davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (OH)

On XX/XX/2018 I received a vmail from XXXX XXXX ... she left all types of information on my voicemail the voicemail was stated as " XXXX XXXX my name is XXXX XXXX compliance officer contacting you in reference to your pending case being filed. By Law I have to make you aware that once case XXXX is filed it will become a matter of public record and there is an order of location issued for you. Since I was unable to reach you by telephone. I was instructed to contact the employer and speak with the supervisor as it looks like this is now a place of location to bill your negligence on your end on this case. Now you do have the legal right to contact the filing party that is responsible for handling your case with any questions. However XXXX please be advised once the case is discharged from their office all rights are to be forfeited the phone number listed on your paperwork to contact their office with any questions is XXXX XXXX XXXX you have been legally notified by telephone and i will have you located unless I am told otherwise. Good Luck. '' You cant contact people like this and what if that wasnt my voicemail.
Consumer complaint received 2023-01-11
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: Checkr, Inc (GA)

Back in XXXX of XXXX, I was sent a message that I am not qualified to drive a car on any rideshare platform. I reached out to the entity/agents and let them know that unless I provided express written consent they were not allowed by law to access my private data stored in the Department of XXXX XXXX XXXX Furthermore, I was never convicted of any crimes so any information they are reporting is false and misleading without any firsthand knowledge of any crimes. This entity has accessed the driver record without filling out the XXXX form that is required to access driver records in Georgia. Additionally, it is a crime to pursuant to the National Driver Records regulation to access records without the express written consent of the person. This entity is restricting my trade pursuant to 15 USC 1, 15 USC 2, and 18 USC 1951. Also they are in violation of using my tradename for pecuniary purposes without compensation, and under the official code of Georgia they are in violation of 16-9-93.1 These foreign Corporations are in violation of 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Traffic infractions are not a crime : California Court of Appeals ruling, People vs. Battle. The ruling establishes that a traffic infraction is not a crime. This is clearly identity theft and I will be reporting this to the IRS for usury. I am not XXXX XXXX XXXX employee. Hobbs Act Violation.
Consumer complaint received 2021-09-13
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. (NJ)

On XX/XX/2021 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

There had been a 3 month issue regarding an additional hazard insurance that was added without permission. It was removed but I was never given reason as to why it was added in the first place. Also, my payment has increased from {$760.00} to {$790.00}, even though my correct insurance only increased by {$8.00} for the YEAR. I am getting overcharged monthly. And I did not get answers about the reason the additional insurance was added before. I had to make a federal complaint before to get the additional incorrect insurance resolved before and now the company is not taking initiative to resolve this. I contacted the company on XX/XX/2018 and received the following response : " We have received your recent inquiry regarding your mortgage account. Please contact our insurance team directly at XXXX for further assistance.Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. '' The insurance issue was corrected, it was the payment that needed fixed. They bump me from one department to another.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (MI)

on XX/XX/2018.iIwritten a debt validation letter to collection agency second round LP on a debt from XXXX XXXX they state their is a balance of {$800.00} the second debt they claimed i owe a balance of XXXX .i have not received any respond back after 30 days .i ask second round to remove the negative item off my report they send the debt off to another company.i also disputed the items with transunion .they have not given me any responds back either.
Consumer complaint received 2018-07-19
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: Santander Consumer USA Holdings Inc. (MI)

I was a victim of the XXXX  inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX I want the inquires removed
Consumer complaint received 2017-09-20
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: AES/PHEAA (MN)

I had disputed multiple late payments where my student loans should have been on deferment. I 've resubmitted it multiple times and finally had them remove the remarks and disputes due to trying to get an fha home loan. Still the disputes took WAY longer than 30 days, some of them were still open from 3 years ago. They repeatedly advised me of dates my deferments would end but started reporting those dates as late with XXXX XXXX XXXX. I 'm actively paying the loans now as deferment is no linger required but it has decimated my credit report by the tune of 51 late payments. I should have none for two reasons. One, it took more than 30 days to complete the disputes and two, my loans should have been on deferment anyways.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been a Card member with Capital One since XX/XX/XXXX. I first started with a secured credit card. I had an excellent payment history with them, so they gave me back my security deposit and then increased my credit card limit. XXXX year later, they offered me pre-approval for a second Capital One credit card because of my reasonable payment history and never being late with an average XXXX balance. I applied and was approved instantly. In XX/XX/XXXX, I bought a small business in another state and a month later used it for a Capital One Business Credit Card ; it was approved, but XXXX days after the security department contacted me, I was at work, so I called them back. A gentleman asked me many security questions and asked if I had opened a new business credit card. 
I said yes, then he gave me a list of things I needed to upload from a link he would email me. I did what this capital one bank security staff told me to do. A week later, he called me back, saying thanks for sending all my documents, but he said I would need to send XXXX more months of banks of bank statements. Still, everything else looks good my driving license, Social Security card and W-2 form, and the article corporation from my new business. In XXXX conversations with Capital One, the staff asked what was on my driver 's license. I said XXXX questioned my business address. Its a paid business box ; then she had questions about my balance, and with a smile, you opened a new business. I dont see guys like yourself or age buying a business in another state. I was informed capital one Bank would be closing all three of my bank accounts. All three had XXXX balance. I was a good customer for XXXX years, and they closed my accounts and sent me a letter has nothing to do with my activity because my account was used and always paid on time.
Consumer complaint received 2019-06-05
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: Experian Information Solutions Inc. (MN)

I am a victim of identity theft and have sent my fraud packet, lease, and police report and nothing has been resolved, nor have I receive a response. This is really hurting my credit and is stressing me out and I am XXXX  which is causing me pain and stress on me and my baby.
Consumer complaint received 2023-01-11
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. (MI)

This is my NUMEROUS 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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXXXXXX 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 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MO)

I have talked with the credit card company several times. The credit card company is Comenity Capital Bank and they represent XXXX XXXX XXXX  retail establishment. They are charging deferred interest on the account when it has been paid in full due to them not considering that part of an order was returned and they are not accurately reflecting that in determining if the account is current and paid. We also had the account on AutoPay to make sure that all payments would be on-time. As such they are now applying deferred interest at the rate of 29.99 % and continuing to charge that when the account has been paid in full. 

I have tried through their dispute resolution process and they basically say " XXXX you ... we can legally charge you that and we don't care ''. I have notified XXXX XXXX  XXXX that I will no longer shop at their stores and have also notified each credit reporting agency about what they are doing and disputing the balance due. I have also notified our attorneys and are prepared to go to court if necessary and am willing to spend what is necessary to challenge this abusive, unethical, greedy behavior by a bank who borrows money at 2 % and is trying to steal my money charging 29.9 % interest when I have a credit score over XXXX!.
Consumer complaint received 2020-07-15
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. (AR)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-08
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: EQUIFAX, INC. (NV)

I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on/around XX/XX/2020 and a second written request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, XXXX  and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second written request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, TransUnion and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

I was scammed in XXXX. Wells Fargo cashed the check when they should have known it was not real. They also let me take out a cashiers check to send to the scammer when I think they should have known something funny was going on. I am on XXXX and do not have the {$4800.00} to pay back. They also took my social security check for XXXX and left me with no money although it is against the law. They still will not give me my check. I need help knowing what is going to happen to me with a debt that I can not pay and if you can help me get my check back.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against XX/XX/XXXX, XX/XX/XXXXand experian. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. XX/XX/XXXX says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down andXX/XX/XXXXjust refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. Thank you
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ME)

I tried to put a freeze on my credit report account with Experian.

I first applied on line, but at the end of the process received a statement that they were unable to honor my request based on the information I entered and I would need to send them copies of numerous documents ( including gov't ID, utility bill, bank statement, insurance statement, etc. ) to verify my identity. I felt that this was unduly cumbersome and unnecessary.

I then called them and answered another array of questions, and was informed at the end that they had placed an alert on my file with them and the other two agencies, but no mention was made of the freeze. This all occurred with an automated system and I was never able to talk to an agent to resolve the problem.

I believe that Experian is deliberately obstructing my ability to freeze my file, as they are required to do by law.