davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, XXXX XXXX XXXX put it back on my credit report. They are trying to collect a debt from Capital One that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and XXXX XXXX XXXX are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of XXXX XXXX XXXX C.E.O. As a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth.

Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from Capital One. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If Capital One approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!
Consumer complaint received 2022-03-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-01-31
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. (CT)

On XX/XX/XXXX, my credit score with XXXX was XXXX & with Equifax it was XXXX.I closed a credit card account I had-XXXX  XXXX, I paid them off in full but in XXXX, they reported to the 3 major credit agencies that I was 30 days late.I sent XXXX, Equifax, * XXXX PROOF that I paid this account in fullXXXX XX/XX/XXXX, XXXX raised my score up to XXXX & XXXX XXXX XXXX XXXX XXXX XXXX followed them with the exact same score.ONLY EQUIFAX, from last XXXX XXXX UP TO NOW STILL HAS MY SCORE AT XXXX!!!!!!!!! I checked my score with XXXX in XXXX, it is XXXX XXXX, I received an e-mail stating XXXX XXXX admitted I was NEVER LATE WITH ANY PAYMENT!!!!!!!!!! I've sent all PROOF along with other numerous letters to Equifax-THEY REFUSE TO RAISE MY SCORE AT ALL!!!!!!!! HOW CAN 5 credit agencies have my credit score at an EXCELLENT RATING & Equifax HAVE IT AT ONLY A FAIR RATING? EQUIFAX IS BEING TOTALLY UNJUST, UNFAIR, & INCORRECT WITH ME & MY CREDIT SCORE!!!
Consumer complaint received 2021-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

To Whom It May Concern, I have proof from my banking institution that my mortgage holders successfully received every payment in full through to this date. When the previous mortgage company, XXXX XXXX, changed hands to Shellpoint, my ongoing problem began on XX/XX/XXXX. 

Shellpoint has consistently, month after month, claimed I was a month behind in my mortgage payments, charging me a late fee and affecting my credit. I have regularly called and written to Shellpoint to provide adequate proof of every payment they have questioned thus far. Shellpoint never assigned a solitary account representative to work with me to see this through to a resolution. The response is always, if you have any further questions, feel free to reach out to us. 

In our last communication dated XX/XX/XXXX, Shellpoint responded : that they rectified the XXXX payment in question, but now XX/XX/XXXX, was made in short, which is not the case. This situation has been ongoing for over a year now. I can not continue to go through this anymore. Shellpoint continues to give me the runaround. Shellpoint has yet to claim the missing payment ( since there isn't one ) but continues to charge me late fees. I made all of my mortgage payments on time. 

Regarding the XX/XX/XXXX payment that I made to XXXX XXXX, I sent a partial payment to match the funds in my Suspense account. In XXXX, the following statement from XXXX XXXX showed the XXXX payment I made was payment in full.
Consumer complaint received 2019-03-29
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. (NJ)

I have many fraudulent accounts on y reports. I have old accounts thats passed the 7 years thats not mines. I need these to removed. I contacted the companies they stated contact the credit bureaus. Its affecting my life for my wife and children
Consumer complaint received 2022-03-03
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. (AZ)

My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (AL)

I am writing to you to complain about Common Wealth Financial Systems .. I have found adverse account information listed on my credit reports. Under account # XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to. XXXX, XXXX & XXXX as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of { {$880.00} }. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times. Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.
Consumer complaint received 2022-07-08
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. (VA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX acct # : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

This is now our XXXX complaint against Midland Credit Management. 

The prior details can be seen in complaints XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX ) We have attempted to resolve the debt with the company. However, we constantly get bounced from department and department. Are told conflicting and contradictory information. Told we would be called back, and would not be. 

Upon learning of the CFPB lawsuit and settlement with Midland Credit Management, and feel we may in fact be covered under this case. 

We are unsure if we have ever received the complete and full documentation on my wife 's case. However, my wife was never served in this matter. The proof of service they have is for one XXXX XXXX, who she does not know nor did not reside with. We have informed Midland about this multiple times. A simple address look up will inform them that no XXXX XXXX resided at the residence on the service. Despite their fraudulent statements and filing knowingly false information with the court we are willing to negotiate based off the original amount of the debt. Midland 's failure to notify and give proper service is their fault not ours. She was never notified of the case until XXXX, and never had a means or chance to provide a defense due to their negligence.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

hi I'm writing to inform you I have unauthorized charges on my debit card and the bank won't return my money Bank name : Citi Bank Dates : XX/XX/20 {$160.00} XX/XX/20 {$550.00} XX/XX/20 {$220.00} XX/XX/20 {$180.00} XX/XX/20 {$670.00} XX/XX/20 {$290.00} XX/XX/20 {$670.00} XX/XX/20 {$1400.00} i sent a police report and no action has been taken
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (OH)

I notified the credit reporting agencies that a particular credit card account with XXXX XXXX was not mine. The other reporting agencies deleted the account from my report except Experian. They continue to keep the account in my report despite my repeated requests for them to delete it. I never opened, signed for, or used that credit card account. It is not my account. I want it removed. XXXX advised me to request that the account be removed from my credit reports since it is not my account.
Consumer complaint received 2019-03-29
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: EQUIFAX, INC. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, XXXX { XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX XXXX/XXXX.
Consumer complaint received 2018-09-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX reported me late when I had been in contact with them to resolve the issues. I had been paying and making agreements with XXXX XXXX to not report me late but accept the partial payment until I could rectify the problem.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (AL)

I filed a complaint against XXXX XXXX because they were incorrectly reporting to the credit bureau. Their response was a copy of my payment history which was not what my complaint was. 

I did a volunteer surrender in XX/XX/2016 of my vehicle. Since then XXXX XXXX have sold the vehicle, which they did not provide me a copy of the sale. In addition XXXX XXXX did a write off for a loss with the department of XXXX. 
Upon further research I learned that since XXXX XXXX was able to use my account as loss they should not be reporting to the credit bureaus.
Consumer complaint received 2022-03-08
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. (MA)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

CHARGE OFF XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Consumer complaint received 2020-07-29
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

I made a transaction of {$400.00} on XX/XX/2023 on CashApp to an individual online whom I thought I knew. That person was hacked. As soon as I realized the transaction was hacked I notified CashApp to stop payment. I notified them in less than 20 minutes. The payment had not gone through. The payment showed pending all day. Later on that day, the payment was processed through to the hacker. I've tried 4 times for CashApp to explain why they have not refunded my money. They told me they were not going to refund my money but they would look into the transaction to learn. CashApp is a fraudulent company.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TX)

In XXXX, XXXX XXXX increased my limit on two credit cards. However, XX/XX/XXXX XXXX decreased my credit limit which increased my credit utilization to 93.6 % utilization. On XX/XX/XXXX, XXXX then decreased my credit limit on 4 retail cards so that now all my utilization levels are at 90 % or more. They state the reason is that my credit score dropped dramatically in one month. However, how does this protect the consumer? I repaired the issue that affected my credit which was a medical bill and late payment that is now current and paid over XXXX in debt this month, but this company went above and beyond to harm me as a consumer. When I explained to them how does this protect consumers since capitalism is based on the money spent by individuals. They had nothing to say, except I see you have never had a late payment on any of your XXXX accounts. Yet, here we are with a financial institution making a decision that did not even affect them, but rather infringed on the consumers hard earned money.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I discovered on XX/XX/XXXX that my XXXX account was reported as suspended while updating my Transunion credit report. I called to inquire about inquiries that should have been removed from a fraud claim related to inquiries made by someone attempting to buy a car. I was not expecting to see my XXXX account as suspended. My account is not suspended. Its actually in good standing. I have not allowed this account to be behind 30 days because it is being reported to the credit reporting agencies. I was finally able to contact XXXX on XX/XX/year> at XXXX XXXX  & spoke with XXXX. XXXX confirmed that my account is not suspended & is in good standing. She sent me an email and I sent proof that my account is being reported incorrectly. XXXX has escalated this. Hopefully, we can get this resolved soon.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Fraudulent account Account Name : XXXX XXXX XXXX  Account Number : Account was opened : XXXX XXXX Account Balance : {$1100.00}
Consumer complaint received 2019-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc. (UT)

I paid this loan off in full on XX/XX/XXXX. I received a receipt but not a pay off letter. I then received a letter in the mail in XXXX of XXXX saying that this debt had been sent over to a another collection agency. I contacted money key and they said they couldn't help me because I had to speak with the collection agency. The collection agency was less than helpful. So I contacted the creditor that the money was paid to. They sent me a paid in full letter. However they keep sending the debt to different collection agency to try and collect more. I need this to stop as it is affecting my credit and reputation. Thank you.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Debt Collector - Portfolio Recovery Original Creditor - XXXX XXXX Amount Owed - {$270.00} 1st reported as a collection to credit bureaus on XX/XX/2016 Requested on several occasions via certified mail to mail verification and validation showing signed contracts/agreements from original creditor. 
Portfolio Recovery has only sent copies of supposed statements with no signed agreements contracts with my signature validating the debt.
Consumer complaint received 2022-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.