davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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. (CA)

I'm a victim of ID Theft. Upon my husband 's death early this year someone got his phone number and used it to access his XXXX Drive that had all our information. I put a credit freeze on my name. Somehow XXXX ignored the credit freeze and opened an account on my name that is NOT mine. Obviously the thieve is not paying the account. now my credit report is being damaged.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Technologies, Inc. (CA)

This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies
Consumer complaint received 2015-11-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First National Collection Bureau, Inc. (IL)

Per my XXXX credit report this company has unlawfully and doesnt so without my permission pulled my credit report XXXX times in the last 18 months. The information below is taken directly from my XXXX credit reportFIRST NTL COLL BUREAUXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-05-20
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. (MD)

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX 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. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDEN 1 CREDIT UNION, THE (CA)

This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! Thus this should NOT show up on my credit report and must be deleted with all three credit agencies.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I've started 7 disputes with Citicards against an online merchant that failed and stopped to provide services..The charges were XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, $ XX/XX/2017 {$2900.00}, XX/XX/2017 {$2800.00}. Citicards failed to protect my consumer rights.
Consumer complaint received 2021-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a loan with XXXX/WALMAR. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting XXXX  and XXXX  Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had filed a credit card dispute for a {$9000.00} purchase I made while on a cruise stop in the XXXX XXXX. The purchase was made on XXXX and the dispute was filed on XXXX. 

They requested me to send them documents via the postal service. I asked if there was a way I could email the documents and they sent me an email with a means to securely upload documents that would be active for 14 days. Each time I uploaded documents, I received a notice in my account that the documents had been received. I also made several phone calls to confirm this and check the status and they always had a record of any calls I made. 

On XXXX, they informed me that the merchant had responded and my dispute was denied and my case was closed and they rebilled me for {$9000.00}. They also told me I could dispute the decision and submit additional information to support my case. On XXXX I submitted XXXX documents to them and did not receive a notice in my account that they had been received. I contacted them on XXXX and was told that my documents had been received and a decision had been made on XXXX and I lost my dispute and they could no longer help me. I spoke with a supervisor named XXXX that day and she confirmed everything the customer service rep said and they could no longer help me and I would receive a notice in the mail. 

On XXXX, I contacted them again as the date to appeal ( XXXX ) was approaching and I had still not received anything in my account to show my appeal documents had been received and the case was re-denied. I spoke with a girl named XXXX and she assured me they had received the documents, my case had not been decided and that I should hear by the end of the month. I liked that answer better so I chose to accept it and wait a few more days. Again I asked why I had not received notification in my on-line documents and she had no answer. 

On XXXX I contacted them again. This time they had no record on my conversation with " XXXX '' and reconfirmed that my case was in fact closed and they could no longer assist me. I spoke with another supervisor, XXXX, and she was sympathetic but assured me my case was closed at Capital One and I would have to work something out with the merchant. 

Since I resubmitted my documents on XXXX, Capital One has been less than helpful. Their dispute process is very cumbersome and when they stop communicating, they stop communicating and you are on your own. 

I have since paid the {$9000.00} to Capital One, finally received my products on XXXX.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (MD)

I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2018-09-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I have been receiving letters and phone calls from.the mortgage company stating than I am in default on due to non hazard insurance. 
I have sent copies of my home owners insurance to them by fax, mai! 
And so bad the insurance company. 
The dates of the letters are XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX. 
I talk to people in customer service but still get unwarranted calls and letters.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have been in dealings most recently with the Equifax Office of Executive Consumer Affairs, XXXX XXXX XXXX from XXXX XXXX - Today ( CURRENT AND ONGOING ). The extreme negligence being exhibited by her and her office as well as the Equifax Office of Consumer Affairs and their Fraud department violates so many laws of the FCRA. I have attached both a letter and a breakdown of all accounts that are currently wrongfully being reported on my credit file that I sent to them on XXXX XXXX, 2015. These wrongful acts range from either reinserting previously deleted information, their direct removal of accurately reporting accounts, and adding inaccurate personal information even though on a total of now ( 19 ) occasions they have been provided all necessary documentation to support my claims. XXXX XXXX XXXX is still actively working on my file and continues to wrongfully act on my behalf.
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX XXXX, XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU of consumer financial protection transition, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the consumer financial protection bureau. On XX/XX/XXXX congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. The resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or particular kind coin or currency... are inconsistent with declared policy of congress.. in the payment of debts. This resolution declared that any obligation requiring '' payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if Information.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I refinanced my car loan with another institution and paid off the original loan. That was in XXXX. I have called the original institution because 2 months later my loan still shows as open. My credit score dropped XXXX points because it looks like I have 2 car loans. I called again today and they told me to bring them my credit report to show that it is still open. I cant go because they close when I left off work.
Consumer complaint received 2023-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I received 2 collections charges on my credit report from collection agency called XXXX XXXX XXXX for the amounts of {$890.00} and {$940.00}. The original charges occurred from the company XXXX XXXX XXXX. The collections account was opened on XX/XX/2023. I have filed a police report and an identity theft case. I reported this fraud to Equifax online and over the phone to XXXX XXXX XXXX and to XXXX XXXX XXXX.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

To Whom it may Concern Im requesting to have items my credit reviewed Ive been writing letters and theres things that never are addressed. 

1. I am requesting that the credit ( FREEZE and the ALERT ) on my credit be REMOVED totally off my credit report. 
2. The phone number on my report is incorrect, it should XXXX 3. The address is in correct it should be as follows ( XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ) 4. My credit was run at a car lot there were not supposed to run my credit and there were,20 inquiries added to my credit ( l am attaching letter from there business manager ) on there letter head all the inquiries were added on XX/XX/XXXX and the XXXX XXXX. There were 5 other in XXXX I never saw that are not mine. 3 from XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX 5. I have a paid auto that was removed off my account not sure why, but Im attaching the paid off slip and the email that was sent to me ( Im requesting to Have XXXX XXXX XXXX Added Back to My report ) I am demanding these things be taken care of immediately, Thank You for your time. 

XXXX XXXX
Consumer complaint received 2019-02-01
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. (FL)

I was never late paying my accounts XXXX/XXXX XXXX XXXX XXXX, and XXXX XXXX I disputed the accounts with Experian and XXXX but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-01-31
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: WELLS FARGO & COMPANY (TX)

They sent me an arbitration letter and he said I had to sign it now or I would be subpeona at my job the following day and that I had to pay a down payment which I paid {$75.00}. I asked if I could just call him back so I could look up the account information he was referring to. He said he would take my home if I didn't pay. I signed the letter because I was freaking out that he wanted to take my home. So that was mid XX/XX/XXXX, then he was supposed to take an additional {$830.00}, but then I called my banking institution and spoke to their records dept and they gave me a different account number. So I called the debt collector back and he said they had the right to change the account number and that I had to pay by XXXX XXXX time. I told him I would pay any valid debt, but wouldn't pay on an account that wasn't mine. So I asked him to re-send the paperwork with the correct account number and he refused. I called him back to tell him I spoke with the Attorney General and the FTC and he started yelling at me and said " good luck winning in court '' and hung up on me.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (TX)

The company, LEWIS MCDONNELL & ASSOCIATES, purchased deb from another company and I had no involvement with the transaction. According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is, XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) the term " BUREAU '' means the Bureau of the Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. The resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation require " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-05-20
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus 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 update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX