davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Someone has been trying to get capital one cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX Capital one XXXX XXXX, XXXX XXXX  where all 3 credit bureaus say to send disputes. After calling Capital one dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by the capital one employee. Capital one credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The XXXX Capital one credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (IL)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XX/XX/2021
Consumer complaint received 2022-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

This is a follow-up to complaint # XXXX made on XX/XX/XXXX. I was led to believe that my score was dropped on XX/XX/XXXX by XXXX pts and on XX/XX/XXXX by XXXX pts due to reporting from my bank. Nothing else had changed on any of my accounts. Today I was informed by agent from my bank that the only thing they reported to Experian at the end of XX/XX/XXXX was that I had XXXX balance. Yet my score was still dropped. I am very concerned that they will drop my score again this month because my bank actually reported the {$400.00} withdrawal at the end of XXXX ( withdrawal was made on XX/XX/XXXX ). If bank did not report it until XX/XX/XXXX why did my score drop twice in XXXX???? 
It was my understanding that scores do not drop twice in one month unless serious changes were made. That has not happened in my case. Both times that my score was dropped I had XXXX balances across the board. I feel as though I'm being penalized for having good credit and It appears that they are just dropping scores because they can. PLEASE HELP. Thank you
Consumer complaint received 2022-09-03
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. (IL)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XX/XX/2021
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (GA)

I have been receiving repeated calls after repeatedly trying to remove my name and number from this debt collection agency. In violation of the Telephone Consumer Protection Act ( TCPA ) makesit illegal to solicit sales to cellular devices, via call or text message 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). This company has called me 27 times since XX/XX/2021.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

The accounts listed below are 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 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( 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 Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) 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
Consumer complaint received 2023-10-06
Product: Credit reporting 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: LEXISNEXIS (NY)

XXXX XXXX XXXX paid {$240.00} to LexisNexis for LexisNexis to give them a Credit Report on me. XXXX XXXX then denied me Insurance stating the LexisNexis Report states negative information, and based on LexisNexis we hereby deny you Insurance ... and we further disclose that we paid LexisNexis {$240.00} for the LexisNexis Credit Report we used to deem you not qualified.
Consumer complaint received 2022-09-03
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. (CA)

XXXX XXXX XXXX acct XXXX this account was opened in XXXX this account has been closed and charged off yet continues to report every month as charge off and shows 59 potentially negative remarks in just my experian credit report. i believe this company has violated my rights as per fair credit act laws. once an account is charged off and closed it can not be reported again and again monthly to cause further damage. the term of the loan was only 50 months and i believe this is being done in a unprofessional manner. i never gave this company written permission to share my information.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

have non stop mailed, called and harassed me after told not to. Abusive lamguage. Calles before and after legal hours and on sundays. 

have called my place of work and family after being told not to and tried to contact me on facebook messenger. Not my account. leave me alone.
Consumer complaint received 2022-09-03
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. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (MD)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-11-28
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

Im supposed to be granted a 6-month grace period, a window in which they persist to call and harass me. My family and I quiver by the answering machine as they mercilessly continue to shake me down. I would have never expected the effects of my student loan experience to carry over to my family, or cause us this much emotional distress over the holidays.
Consumer complaint received 2022-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

To whom it may concern, the purpose of my letter is to discuss the predatory lending practices of Credit Acceptance Corporation. I purchased a XXXX XXXXXXXX XXXX in XX/XX/XXXX from XXXX XXXX located in XXXX Indiana. The loan documents were in a touch screen table. The employee going through the documents rushed through them and failed to discuss the {$1200.00} extended warranty that was added to the loan contract. About a week of having the vehicle I noticed it had been added. I called the dealership about this and was told the reason was because I did not put enough money down. Neither the sales representative nor the financing agent discussed this with me at the time I made the loan. 

In XXXX, I called asking to remove the extended warranty because I figured I had paid enough to no longer require it and was told by customer service that I wouldnt get a refund because the time was about to end for the 2 year warranty. I explained that I never wanted it and the reason why it to have my loan. The representative I spoke with said all I had to do was to call them and they would have removed it. So I was lied to and charged {$1200.00} at 22 % interest for a product that I did not request and was dishonestly added. 

Also, in XXXX the vehicle was repossessed, however there was no written communication from Credit Acceptance Corporation regarding the past due amount and what was required to bring my account current and their intent to repossess the car. The tow truck came and picked it up and was quickly moved to the XXXX auction lot. I redeemed the vehicle picking it up I discovered while it was in their possession the vehicle had been riffled through, the front passenger tire was flat and the spare tire kit was stolen. I started a new payment plan and although I was paying according to their terms they continued to report my account late to the credit bureaus. I recently filed a dispute with XXXX and they did not investigate the company fraudulent reporting, They accepted the creditors report but did not dig into their actual company policies. I have a 22 % interest rate I can not refinance because they refuse to correct the reporting
Consumer complaint received 2022-09-03
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. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-09-03
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. (FL)

I am submitting this XXXX complaint today to follow up the previous complaint I submitted last XX/XX/XXXX regarding the removal of the fraudulenty items reporting on my Credit report. I feel like the Credit Bureaus have not yet done their best at correcting my Credit Report from any fraudulent information. I am submiting this CFPB complaint under the provisions of the FCRA section 605b that protects a consumer 's rights from any fraudulent information reporting on my Credit Report. If the Credit Bureaus claim that the disputed items are items belonging to my name, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus claims. And if the Credit Bureaus continue reporting the disputed items wihout providing me the documents I require, please understand I will seek legal action. If it is not that too much trouble, I need the following items to be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (FL)

I am submitting this XXXX complaint today to follow up the previous complaint I submitted last XX/XX/XXXX regarding the removal of the fraudulenty items reporting on my Credit report. I feel like the Credit Bureaus have not yet done their best at correcting my Credit Report from any fraudulent information. I am submiting this CFPB complaint under the provisions of the FCRA section 605b that protects a consumer 's rights from any fraudulent information reporting on my Credit Report. If the Credit Bureaus claim that the disputed items are items belonging to my name, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus claims. And if the Credit Bureaus continue reporting the disputed items wihout providing me the documents I require, please understand I will seek legal action. If it is not that too much trouble, I need the following items to be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have asked that this company not communicate with me yet they call me on my cell phone using pre-recorded messages and leave voicemails. I do not like this at all they've called me over 6 times. 

They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message. 

This is my second complaint and I haven't gotten a response.
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX continues to place repeated calls to distant relatives 4-5 times per day. This is my second complaint. My ONLY contact number is XXXX. Any calls to anyone else should be stopped immediately. This is harassment and should not be allowed. They're calling anyone that they can find online that's ever been associated with me and that should be illegal.
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collection Service Inc (GA) (AL)

I am writing to report a scam and fraud which collect|on from PROFESSIONAL COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX with the amount of {$960.00}. 

This correction agency should check make sure they are customer not involve scam and fraudulent invoice 's, I am a vlctim of unrendered services provided by the property management company called XXXX. XXXX was In charge of renovating the property for a prospective tenant. However, they sent the false Invoices, and clalmed that they rendered services as they promised. 
I disputd the amount which XXXX claimed that I owed, also I requested XXXX for addltlonal evldence like contract who does the work ( contractor 's ). 
since then, I did not hear from owner or manager who Handel this matter.
Consumer complaint received 2023-03-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (CA)

I am having trouble removing a fraud alert that was put on XXXX. I called XXXX on XX/XX/2019 and spoke to " XXXX '' she stated that she was a supervisor. I requested the fraud alert to be removed. She stated that she was successful in removing the fraud alert. 
On XX/XX/2019 I received a notice from XXXX they stated " at my request they have added an extended alert to the credit report and that it would remain on my file for 7 seven years. 
I called XXXX XX/XX/19 and spoke with XXXX XXXX he stated that Euqifax told them to add the fraud alert again on XX/XX/2019. My file number for the removal for Transunion XX/XX/2019 is XXXX. I requested he send me a letter stating that it has been removed he refused. 
I called Equifax on XX/XX/2019 the confirmation number is XXXX. Received a letter from XXXX XX/XX/2019 that they added and extended fraud alert for 7 more years
Consumer complaint received 2019-02-05
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: SYNCHRONY FINANCIAL (TX)

This inquiry was on XX/XX/2019 I have not used any web sites or business facilities that my SSI number was used. I reached out to this company on XX/XX/2019 and was told that XXXX XXXX would be the best way to handle this issue. I spoke with XXXX XXXX XXXX. ( employee number )
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-08-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.