davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hewitt-Capital (MD)

A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/XXXX and advised that their client was XXXX XXXX  and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/XXXX. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was denied a mortgage loan today ( XX/XX/XXXX ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from XXXX because it was the middle score among the 3 scores : XXXX from XXXX, XXXX from XXXX, XXXX from Equifax. The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from XXXX ( XXXX according to the bank ), XXXX from XXXX ( XXXX according to the bank ), XXXX from Equifax XXXX XXXX according to the bank ). The XXXX, on their website, displayed XX/XX/XXXX credit score whereas others indicated their score were as of XX/XX/XXXX.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was denied a mortgage loan today ( XX/XX/XXXX ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from XXXX  because it was the middle score among the 3 scores : XXXX from XXXX, XXXX from Experian, XXXX from XXXX The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from XXXX ( XXXX according to the bank ), XXXX from Experian ( XXXX according to the bank ), XXXX from XXXX  XXXX XXXX according to the bank ). The Experian, on their website, displayed XX/XX/XXXX XXXX XXXX whereas others indicated their score were as of XX/XX/XXXX.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/1981 SS # : XXXX Hello, Back on XX/XX/XXXX I requested validation of : XXXX XXXX Account Number : XXXX I never received any type of validation and I noticed that it is still reporting incorrect payment history as shown in the attachment. I never missed any payments. And even if I had, how can the history go from XXXX  to XXXX and right back to XXXX???? This has upset me and hurt me mentally, physically and emotionally and I am requesting that this account be deleted, that we look into arbitration and that I be awarded remedy in the amount of XXXX dollars paid out to me by check and mailed to the address listed above. This is XXXX from the credit reporting agencies as well as from XXXX XXXX. My affidavit of truth is being written right now please look forward to it. Please cease all contact aside from communication through the CFPB portal. Any documents that you may want to provide should strictly be uploaded here.

Thank you.

CC XXXX XXXX, XXXX
Consumer complaint received 2022-04-28
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. (NY)

in accordance with the fair credit reporting 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX  have sent over several request to in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation.
The company has already exceeded the time allowed to address the concerns.
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal.

Tracking numbers:

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE AUTO LOAN. 
MY AUTO LOAN IS OVER THE 11 YRS OVER STATUE OF LIMITATION. THE VEHICLE WAS REPOSSESSED AND CHARGED OFF OR PRIOR COLLECTIONS LOAN ; WITH AN UNPAID BALANCE. LOAN IS NOT REFLECTING ON MY CREDIT REPORT OR CREDIT SCORE.  CONTACTING COMPANY I AM LEAD TO UNDERSTAND THAT THE AUTO LOAN HAS A BALANCE AND RIGHTFULLY I'M OBLIGATED TO PAY THE BALANCE. I WOULD BE NAIVE TO MAKE A PAYMENT ; RESTARTING A CHARGE OFF OR PRIOR COLLECTIONS LOAN. QUITE FRANKLY, I GOT VERY ILL AND LOST MY XXXX AND AT SUCH DON'T REMEMBER ANYTHING ABOUT IT. THE PROBLEM I HAVE IS THAT I HAVE HAD A CREDIT CARD WITH THE SAME COMPANY NOW FOR QUITE SOME TIME, THIS AUTO LOAN NEVER SHOWED ON MY DASHBOARD. I RECENTLY APPLY FOR ANOTHER CREDIT CARD FROM THE SAME COMPANY. I RECEIVED IT, NOW THE AUTO LOAN SHOWS UP ON MY DASHBOARD. CALLING THEM THE EXCUSE IS THAT THEY HAVE REPLACE TO A NEW SYSTEM WHICH NOW ACCOUNTS FOR THIS UNPAID LOAN. I JUST WANT TO PUT THIS AT REST, ALTHOUGH IT'S NOT ON MY CREDIT REPORT. THANKS
Consumer complaint received 2021-06-02
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 not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX  XXXX  and XXXX XXXX ) Creditors : XXXX XXXX ( twice ), XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX. I also have a collection account XXXX XXXX XXXX  XXXX account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 

This not a credit reporting agency. I am writing because I am a victim of identity theft. XXXX, XXXX  and Transunion continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company.
Consumer complaint received 2019-03-09
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Company : XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$2300.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$13000.00} Company : XXXX XXXX XXXXXXXX Account # :XXXX Date Open:XXXX Balance : {$4000.00} Company : XXXX XXXX XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$6100.00} Company : XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$1100.00}
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company TransUnion have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all XXXX XXXX XXXXXXXX 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 2021-11-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (AL)

I was involved in an on the job vehicle crash XX/XX/2021 in XXXX XXXX, Florida. The vehicle was registered to the employer XXXX XXXX  XXXX XXXX covered by XXXX XXXX XXXX company commercial policy. I resisted being transported by XXXX XXXX XXXX but was all but forced into submitting with the assuring me that they had all the liability covered when they took possession of proof of coverage from the vehicleXXXX XXXX finally paid the claim in full on XX/XX/2021. On XX/XX/2021 CMRE Financial, a California based collection agency reported the account as unpaid to XXXX which in turn reported to XXXX. I have a perfect payment record with all of my legitimate accounts and took a severe hit to my XXXX score. Everyone involved has been notified and repeated disputes have been filed after XXXX and CMRE assured me the collection would be removed.
Consumer complaint received 2021-06-02
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. (NY)

This is frustrating because I know this would have a negative effect on my report as well as making it harder to deal with credit transactions not to mention it will take more time to do so. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). And obviously, I want it to be taken care of.
Consumer complaint received 2021-06-02
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. (MO)

Equifax, XXXX and XXXX is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Ask Capital One for an FOIA so you can see why they are refusing to close my account, I refuse to repeat myself to a federal bureau that does not know how to do its job correctly. The XXXX that your agency usually deflects its responsibilities is absolutely useless.
Consumer complaint received 2021-06-02
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)

This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you do?
Consumer complaint received 2021-06-02
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. (MO)

XXXX, Experian and XXXX  is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.
Consumer complaint received 2019-03-09
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4100.00} Company : XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$3700.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX  Account # XXXX Date Open:XX/XX/XXXX Balance : {$960.00} Company : XXXX XXXX Account XXXX XXXX Date Open:XX/XX/XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX XXXXt # : XXXX Date Open:XX/XX/XXXX Balance : {$5200.00}
Consumer complaint received 2021-06-02
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: LendingUSA (NJ)

Please Remove all this account of all 3 credit reporting agencies 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2019-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (TX)

I don't know anything about this debt, I've never heard of the original creditor XXXX XXXX I've tried to dispute the item on my credit report and I haven't heard anything back from XXXX XXXX nor Collection Bureau of FWB.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

This bank and bank representatives, continue to use reprisal/retaliation and harassment while intentionally mismanaging my personal checking account. Today, XX/XX/2018, there is a negative balance in the amount of $ XXXX due to this bank ( and bank representatives ) ongoing and malicious mismanagement of my personal account ( in an effort to force me to close my account ). I will NOT be closing my personal checking account. I will NOT be paying the said - {$68.00} negative amount. I will continue to file complaint 's ( and legal action ) until this bank decides to CEASE and DESIST their ongoing, tolerated and unlawful practices against me and my personal checking account ( DISCRIMINATION based on reprisal/retaliation, harassment, age, sex,  XXXX, race and nationality. With an " exception '' to my previous CFPB filed complaint 's, this bank ( and bank representatives ) have repeatedly and intentionally mismanaged my personal checking account ( See Check # XXXX ) on XX/XX/2018 XXXX Balance : {$100.00} ) ; Check # XXXX " again '' on XX/XX/2018 ; and todays, XX/XX/2018 negative balance of - {$68.00}. Just yesterday, there was a pending transaction posted to my personal checking account in the amount of - {$24.00}. Today, XX/XX/2018, the " exact same '' - {$24.00} is now posted as a positive {$24.00} ( " XXXX XXXX XXXX ID : XXXX ACH posted credit '' ). Further, this bank consistently sends NSF text message 's to another persons cell phone. Therefore, continuing to violate my right to " privacy ''. ALL supporting documentation will be sent to the CFPB via fax. ANY and ALL information in this filed complaint, is strictly for the purpose of the CFPB ( NOT, to be compromised, transferred or published by this bank, bank representatives ( or bank subsidiaries ). THE END!
Consumer complaint received 2021-06-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC (CA)

Recently, I had my credit pulled and was alerted to a balance owed on a closed BMW lease from 2019 which surprised me as you met the terms of your lease and the vehicle was turned over in pristine condition. 

I have received no notification from BMW via USPS mail or phone call to alert me of any balances owed or issues with the vehicle. Had I not requested my credit to be pulled, I would have never seen this or been made aware and it could have negatively affected my credit score.