea who these inquiries are and have never given permission or authorized them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers that are not mine that are shown : XXXX and XXXX
Consumer complaint received 2023-08-22
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. (CA)

TD AUTO FIN XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX BANK XX/XX/2021 XXXX BANK XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-06-06
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-07
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. (HI)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. 
It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-22
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2021-08-12
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. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2023-08-06
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. (TN)

I didnt authorize these transactions they are a result of fraud Im asking the creditors to remove ( 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 ) These are not authorized by me. Please remove these inquiries.
Consumer complaint received 2023-06-06
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. (MS)

NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that XXXX XXXX XXXX is report-ing a late payment to XXXX, XXXX & Experian XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.
Consumer complaint received 2023-07-25
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. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XX/XX/XXXX I called Captial One to let them know there are unauthorized charges on my account and that I lost my card. So they said that they will reverse the charges and that it will not affect me, that they will credit my account and conduct and investigation and also they will send me a new card. So I receive my new card and upon activating my card online, I see that there is a unauthorized charge of {$33.00}, so I called them back and they told me that I am to pay that amount and then the rest of my fund will be released to me, that they are still conducting the investigation but I would be able to use my funds. I made the payment of {$33.00} and now upon checking account this morning, my account is closed and they are telling me that because I called stating there are unauthorized charges on my account that is why they closed the account and I let them know that I will be filing a complaint with the FTC and the CFPB, while we're on the phone. They are telling me that they are not going to refund the XXXX and the account can not be reopened. This company has done identity theft and violated all of my rights pursuant to 15 USC 1691, 1691 a-f, 15 USC 1681, 1681a-t. I want both my accounts back minus the charges that that I've stated are unauthorized and I want an extension of credit that I wasn't allowed in the status of unlimited credit. Also I started back using my Capital One XXXX card and that card has been closed again without my knowledge and they are trying to say that because I stated there are unauthorized charges on XXXX account that this is their reason for closing both accounts. I am requiring both accounts with unlimited credit benefits. They have violated my 15 USC 1681 for reporting on my credit reports without my written permission and refused to remove the information.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (IL)

equifax does not consider what im saying i have no relantionship at all with XXXX XXXX so investigate their inquiry and as far as XXXX is concerned i only applied twice with them so 2 inquirys is most i should have not 4
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian continues to report the wrong name on my credit report as well as wrong address. I have submitted two forms of identification as well as a paystub that shows my proper name and address. My name has not changed and has been my name for my entire life. I have a joint last name.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-06-06
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. (PA)

In regards to loss of employment I asked lender for a deferment extension. This however extended the loan and paid off XXXX months that I missed it was not clear to me that XXXX months will be paid off but I will always be behind in payments because of the accumulation of interest. However fast forwarding to when I had to begin making payments again I was paying for the months that I supposedly missed. They then however reported my account as delinquent due to late payments when that was not apart of the agreement. The bigger issue is that I was told I will not be able to receive the documents that were signed. I was mislead within the process and it has affected my credit and personal life because I consistently make double payments but will stay in the negative which isnt legal or fair to me as a customer. I dont know what to do and I am in desperate need of help.
Consumer complaint received 2023-06-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Acoount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX trust with monthly installments of XXXX per month. This information needs to be removed from all credit reporting
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a request for my personal information to be updated with XXXX, XXXX and TransUnion. I made this request on XX/XX/scrub> 2024. The information has not been corrected, nor have they responded to my request.
Consumer complaint received 2022-12-07
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2020-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (TX)

Over the last 9 months, I've received hundreds of calls from this company using several different numbers to try and collect on some kind of debt. However I don't have any unsettled debts. Some of the phone numbers they have called from are : XXXX, XXXX, XXXX, XXXX, XXXX. They have violated multiple rules, calling before XXXX XXXX, calling from multiple numbers many times on the same day. My phone number is on the do-not-call registry. They ask for someone named XXXX, and I've explained I am not that person, nor do I know that person and to remove my number. They have continued calling, despite this. I have never done business with this company, nor have I given them permission to call me. I have informed them that I'm on the do-not-call registry and warned them that they are violating the law in calling me, but they persist.
Consumer complaint received 2023-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 2022-12-07
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. (TX)

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