davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

There are several inquires on my credit report that I did not give my written permission to have pulled one being XXXX, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with XXXX XXXX XXXX Experian. 
I will attach the report I've made with IdentityTheft.gov below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have 1 single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires removed.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (MI)

Checking over my report & I have noticed that the creditors & bureaus that I have constantly been contacting has not responded nor has not provided me any information in written response regarding these accounts that are inaccurate under section 609 fcra these accounts should be removed. Please review & remove these accounts from my report. I am very disappointed in the unprofessional works. 

This is slowing me down with bettering myself
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

I submitted a complaint regarding an account that is listed on my credit report. While I was XXXX, an account was opened in my name. I provided Comenity Bank/XXXX  with documentation showing that I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. The XXXX XXXX XXXX was opened in XX/XX/XXXX, XXXX months after I was XXXX. However, the uploaded response states that " no information has been supplied to support the claim. '' I do not feel as if this company reviewed the proof of XXXX that was provided ; therefore, I am reuploading the supporting documentation for a PROPER investigation.
Consumer complaint received 2022-03-27
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. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

I am on a XXXX  month no interest wth buyout at the end pan. It was purchased on XX/XX/2021. contacted Conn 's customer care on XXXX around XXXX pm XXXX after checking my credit report. I see that my balance has only decreased about {$200.00} from the original finance amount XXXX I work in XXXX so I advised them that I was being chrarged interest. There is nothing displayed online or neither do I receive a monthly statement advising of what my balance is after each payment. The rep advised that I was not being charged ineterest. I requested a copy my payment history, She advised again " looking '' at it I was not being charged interest. I received the ledger adn I am infact being charged monthly interest. They may infact be charging other customers incorectly and it also affecred my approval for items because my balance was not decreasing.
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2021 I noticed on my Personal Checking Acct a Payment to Capitol One in an Amt of Money that I knew wasn't mine, Called XXXX XXXX and they urged me to contact Capital One, Which I did, Capitol One couldn't tell me anything regarding these charges and could only locate me by the Card Accts that I held with them, they could only verify that I did not have any of this kind of activity with any of my Cards with them ( Which I already knew ) they couldn't or wouldn't? pull up anything as to why they were withdrawing this money, XX/XX/XXXX, fraud dept at my XXXX XXXX was finally able to find a name associated with this Capital One Acct and it was not mine ( to the tune of XXXX ) had been fraudulently taken from my Personal Acct, Contacted Capital One as to HOW??? this could even happen?? I was told by them ; all someone has to do? or Need? is a routing number and checking Acct number, they do NOT verify that they do match, they only have to attest that it does by clicking a simple box. Went forward with Fraud charges against this person ( whom was known to me ) when the Deputy and Me were on a XXXX way call with Capital One, they refused to even try and pull up info on this person that was Stealing my money, even tho bank had already confirmed the Legal Name, all the detective wanted was to get a date of when the criminal had opened the Capitol One Acct. I am still waiting for Capitol One to refund my money back to me even tho we have taken every legal step, it's apparent that if your a criminal that you have more rights and protection than any of us, when Capitol One excepted these payments? they didn't even have the consideration to attach any sort of Acct number, which means??? We had absolutely no chance, cause all they would do is say " if you don't have the Capitol One Acct number '' we can't help you! Why do they refuse to attach an acct number to these payments?? This is deplorable and avoidable in so many ways!! I'm not rich and I go to work every day and work hard for what I have, and for what reason??? when criminals can easily do what they do and be protected, Good thing I wasn't raised like that and I have Morals, cause I might think of doing the same and steal money with XXXX consequences ( did I mention? criminals have protection? ) disgusting!!!
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (NY)

Once again we are harassed by the XXXX XXXX and FISERV XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against XXXX XXXX and XXXX  XXXX of FISERV XXXX Unit with the OCC,  CFPB, DFS, FTC and XXXX PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (TX)

There are several student loan accounts on my XXXX report. I consolidated all of my student loans. No need to have several accounts on my report. Leave current one and remove the rest of all those accounts on my report!
Consumer complaint received 2018-03-25
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. (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Consumer complaint received 2018-07-08
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)

After looking over my credit report sometime last year in the past Ive realized that I have more than several erros that is listed under credit profile. I have no clue as to how they ended up on my credit file and I take it that your company has ignored me for more than a year about this error and I havent received any results from my internal dispute since last year XX/XX/2017. I am fed up at this point and feel as if no one is looking into this situation. By law THE FCRA section 609 states that if an account or inquiry isnt verified correctly it must be removed permanently without the original contract and the consumers signature. The following items are to be disputed internally within 3 days max. XXXX 1. XXXX XXXX XXXX = ACCOUNT 2. XXXX XXXX = inquiry 3.  XXXX XXXX 2x = inquiry 4. XXXX XXXX 4x XXXX  : 1.XXXX XXXX XXXX 2 . XXXX XXXX Experian : XXXX XXXX
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

There are several student loan accounts on my Equifax report. I consolidated all of my student loans. No need to have several accounts on my report. Leave current one and remove the rest of all those accounts on my report!
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (IL)

In XX/XX/XXXX I leased a XXXX XXXX XXXX thru XXXX XXXX XXXX program ( XXXX XXXX XXXX ). I was making weekly payments of approximately {$150.00}. 

At the end of XXXX XXXX XXXX XXXX went out of business. The existing lease contracts and vehicles of XXXX XXXX XXXX program was purchased by XXXX XXXX XXXX. I kept making payments to the XXXX XXXX XXXX. I kept the car until XX/XX/XXXX and I had never missed a payment. I made all the payments on time and had no complaints from both of those companies. I returned the car at the end of lease agreement and paid the final bill. I've never received any notice from them after returning the car. 

Besides that, I kept doing business with XXXX XXXX XXXX and leased 2 more cars in the following 2 years. I used each of them for approximately 1 year and returned them without any problem as well. Everything was fine up until I get this notice from a collection company called " Receivables Management Partners ( RPM ) ''. 

RPM claims that I owed XXXX XXXX XXXX {$720.00}. I explained them that I didn't owe anything but they asked me to get a proof that I don't owe XXXX XXXX XXXX any money. Both XXXX XXXX XXXX and XXXX XXXX XXXX have ceased their operations long time ago. Therefore, I can not get in touch with any of those companies and ask for a proof. 

The debt that RPM claims to belong to me, has never been requested from me by the companies that I allegedly owe. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX contacted me about a debt.
Consumer complaint received 2021-12-12
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: Credence Resource Management, LLC (NY)

I am writing in reference to credence a debt collector who I asked to verify a debt on my credit report however they sent me a letter stating that it is valid with no supporting documentation. I have never had XXXX XXXX XXXX who they state is the original creditor and I can not possibly owe someone I have never done business with! Credence is refusing to remove this INACCURATE information from my credit report and I am considering litigation as this reporting is causing me severe distress. While I prefer not to litigate I will do what is in my best interest.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

On XX/XX/2021 I requested an Insurance Policy Quote from XXXX XXXX XXXXXXXX, a Fay Servicing Company to replace my Insurance Policy. On XX/XX/2021 I approved the Quote and talked with XXXX XXXX the XXXX  Leader. On XX/XX/2021 I receive the Copy of the Insurance Policy from XXXX the Insurance Issuer with XXXX XXXX as the Agent Contact. This Policy will be charged with my Mortgage Premium. On XX/XX/2021 I have to process the Coverage Confirmation because Fay Servicing had not received the Copy of the Policy directly from XXXX  XXXX  ( a Fay Servicing Subsidiary ). On XX/XX/2021 I contacted to XXXX XXXX from XXXX to pay directly to them the Premium of the Insurance Policy. I continued receiving Letters from Fay Servicing telling me that they had bought a new Insurance Policy on my behalf because I didn't have Insurance. On XX/XX/2021 after have talked with several Customer Service Reps I talked with XXXX XXXX, Fay Servicing Customer Care Department VP and after a long conversation I had to re-sent to her the Copy of the Insurance Policy and she personally processed the Coverage Info, which I received a confirmation on XX/XX/2021. XXXX XXXX told me that she had solved the issue and the Insurance Policy bought by Fay Servicing had been canceled and they were not going to charge me the Premiums with my Mortgage Payment. On XX/XX/2021 Fay Servicing withdrew from my Checking Account the Mortgage Payment plus the Insurance Premium. On XX/XX/2021 when I realized of this withdrawal I called to XXXX XXXX to get the reimbursement of the Insurance Premium that they have charged but she didn't answer the phone and I left her 2 voicemail. Then I called to the Customer Service and talked with the Rep XXXX and explained the situation but he was unable to solve the issue. He tried to contact XXXX XXXX but he couldn't.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Checked Bank of America balance, noticed new account in my name for XXXX  XXXX with balance of {$75.00} While reporting to Bank of America fraud department, noticed email stating application for XXXX XXXX credit card was denied
Consumer complaint received 2021-12-12
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. (FL)

My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX
Consumer complaint received 2016-01-16
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (MO)

AES is contacting family members who are not even on the loan I have with them. They are harassing family members in search of me because they no longer try to contact me directly. If they do not get a hold of me they immediately call family members that day or the next day.
Consumer complaint received 2021-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Constantino Law Office, P.C. (UT)

I had my credit frozen XXXX, in fact there was to be no further loans made on my SSN # due to over $ XXXX in fraudulent charges, credit cards, and loans made in my name of which I did not persue. In fact between XXXX & XXXX my credit score went from XXXX to under XXXX. When I reported the fraud, all major credit reporting agencies locked down my SSN & forced a statement to any person or company looking up my name for a potential loan. I have notified this law firm of these facts, but The company continues to provide me with what appears to be digital signatures on contracts originating from a city I do not/did not live in as evidence to support their claim that I am still going to be held responsible for the debt ( regardless of the fact that I did not initiate any such transaction ). This firm appears to be XXXX bent on collecting this debt from me rather than trying to find the person ( s ) responsible for causing their client to make a loan under false pretenses and identity. Add this all up and this is indeed makes the firm just as culpible for damages inflicted upon me in a counter suit which I do not intend to file/nor do I wish to file at this time but will not hesitate if these attempts to collect on a fraud debt do not stop : for the actions taken by the company who issued a loan in my name without my permission to a person who is not me & whom I have no knowledge of who they are ; the company took no action that I have seen to confirm the legitimacy of this particular applicant and collecting it from me as an illegitimate way to somehow offset their losses for questionable and highly suspicious business practices the collector hired this firm operating on with what appears to be the sole pursuit of collecting funds from a victim. One who has bent over backwards to accommodate ; honestly I just want this never ending story of fraud and questionable collection methods to end. Please stop treating me like a XXXX who deserves this constant barrage of intimidation and threat. Im just a guy trying to pick up the pieces and move on.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (AZ)

The list of informations and inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect informations and inquiries listed below : Inaccurate Name : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX ARIZONA Date Updated XXXX XX/XX/XXXX XX/XX/XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-27
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. (PA)

XXXX has 30 days by law to respond back they have not done so. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
In your investigation results please prior to debt validation constitutes collection activity. 
In your investigation results please provide the names, addresses and telephone numbers of individuals contacted during your investigation.
Consumer complaint received 2021-12-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Corporation (SC)

On XX/XX/2021 Receivables Management Corp., flagged my credit files with inaccurate collection information. 
Receivables Management Corporation, are debt collectors attempting to collect a medical debt on behalf of XXXX XXXX XXXX. I have not received any services from Receivables Management Corporation, I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to Receivables Management Corporation, I have not provided any releases of my medical information to Receivables Management Corporation, and I have no idea how Receivables Management Corporation received my private medical information. Receivables Management Corporation, have violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. I did not receive any documentation from Receivables Management Corporation to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection. 
As per the Better Business Bureau : Receivables Management Corporation continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.