davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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. (CT)

Back in XXXX of 2018 I believe it was I transferred my title of my vehicle from XXXX  to XXXX. In doing so I had to pay the sales tax off on the loan for the remainder of the lease to even be able to register in XXXX  state. I went ahead and did so. For numerous months XXXX XXXX was overcharging me ( principal + interest ) on interest I was required to pay off before registering the vehicle. After numerous phone calls and countless numbers of attempts they said that they looked into the problem and correct my bill to just principal in which I owed. I was still getting charged in XXXX for interest I had paid in full in XXXX as numerous phone calls and no help on their end could not correct it. I went ahead after talking to numerous XXXX XXXX agents and paid my principal on the loan in XXXX of 2018, XXXX XXXX  Reported that I paid only the interest and reported me for late payment. I was being overcharged essentially and paying it so a problem would not occur and this situation would not happen. I have proof on my personal bank statement that the principal was paid in full for ever month ( More importantly XXXX ). This is a computer error on XXXX XXXX incompetency on correcting the problem. My account is fully paid and fully closed with them and I am still struggling with getting them to correct their mistake. My credit report has been perfect to date and this is seriously upsetting that it has not been corrected. I am just looking for resolution in them doing what it right and knocking this incidence off of my credit report. Thank You.
Consumer complaint received 2019-12-08
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. (CA)

I have tried several times today to find out what the status of my credit freeze is on Experian 's website but am unable to go anywhere. 

It points me to this page to call Experian but there is no way to get to a human to resolve my issue. 

And I feel they are making getting a freeze / unfreeze process in place intentionally hard and pointing me to their paid service. I have no interest in that. 

I need to unfreeze and check my report as well as potentially apply for new credit TODAY. 

How can I get help since Experian is not able to help?
Consumer complaint received 2019-07-12
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. (OH)

Called Experian, XXXX, XXXX multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution
Consumer complaint received 2019-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrated Asset Recovery LLC (FL)

I have been sending letters to XXXX XXXX since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit report!!!! If I dont get the account removed ... .Im gon na take legal actions against Portfolio Recovery for harrasing me and attempting to collect a debt that DOES NOT BELONGS TO ME. Lastly, XXXX XXXX broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with Portfolio Recovery.
Consumer complaint received 2019-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MS)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAC Financial Corp (NJ)

CAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This appears on my credit report, same address as XXXX XXXX collection agency who has no idea who i am when called. i have no idea who CAC is and what its in regards to and neither do they. Whats with credit reporting agency 's claiming to not know who i am and having open accounts on my report. Please remove your name from my report.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have purchase my vehicle back in XX/XX/XXXX. End of XX/XX/XXXX I tried to get a refinance with my vehicle an I have been denied due to capital one not reporting my payment history from XX/XX/XXXX to XX/XX/XXXX. This has affected me from getting my refinance. Filed a Dispute with them once got a completion an no fix. Tried another Dispute was put down for completion again with no fix. Im sick an tired of getting pulled around with a issue that has nothing to do with me. Its affecting my life because of them. What can I do to fix that ASAP
Consumer complaint received 2022-10-03
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. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX  XXXX Date Opened : XX/XX/1995 Balance : {$21000.00}
Consumer complaint received 2023-01-05
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2019-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc. (FL)

I underwent XXXX and paid out of pocket. Before the procedure I inquired about the price and was given a price ( in writing ). The morning of the procedure I was asked to pay {$420.00} more than I was told. Under duress, I paid, but told them I disputed the difference and they told me to contact my doctor 's office, who had given me the pricing. I contacted them after the XXXX and they said I needed to speak with the XXXX  center, who sent me back to my doctor. I disputed the amount of {$420.00} with my credit card company because I was told the procedure pricing well in advance and it's not my fault they were wrong. I've spoken with the person who gave me the original quote in writing and they said they've contacted the XXXX  center to remove this debt but that was months ago, and the debt is now on my credit report.
Consumer complaint received 2020-01-14
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F.H. Cann & Associates, Inc. (NC)

Complaint against F. H. Cann & Associates Inc I have contacted the collection company F. H. Cann & Associates, Inc several times, agree to pay {$200.00} ( set up auto pay ) instead of {$1000.00} per month. I am unable to afford to pay {$1000.00} per month. I have water, electric, child expense, repair membership fee, medical bills, ... etc. I can not afford to pay {$1000.00} per month, And in fact, F.H Cann did withdraw {$200.00} per month from my bank for many years. 

Now, F.H. Cann & Associates Inc threatened me and released my debts to XXXX, XXXX, XXXX, etc., which stated that " late payment, serious delinquency '' were false allegations and false statements, and violated consumers ' privacy rights. *** I set up an automatic payment of {$200.00} per month, and this debt collection company does withdraw money from my bank every month. 

There is also FH Cann & Associates Inc. The malicious intention is not to use its company name to represent XXXX, XXXX, XXXX  ... and other credit reporting companies. They use the " education department '' name to represent XXXX, XXXX, XXXX ... company, that is ( 1 ). False statement, false accusation ( 2 ). Violation of customer privacy ( 3 ). Destroy my reputation, character and professional career and unable to get any credit cards or get loan and unable to find job.
Consumer complaint received 2019-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

i monitor my credit with XXXX and the following appears on my credit report.CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, MI XXXX as an open account. I called them up on phone asking who and what they are and what owed if anything. They asked social security number and then stated they do not have anything with me on their files. who? what? why are they appearing as open account if not knowing who i am? i told them remove your name from my report and was told they do not have to, for me to call reporting agency and do it. 
is that lawful?
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (TN)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-07-31
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. (MA)

On or about XX/XX/2019 I submitted a dispute with EQUIFAX about a report of being 120 days late on a payment to DEPT. OF ED/XXXX. I never had any dealings with XXXX. I am unable to contact or address my report that they say is complete. They say I have a 100 % payment history but still have this on their credit report. XXXX   and XXXX have resolved this problem.
Consumer complaint received 2020-01-14
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. (GA)

My information/identity has been compromised via XXXX Credit reporting. XX/XX/XXXX I received an e-mail stating my e-mail address had been changed ( which i did not do ). I use XXXX XXXX to monitor my credit. The following day I also received a notification stating there had been a " hard inquiry '' via Transunion using my identity. I have contacted the company that completed the inquiry ( XXXX XXXX XXXX ) and they have been little or no help. They keep referring me to XXXX. I have tried numerous times via telephone to reach a live person to resolve this issue. Every number I get leads to an automated message ( no options to speak to anyone ) I finally relented to sending in documentation ( my picture Id, copy of a bill in my name with address, and a screen print of the hard inquiry with the company in questions name ) requesting removal of this hard inquiry and placing a fraud alert on my accounts. I also placed a security freeze on all my accounts pending resolution. I'm mostly concerned : 1 ) with getting this removed from my credit permanently 2 ) The fact as a consumer someone can compromise my identity with a few clicks of a button and possibly a telephone call. I on the other hand have to go to great lengths ( still with no satisfaction ) to get to speak to someone to at the very least alert someone immediately to flag my account or something of this nature. It is very unsettling to just hang in the balance, until someone may receive a piece of mail and then process it, all the while someone could be out there using my personal information. Please contact me asap and assist me in resolving this issue. Thanks in advance.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I have been with XXXX for many years I would say over 10 to be exact. Two years ago I rcvd a notice that I had a delinquent account and I was like that's not possible I called XXXX and they said we don't see that you are delinquent. So I disregarded the notice. When I then rcvd another one saying I was delinquent called back and gave them the account number on the notice and they found an account in my name for I believe XXXX dollars. I advised them that was not mine and that my real account with them has never been delinquent. They researched the account and found that it was a fraudulent account and deleted that account. About two months after that I started getting another delinquent notice from XXXX  but this time is was for XXXX for a phone and a phone line. I called XXXX  saying I rcvd another notice about another account in my name that was opened. When they researched it they stated that they would not remove it because the number associated with the fraudulent account called my real number. I told them how was I supposed to know that someone who obviously stole my info would call my number. The pretty much told me that I would need to research it myself to see who stole my info because its someone I know. The only thing they told me in regards to the fraudulent account is that someone went in one of the stores and opened the account and that they could not do nothing because it was a 3rd party authorize company. I told XXXX  that they would still be liable because before a new phone line is opened they have to verify my identity by looking at my ID and this did not happen because they would have seen that this person was not me. To this day I still have my real account with XXXX  but they are still holding me liable for letting someone open an account in my name
Consumer complaint received 2019-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (KS)

When I took out the CareCredit credit card I enrolled in the optional payment protection plan that would pay the credit card off in the event that I became unemployed or disabled. I filed an initial claim in XX/XX/2019 after I was hospitalized for attempting XXXX. Although, I made the minimum monthly payments and have been told not to work as I suffer from several XXXX   conditions that have made me permanently XXXX and have a doctors statement confirming I have been receiving XXXX  since XXXX when I was originally hospitalized the insurance is not paying off the credit card despite it being their contractual obligation. 
Subsequently, CareCredit has referred the matter to XXXX XXXX XXXX, despite my not owing this bill because the optional insurance should have paid it off. Demand for payment was made, despite my not owing to the bill. 
XXXX XXXX XXXX as a business associate of CareCredit needs to go through the dispute procedures to get insurance to pay off the credit card per the options insurance terms & conditions. 
If they need a copy of the doctor 's statement I am happy to provide it or if they have a claim form to get the retroactive payment I am happy to have it completed by my doctor. 
Let me make it clear, I am happy to give the information to have insurance pay the bill but I refuse to make any payments as I do not owe this bill. Should XXXX XXXX XXXX choose to take this matter to litigation, I will be happy to file a countersuit for tortious interference with a contract as well as any and all legal options I may have available to my disposal. 
Further, it would be in XXXX XXXX XXXX best interest to get insurance to pay this off as I only receive XXXX which is not able to be garnished for civil litigation.
Consumer complaint received 2020-01-14
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. (GA)

My information/identity has been compromised via Experian Credit reporting. XX/XX/XXXX I received an e-mail stating my e-mail address had been changed ( which i did not do ). I use XXXX   XXXX  to monitor my credit. The following day I also received a notification stating there had been a " hard inquiry '' via XXXX  using my identity. I have contacted the company that completed the inquiry ( XXXX  XXXX  XXXX  ) and they have been little or no help. They keep referring me to Experian. I have tried numerous times via telephone to reach a live person to resolve this issue. Every number I get leads to an automated message ( no options to speak to anyone ) I finally relented to sending in documentation ( my picture Id, copy of a bill in my name with address, and a screen print of the hard inquiry with the company in questions name ) requesting removal of this hard inquiry and placing a fraud alert on my accounts. I also placed a security freeze on all my accounts pending resolution. I'm mostly concerned : 1 ) with getting this removed from my credit permanently 2 ) The fact as a consumer someone can compromise my identity with a few clicks of a button and possibly a telephone call. I on the other hand have to go to great lengths ( still with no satisfaction ) to get to speak to someone to at the very least alert someone immediately to flag my account or something of this nature. It is very unsettling to just hang in the balance, until someone may receive a piece of mail and then process it, all the while someone could be out there using my personal information. Please contact me asap and assist me in resolving this issue. Thanks in advance.
Consumer complaint received 2019-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

When I took out the XXXX  credit card I enrolled in the optional payment protection plan that would pay the credit card off in the event that I became unemployed or  disabled. I filed an initial claim in XX/XX/2019 after I was hospitalized for attempting suicide. Although, I made the minimum monthly payments and have been told not to work as I suffer from several mental conditions that have made me permanently disabled and  have a doctors statement confirming I have been receiving treatment since XXXX when I was originally hospitalized the insurance is not paying off the credit card despite it being their contractual obligation. 
Subsequently, XXXX has referred the matter to Portfolio Recorvery Associates, despite my not owing this bill because the optional insurance should have paid it off. Demand for payment was made, despite my not owing to the bill. 
Portfolio Recovery Associates as a business associate of XXXX needs to go through the dispute procedures to get insurance to pay off the credit card per the options insurance terms & conditions. 
If they need a copy of the doctor 's statement I am happy to provide it or if they have a claim form to get the retroactive payment I am happy to have it completed by my doctor. 
Let me make it clear, I am happy to give the information to have insurance pay the bill but I refuse to make any payments as I do not owe this bill. Should Portfolio Recovery Associates choose to take this matter to litigation, I will be happy to file a countersuit for tortious interference with a contract as well as any and all legal options I may have available to my disposal. 
Further, it would be in Portfolio Recovery Associates best interest to get insurance to pay this off as I only receive XXXX which is not able to be garnished for civil litigation.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one bank took over Walmart accounts in XX/XX/XXXX me and my wife have had nothing but problems now claiming I do not make payments, payments not on time and were getting charge late fees according to capital one my I owe almost XXXX due to late fees which is untrue I make my payments every month on time they claim I do not yet my checking account shows different my wife card I paid on XXXX XXXX she gets email claiming payment late on XX/XX/XXXX this bank is trying to XXXX us both and charge us late fees this is total XXXX I tried to get them to fix my account they refuse I ask for person in California to serve notice, as I will take them to small claims for fraud they refuse to give me the persons name and I have tried to get this info for 2 months now I closed my account do to this XXXX and I will not pay them any late fees period my payments are always on time for my other credit cards no issues yet Capital one is trying to XXXX us out of money now