davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XX/XX/2019 Capital One Spark Business XXXX. XXXX XXXX XXXX, VA XXXX CEASE AND DESIST If you are represented by legal counsel, please direct this letter to your attorney immediately and have your attorney notify us of such representation. 

We are writing to notify you that XXXX XXXX, the person to whom you addressed your letter, is not and has never been associated with XXXX XXXX XXXX. Accordingly, you are hereby directed to CEASE AND DESIST SENDING CORRESPONDENCE TO XXXX XXXX AT XXXX  XXXX XXXX XXXX XXXX, CEO of the XXXX XXXX, is the sole owner of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, TX  XXXX It has come to our attention that you have been sending letters to XXXX XXXX, who is not and has never been, associated with The XXXX XXXX. 

We demand that you immediately ( A ) cease and desist your unlawful use of someone else 's name associate with The XXXX XXXX and ( B ) provide us with prompt written assurance within ten ( 10 ) days that you will and desist from sending correspondence addressed to XXXX XXXX. 

If you do not comply with this and desist demand within this time period, XXXX XXXX is entitled to use your failure to comply as evidence of willful infringement and seek monetary damages and equitable relief. 

In the event you fail to meet this demand, please be advised that XXXX XXXX has asked us to communicate to you that it will contemplate pursuing all available legal remedies, including seeking monetary damages, injunctive relief, and an order that you pay court costs and attorneys fees. Your liability and exposure under such legal action could be considerable. 

Before taking these steps, however, XXXX XXXX, sole proprietor of XXXX XXXX XXXX, wished to give you one opportunity to discontinue your illegal conduct by complying with this demand within ten ( 10 ) days. If you or your attorney have any questions, please contact me directly. 

Sincerely, XXXX XXXX, CEO cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: QuickClick Loans of Illinois, LLC (GA)

This lender is involved in predatory lending. They pray on customers who are hard on their luck maybe in financial straights to impose High fees and absorbent interest. I was the victim of this practice. In XXXX I entered into a loan for the dollar amount of {$3200.00}. Over the course of this loan I paid them {$4200.00} was informed in XXXX of XXXX that I still had a balance of {$1400.00}. I had already paid them and amount of {$1000.00} over the original loan amount and still was being asked for an additional {$1400.00}. That additional {$1400.00} would have taken my payment into the amount of {$2400.00} on a {$3200.00} loan which is almost 80 % of the original loan. At this time and since an angered of this practice I stopped paying in XXXX. Loans remain on my credit report and was told today that it will remain on the credit report for another 2 years. As a consumer I believe this practice of absorbent predatory loans is outrageous and the fact that this company continues to be in business with this type of practice is a Injustice to all past and present and future consumers. Being down on your luck unemployed and facing a financial burden should not allow for this type of company to take advantage. I knew that there would be some fees and a percentage rate but I had no idea that I would be paying almost 80 % of the original loan
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am disputing a hard inquiry from XXXX XXXX. I pressed the wrong button and was applying for a XXXX card. This is a mistake. This hard inquiry has to be removed. XXXX stated they are reviewing the application so I cancelled the application. This inquiry was meant to be for XXXX, not XXXX. I explained there was issue with my phone and it went straight to XXXX instead of XXXX. I don't want that card even though I am approved or not.
Consumer complaint received 2019-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

I have sent a letter out more than once to Midland Funding via certified mail to not only this company but also to the Credit Bureaus verifying this debt. However, both parties listed as valid but have yet to respond with verification to say how did they come up with the verification process to even prove that I in fact owe this debt. This company which I have never had a credit card with not have I received goods from reported against my SSN in the amount of {$600.00} to XXXX, XXXX, and XXXX Credit reporting agencies. Considering, this business have not provided adequate proof I am not obligated to pay this debt.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disputed something with the credit reporting agency, after 30 days they did not put account in dispute which is a violation of US code 1679 ( a ) ( 1 ). 

I want this information deleted off my credit report.
Consumer complaint received 2023-06-12
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. (SC)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dobberstein Law Firm, LLC (WI)

The company I was going to was closed for kickbacks and performing medically unnecessary lab tests in XXXX. The physician 's medical judgment was compromised by improper financial incentives and is instead the best interest of the patient. I did not receive any attempt to collect this debt in 2 years so I reasonably assumed I did not owe the medically unnecessary procedures Every time you went to the office they came up with another procedure they wanted done. I did not have a choice to refuse to do them because they threatened me that they would not refill my prescription if I did not get the procedure. 
I received a letter from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX because they sent the bill to the wrong address. I disputed the debt on XX/XX/XXXX in writing. Asking for a breakdown of fees and how interest is being applied. Proof I signed a release to XXXX to have a copy of my medical records which included procedures. Proof that the procedures they forced me to do were medically necessary and not part of the kickbacks that they were closed for doing. Proof that I received something letting me know the account was being sent to a collection company. All I received was a bill from XXXX for the amount I owed. I then requested everything again. No response from them. I was giving them time to get the documents thinking it might take a while due to the company closed. Then I get a letter on XX/XX/XXXX that they are going to put a judgment on my house. 
The bill of sale and assignment does not include the office I went to so I feel they misrepresented themselves say they were.
Consumer complaint received 2022-07-27
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. (TX)

In accordance with the Fair credit Reporting Act, XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Experian has violated the Fair Credit Reporting Act .They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit inquires that i did not authorize, and that i do not recognize. I have sent them letters. They have signed and returned that the certified mail has been received with no response months later. I would like immediate deletions for this wrongfully credit inquires that have been put on my credit report without any authorization. I have already written letters to the companies involving this matter as well and they told me to deal with the credit bureau, and Experian as not taken action to report to me the consumer in the time frame as agreed according to the FCRA
Consumer complaint received 2022-04-07
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. (NC)

All 3 credit Bureaus took it upon themselves to report inaccurate information on my credit report. Most of the accounts that they have listed as derogatory, never was derogatory so how can they have 34 accounts listed on my credit report as delinquent when in fact they never was. This is causing me high interest rates when I apply for loans and they need to fix it the exact way that it was meaning verify the missed payments and if they cant verify missed payments, remove derogatory off each and everyone of my accounts and stop this XXXX XXXX none-sense because I am no fool when it comes to XXXX in America.actually these companies are paid to report false information and not correct information and when I had good credit they never reported correct information.
Consumer complaint received 2020-02-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

This letter is being sent to you in response to notices sent to / from me from the Dept of Edu/ XXXX and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec. 809 { b } that their claim has been disputed and validation was requested. I have asked the Dept of Edu/ XXXX  to please provide me with the following : What the money they say I owe is for Explain and show me how they calculated what they said I owe Provide me with copies of any papers that show I agreed to pay what they say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you they are licensed to collect in my state Provide me with their license numbers and Registered Agent or Agent of Service At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX  XXXX Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them. 

Since reaching out to XXXX, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. 

The information provided by Dept of Edu / XXXX includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. The company Dept of Edu/ XXXX has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax , XXXX  and XXXX } should be sent to me immediately. I have also disputed this information with the 3 credit  bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
Consumer complaint received 2021-07-14
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (KY)

Inquired with Quicken Loans about refinancing rates. Spoke with agent XXXX XXXX ( from the XXXX office ). XXXX pressured me to run my credit. I told him I did not want to do a hard pull and that the other mortgage companies I spoke with only did a soft pull. XXXX advised me that the other companies I had spoke with were misrepresenting this request and that they all have already done hard credit pulls. I was feeling pressured by XXXX with him asking me to confirm my personal information. Eventually I told him to hold on and that I did not want my credit run, but XXXX told me he had already ran it. despite me saying to hold on. 

The information he gave me was wrong and the other companies had not run a hard pull. Which I feel was a sales tactic to lie about my previous inquiries, in order to pressure me to provide my information. I mentioned only a soft pull, and I believe he also ran my credit after I said to hold on. He then refused to answer my messages afterwards, despite reaching out by text and phone, and seeking help from other office agents who spoke with him about returning my messages. I attempted to contact him for 7 hours, and he would not reply, so I was unable to remedy the situation.
Consumer complaint received 2019-01-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (PA)

The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being XXXX I suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a 19.99 % interest rate, and the payment was very high. However, I was only 30-days behind on the payments, and if I was given proper consideration as before, I could have brought the payments current. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I applied for a credit card from Capital One and the last page, which has the final submit or apply button, stated that the applicant would have the option of accepting or rejecting the credit offer. However, after selecting the submit or apply button, I was immediately informed that my application was accepted and an account opened. None of the terms were disclosed to me prior to the account being opened and I was never given the opportunity to reject the offer. Now I must choose between closing the account, or leaving it open and not using ; unsure which action will best serve my credit score/credit worthiness. 

The important points : 1 ) None of the terms were disclosed to me prior to the account being opened 2 ) and I was never given the opportunity to reject the offer 3 ) the company lied on the online application ( i.e., stating there was opportunity to accept or reject offer of credit after approval and terms were known )
Consumer complaint received 2023-06-12
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. (GA)

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 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 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (CA)

I am a victim of identity theft and have been since XXXX. I view my credit report often to see if my SSN, my address and my name has been stolen. Indeed it has been again. 
The person who stole my identity is XXXX XXXX. He left a balance of XXXX on XXXX at an apartment complex in XXXX XXXX Florida. I have never lived in XXXX XXXX Florida or have I ever visited this city. 
Another way I found out about this individual is because the spelling of my first name. He uses an incorrect spelling. He also uses my maiden name. 
National Credit Systems is now on my credit report. I have notified the FBI, IRS, SSN, my local police office. I have made reports to all offices. This person also had bank accounts with XXXX  XXXX XXXX, XXXX XXXX and also has a import/export business out of XXXX XXXX Florida. Every time I have been close to finding this person by informing these institutions of my stolen identity, this person relocates and leaves my credit in shambles. 
I attempted four times to call National Credit Systems. I have left messages and no one calls me back. I called again today and the representative who handles these type of cases left a message but right before the agency closed for the day. I left a voicemail again. 
I feel violated and I feel no one is willing to help my situation.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (PA)

So, I asked Equifax to look into some unauthorized inquiries on my credit report. They are lines of credit that i did not apply for. I asked them to please look into this and verify and send me some type of explanation. They send me a template letter back saying that " Inquiries are factual record of file access and will remain on my credit report for 2 years ''. 
I want them removed because they are UNAUTHORIZED, and I gave NO PERMISSION to have these pulled. 

I want the following UNAUTHORIZED and UNVERIFIED inquiries removed from my Equifax report! 

XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX I please ask that the CFPB makes this company do their job and hold them accountable.
Consumer complaint received 2019-09-12
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: JPMORGAN CHASE & CO. (AZ)

I am a victim of identity theft and someone applied and opened a fraudulent Chase credit card account in my name. The credit card account is fraudulent and not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, legal action, garnishment of wages, jail, prison, XXXX and XXXX from Chase Debt Collection Representatives which is extremely frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.
Consumer complaint received 2019-09-12
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: AMERICAN EXPRESS COMPANY (AZ)

I am a victim of identity theft and some applied and opened a fraudulent America Express credit card account in my name. The account is fraudulent and is not my account. I never applied for for an American Express credit card account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, garnishment of wages, legal action, jail, prison, XXXX and XXXX from American Express XXXX XXXX XXXX which is very frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.