davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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. (NY)

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b XXXX insurance c XXXX employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes and were not authorize by me or anyone associated to me : The following inquiry needs to be removed immediately : Coaf Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Cre Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Auto Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
These are fraud and should be removed immediately, when something like this happens all at once you should know something is wrong.
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (FL)

I'm a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, recently well last year, the new owner of this building has made me stressed and has embarrassed me in front of our XXXX ; we deal with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX we help the community with XXXX we are not in a rural area, but our XXXX  do live in a rural area. Well, ever since XXXX XXXX purchased this property, never less, it's been a nightmare. XX/XX/2021, they walked in XXXX while seeing XXXX  collect according to the past due to rent dating since XX/XX/2021. Our facility has never had a problem with the previous owner. The rent is on auto-pay, so it's impossible to gain late fees. I feel we are not only harassed daily, but XXXX XXXX XXXX has made changes on binding contracts done by the previous owner. They have even turned off the power on three electrical plugs ; one of them holds the XXXX and other XXXX  wording on documents several times ; even with this So-called money, we owe 90 % of our XXXX  are XXXX XXXXXXXX XXXX unique patients that I have had the privilege to help a make them smile. XXXX XXXX now has sent my business information to a debt collector again, another unprofessional situation I will include in the email along with all emails and lies she is putting my business in jeopardy
Consumer complaint received 2022-03-22
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 (FL)

I submitted a complaint against CAPITAL ONE, regarding them closing my account and I had nothing to do with the issue, but someone trying to help me during a terrible experience I had stepped in to help me pay money that the scammer demanded. I have 4 credit cards, they are restricted and closed. This complaint focuses on ACCOUNT XXXX XXXX, which I paid out of my XXXX BANK account, and has a zero balance ZERO!!! after I paid the {$3000.00}. 
They send me a letter everyday giving me 45 days to submitted proof I paid this. They don't listen to me when I call them, and insist the account was paid by the individual that paid all my bills to help me back in XXXX that I was demanded by this scammer to get him. I WAS NOT AWARE OF HOW MY BILLS WERE GETTINGPAID, SINCE I WAS READY FOR A BREAKDOWN DUE TO BEING THREATEN. 
SEE MY COMPLAINT XXXX Capital also sends me a daily email that they are closing my accounts u less I produce a statement. 
ALL OF THIS WAS UNFORTUNATE DUE TO THIS SCAM by a lying fake DETECTIVE BUT CAPITAL ONE HAS TREATED ME LIKE A CRIMINAL!!!!! I KNOW this is my 2nd complaint, but the mail delivered 4 more letter today and calling them they never listen or help it's a recording the same answer. Stop hurting a very good card holder for over 20 years+++CAPITAL ONE HAS ALSO DESTROYED MY CREDIT REPORT. 
I ASK THEY CLOSE MY ACCOUNT DUE TO PROTEST. 
I'm sick of a bank being so nasty and seeming love to " hurt '' the public. I did nothing wrong! BUT OF COURSE, I'M BLAMED. All this harassment, and it hurts me! To be blamed for something I had no control of, and to rub it in daily. 
PLEASE ADD THIS TO THE ABOVE COMPLAINT. I know the bank will come out perfect since we are nobody and they have the power to do whatever they want. 
XXXX XXXX
Consumer complaint received 2017-06-08
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 (CA)

Hello Dear CFPB I am writing to ask your assistance regarding in my opinion very unfair and biased experienced that i had with Capital One. Long story short.
<P/>
I applied Capital One Venture Credit Card back 2016 XXXX and was approved {$30.00} credit limit, upon receiving my card i wanted to activate it but i was routed to customer service fraud verification department and was asked to send Copy of my Identification Card Social Security Card and other verification documents. I complied and uploaded all requested documents and after review my card was activated and was ready to be use. <P/>I did not Use my card since than but couple days ago i wanted to buy XXXX GIFT CARD online for {$2000.00} but transaction got declined, i called customer service and was routed to speak with supervisor i was asked many questions about phone number and my background and many other questions about an hour on the phone i was told i need to submit Again all my documents which i was perfectly fine to do so .Unfortunately since it was overseas customer service i could n't reach any resolution and asked to call next day. I called Next day was connected with Nice Lady Name XXXX account supervisor she advised me i need to upload again My Identification Card front and back Social Security number and Utility Bill, than i received email with instruction and uploaded all requested documents i took copy of my ID card SS card and XXXX XXXX Water and Power Bill than scan it and uploaded it hoping it will clear all concern that they have. After couple hours XXXX XXXX left me massage on my phone and than i called them back and it was very unfortunate and very disturbing news for me. I was told All my accounts Capital One Venture and Capital One Venture One was permanently restricted because for some unknown reason they can not verify documents that i send them, which is shock for me because my Capital One Account was activated back on XXXX 2016 by same documents that i send them. This is real rollercoaster and very negative experience i had with Capital One, I am very afraid and worry that because of Capital One wrong unprofessional assistance i am in situation that my other creditors might think that there is some fraud is going on and they will also close my accounts and all my Hard earned credit will be ruined and I am asking please to Clear My Name. Again Please Understand Those Documents Are Genuine 100 % Valid copy of My Identifications. There are No Fraud Whatsoever related with me or my accounts. I have perfect Credit And great accomplishment and i can not and will not allow some person or persons not careful and maybe unintentional but damaging actions ruin My Credit and Financial World.  Please CFPB assist me to clear my name and so they will remove fraud indications from my accounts and reinstate my both accounts. Thank you Very much Best regards XXXX XXXX
Consumer complaint received 2022-03-26
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-24
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. (MS)

I reached out to Experian and notified them that 3 accounts on my credit report are being inaccurately reported. Their " investigation '' took longer than 30 days the first time. I disputed it again, because across all three credit reports, Experian is the only one that shows the inaccuracies. I provided evidence and they still have not fixed the issue. One account Experian has reported as a charge off for more that a year even including a past due balance which is both unfair and illegal for them to do on a closed-charge off account. The account in Question is XXXX XXXX. Next, XXXX XXXX " alleged '' I owe a bill from XXXX XXXX, which is a violation of XXXX as I have not signed anything allowing that company access to my health information or billing summary. This currently shows on my credit report and hurting my financially because Experian will not fix this inaccuracy after multiple recorded attempts on my behalf. Finally XXXX XXXX XXXX account was created identity theft and Experian has failed to truly investigate this inaccuracy. They are willing to use an address that I do not live at and reported I did not live there to verify this information they have " investigated '' to be accurate. I have already provided them a police report to prove this was not me and Experian still refuses to remove this inaccuracy. They are falsely reporting inaccurate information, giving me a lower score, harming me and restricting my rights to financial fairness and freedom and limiting my ability to obtain credit with new businesses because they are reporting false and inaccurate information I have asked them repeated to remove.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC (AZ)

The XXXX credit card company continually makes early morning ( XXXX ) phone calls about late payments. I have been awakened at XXXX with a phone call from them and when I answer, no one responds. The latest calls at XXXX were on Monday, XX/XX/2021 and Tuesday, XX/XX/2021. I called the number back and very strongly demanded that they NOT call me that early in the morning, yet they did it again. I finally spoke with a representative named XXXX and told her I didn't appreciate the early morning calls and that it was illegal to harass customers like that. I advised her that I was going to file a complaint.
Consumer complaint received 2019-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

My latest attempt was made in XX/XX/2019 by requesting in writing to all three credit bureaus that this debt claimed by Jefferson Capital System be physically verified and that I receive a copy of any and all signed consumer I have on numerous occasions ask for verification on this account that is showing on my credit report for contracts, all original documents in reference to the account, a valid proof of chain of assignment and sum certain showing the total history of the account in which I have received nothing but a statement which only shows an amount due of a total of {$650.00}. I have sent letters to both the creditor as well as the credit bureaus asking for the above information and have yet to receive anything. I did receive a letter from each credit bureau stating the account was " verified '' and on XX/XX/2019 I reached out to all 3 companies ; XXXX, XXXX, as well as XXXX, stated that they are only responsible for submitting the request electronically and then it is up to the creditor to respond if it is valid. I find it very upsetting that all 3 credit bureaus are able to report this on my credit report and no one will show proof of the account.
Consumer complaint received 2021-08-25
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

I was served a summons ( judgement ) from Smith Debnam Narron Drake Saintsing & Myers, LLP on XX/XX/XXXX. Notice of rights was served to me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I sent paperwork to them that was needed. I contacted a law firm and they stated that my amount was different on my " File No '' than what the Judgment Creditor was stating in XXXX of XXXX. The creditor stated I owed over {$28000.00} to XXXX XXXX XXXX. My case as of XX/XX/XXXX stated I owed with interest, since XXXX, in the amount of {$19000.00}. This creditor is in a violation of FDCPA, they are harassing me with the threat to get me to pay and they don't follow through with the execution. They keep harassing me with notice of rights which was served 3 times in one year ( noted above ). Second violation is they want me to pay a higher quote balance than what shows on the court system. I want them to stop contacting me..
Consumer complaint received 2021-08-24
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. (FL)

I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax & XXXX  from my credit reports as a fraudulent account. However, on my updated credit reports XX/XX/2021, a newly added account appeared in my reports under a different name which is XXXX a.k.a XXXX XXXX XXXX ( so it's still XXXX ) and with the same account number XXXX is reporting negative under Equifax. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Consumer complaint received 2021-08-24
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. (FL)

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " I was not the one who sent that despute ''. I feel as though this is ridiculous. I spend my entire weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license.
Consumer complaint received 2022-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc. (TX)

On or around XX/XX/XXXX, I received a letter of deletion from SYNERPRISE CONSULTING SVS INC stating the account isn't mine, and my credit file will reflect that. 

XX/XX/XXXX, the debt is reported on my credit file. I have called countless times to speak with a representative, however, no one answer my question of why the account is on my credit since I don't owe. 

I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. 

PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. 

I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: STERLING JEWELERS, INC. (CT)

An account was opened in my name while i was in the Kay 's jewelry store without my knowledge. I explained to the employee that i did not want my credit ran and i did not want a card in my name. This card and the stipulations also seem to change to benefit Kay. The penalty and interest rates seem to increase. Since the card was already on file i made the mistake of making the purchase on the card. I have had difficulty paying the card as they do not make things clear for you to pay. I have had assisted payments that i had to pay for over the phone. I have continuously attempted to contact the corporate office to rectify this practice and to talk to someone about the difficulty of paying. the last payment that i was to make was late and i had {$400.00} in interest tacked on for a card that i never wanted and a dispute that has never been answered. I have continued to pay but i am paying over {$600.00} in payments that have been tacked on as penalties. When you attempted to contact the offices no matter how you try you are disconnected. I am a customer of Kay jewelers and am very disappointed by the unfair practices. I asked for my card account to be closed and I am not sure that this has been done. I spoke with an employee that has stated to me that this is common practice and this happens to a lot of people. The employee also stated that the company will not help me. I was also told that i will probably not be able to get in touch with corporate.
Consumer complaint received 2021-08-24
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. (FL)

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " I was not the one who sent that despute ''. I feel as though this is ridiculous. I spend my entire weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (ID)

XXXX XXXX XXXX XXXX has sent me to Genesis Collections for {$11000.00}. I lived at this rental property for five years. They renovated the whole unit once I moved out and am charging me for that renovation. They are dishonest and this is reflecting poorly on my credit report. I paid a deposit that should cover new carpet and paint. This is an egregious amount and I will not pay it. They are unethical and should not be in business. I have witnesses that helped me move and know what condition the unit was in when I left it.
Consumer complaint received 2021-04-16
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. (OH)

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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