davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-29
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. (TN)

Experian will not remove XXXX XXXX XXXX off my credit report. 
I have report to customer service about my situation. 
I have sent in Police Report. 
XXXX XXXX XXXX use my # SS number and IDENTITY to put on car loan.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AAA Auto Title Loans, LLC (AZ)

I got a registration loan with Cash 1 DBA AAA title loans. I am late, but having financial problems. I did explain that I moved to XXXX and commute to work, until my new job starts. They are calling my work, asking for my boss or me. when I told them not to from the start to not call my work. XXXX and XXXX claim they can but I work with the CFPB laws on my current job and know otherwise. They are also, leaving very detailed messages on my home/ cell phone, that even my roommates hear it, being we share the same phone. It is on my loan saying that I am late and they need my payment, with more detailed info etc. It is very detailed. I have continuously told them do not leave a message and now for the continuing harassment at my work, told them to stop calling me or my work. I even sent them a letter on it. I even have voicemails saved to prove it. My roommates just called me today and told me that they left another detailed message.
Consumer complaint received 2023-03-02
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. (CA)

Dear CFPB, I was legitimately late, but writing to explain the circumstances that led to the late payments and request your assistance with these two accurate late payments. The late payments are listed on my XXXX XXXX XXXX for XXXX, XXXX  and XXXXXXXX XXXX The account number is : XXXX My first ever consecutive late payments in 5 years with XXXX XXXX were due to a Federally Declared Disaster in California, a death in my immediate family ( death certificate available ) and my household getting infected with the XXXX XXXX  around the time of my two late payments ( explanation letter sent to XXXX attached ). 

I asked if they can please remove these late payments because my home 's refinance was stopped due to the two lates and our family is now in danger of loosing the home, but they sent a letter saying they have to report it by law and have no discretion to make a good will adjustment. Oddly enough, despite all my calls no executive wanted to get on the phone with me to confirm or deny this lack of discretion, and no officer or director answered any of my calls or voicemails.

While the creditor is not doing something illegal, they are definitely being unreasonable in not removing my first ever late payments to them in five years of on time payments.
Consumer complaint received 2022-02-10
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. (TX)

Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the 2nd of two in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the 3 credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-02-10
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 (NY)

I'm filing a complaint against Capital One credit card service. Capital One closing my account because of 2 paintings that was returned one for {$400.00} the one for {$480.00}, somehow Access my account and added two Banks make payments when I had one bank account login or link to them these two payments were returned what I notice Capital One telling me that my card is restricted I called him right away they're finding me guilty of these two payments of {$400.00} to {$480.00}, The interesting part of her about this is that they're not listening to me okay and they're finding me guilty of something I didn't do I advised them to check the IP address like other Banks do and like the Federal Reserve told me to tell them to check but they refuse to do that so they close the account and want me to pay my bill when they found me guilty of something that I didn't do they're not believing anything that comes out of their customers mouth and I'm not the only one they're doing this really feel like too what what do. Capital One is not considering my import Capital One is not listening like I said Capital One is 20 mi guilty of those two payments my other bank which is tied in or link to Capital One i where I works XXXX, First payment from that bank was returned because they didn't know I had a Capital One credit card and I didn't inform them that I link accounts to make payments but I made good on it I made the {$130.00} payment which came from that bank XXXX Then I made {$250.00} payment and both come from XXXX Bank with no problems. But this XXXX & XXXX and XXXX  XXXX XXXX I never link it and I had to remove it on my own with my XXXX account, Basically Capital One was breached and someone add a new account leave payments in Capital One is not listening to me like I said and not verify the IP address. Plus, twice my account was unauthorize charge and then there reissued a new card.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I requested validation of debt pursuant to XXXX XXXX XXXX. I received a letter and a bill, which is not an adequate response according to XXXX XXXX XXXX I am requesting all documentation required. I notified Lead BANK ( Capital one ) of the identity theft fraud and yet they still claim that the account is allegedly mine. I demand Remedy of the alleged debt being removed from all reporting agencies and invoice of Federally Protected Consumer rights violations being paid in full by check pursuant to XXXX XXXX XXXX. XXXX and Remove Account. 

Pursuant to Regulation XXXX of the CFPB XXXX XXXX ( Capital One ) is in Violation. I DEMAND they be held accountable. 

Thank you
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

XXXX debt was sold to ERC collection company on XX/XX/XXXX. Settlment offer made from ERC to pay {$540.00} and this was paid on XX/XX/XXXX. XXXX was removed by XXXX and has since within the last few months had a balance of XXXX added back on. Trying to figure out what happened I made several calls to attempt to resolve. I finally spoke to XXXX XXXX whom is the Senior Manager at XXXX XXXX office of the president, his employee ID is XXXX. He outright refused to help me but did offer me a settlement to pay the already paid balance at half of the amount owed to make it go away. I paid it and this is unfair to misrepresent a debt being settled then having the original creditor come back around to collect on the balance between the original debt amount and the settlement offered.
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm " XXXX XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm this records ( 1 ). ( A ). I'm confident the contested records is settled. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$44.00}
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GAMACHE & MYERS, PC (MO)

Gamache & Myers P.C. out of XXXX XXXX, Missouri is harassing me for a debt that is not held with them, and they are not reported as a debtor on my credit report. They have served me at my home on XX/XX/XXXX. They have filed a judgment against me in XXXX XXXX, and then on XX/XX/XXXX, they served my former employer with a garnishment of wages and direction to serve person in charge displaying all of my important information such as the last four of my social security number. I feel that my rights have been violated because I do not know who might have received my paperwork. This law firm needs to be investigated for how they conduct business. 

XXXX XXXX
Consumer complaint received 2022-02-10
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-02-10
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 submitting this complaint because I am very unhappy and XXXX and XXXX. My XXXX and I are trying to buy a house to move our family into a nicer neighborhood and in the process of repairing my consumer report. I sent Experian an identity theft report thru the XXXX and they are stating that the report I sent they can not accept because it wasnt from a law enforcement agency. I was reading some of the resources that the CFPB provides and it states that the report can be from a state, federal or law enforcement agency. So I am confused why Experian would see a reply like that when the XXXX is a government or federal agency. In addition it is asking for additional information I had already provided. This is a very serious matter. I believe experian is giving me the run around in resolving this matter. I provided everything that was needed for a identity theft complaint or dispute. Identity theft can be committed by companies as well not just human beings or people like me. That is what I gathered from the reading material from the resources on the CFPB website. I have doing some study because we have to move out of the neighborhoos my family is in because it is dangerous. And EXPERIAN is making it difficult by not doing a proper investigation and prolonging the outcome by asking for things that have already been provide. Is this conduct violating some type of federal and/or state laws. This is very frustration aslo because their automated system gives me the run around when trying to speak to a live person. This is very stressful and the neighborhood is dangerous. I fear for my family safety. Isnt it a time limit to delete the information that came from the identity theft? I believe the resoures say it is XXXX days from the time that EXPERIAN receive notice. The information is still on my consumer report. I need help with this because EXPERIAN is allowing this to ruin my consumer report and is trying to pray on my ignorance of the law by asking for information already provided. In addition I can not speak to a live person. I feel this is delibrate, it is unfair, and unamerican
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

When I filed for bankruptcy, my lawyer included my car loan in the bankruptcy against my directions. The loan was paid in full. I have the title and the letter from the bank that states these facts. I have filed a dispute with XXXX and they still have not changed the info on my credit report. This is very, very unfair. I paid the loan off either on time or maybe 1 month late. I am not sure. Please Help!
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

Experian is claiming the following issue concerning an unknown account to me : Your credit limit {$1000.00} Your credit card balance {$1300.00}. I don't have a credit card limit of a {$1000.00} nor a balance of XXXX. I never applied for this card. Experian never provided the name of this credit card nor the bank it's from. I have theft protect with all the XXXX Credit Bureaus. So how could this happened.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Problem with J.P. Morgan Chase. 
Our business, the XXXX XXXX XXXX XXXX XXXX, has held accounts and credit cards in good standing with J.P. Morgan Chase since XXXX and until now they have acted efficiently and professionally. 

However, on XX/XX/XXXX, our CPA asked when we would mail payment for his tax preparation. We asked if he had received XXXX # XXXX, dated and mailed on XX/XX/XXXX. When he replied that it hadnt arrived we immediately contacted Chase and placed a stop payment on the check and mailed our CPA a replacement that he received and deposited. 

Out of curiosity I used Chases phone access to see the status on XXXX # XXXX and learned that the check was cashed by one XXXX XXXX who is unknown to us and the original sum of {$2300.00} had been forged to {$5100.00}, which he received. 

Contacting Chase on XX/XX/XXXX, we reached their fraud departments executive headquarters at XXXX XXXX ext. XXXX where XXXX was assigned to our case and sent an affidavit for the payee and us to sign, mentioning a check image would be enclosed. By Friday no affidavit had arrived and he said it was mailed and did arrive the following day. He created a case number : XXXX and said it would require them to contact the defrauders bank to discuss the transaction and it could take weeks or months, unlike their immediate response to return stolen funds when credit card theft occurs. 

We called on XX/XX/XXXX to ask about the missing check image and reached XXXX voice mail stating that he out until XX/XX/XXXX and XXXX, a colleague, stated that our case had been closed without explaining why and said that they can not provide an image of the forged check. It should appear on our next monthly statement that hasnt arrived yet but Chases evading to make good on a stop-payment check that was forged to more than the double requires investigation!
Consumer complaint received 2022-02-10
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-03-02
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00}
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I had received a notification on my credit report that Capital One had made a Balance Update on XX/XX/2024. This card has seldomly been used since it was opened back in XXXX then called Capital One to ask why the balance had been updated as it has not been used in years, and is actually in the " restricted '' status. The first representative could not find the information requested so i asked to speak with a supervisor to get more detailed information. After speaking with a supervisor for about XXXX minutes, they still were unable to tell me why there was a balance update. I am not sure where else to go to receive help with this request, as they are telling me nothing else can be done and they do not know what the update was/ or for.