davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (MD)

Repeated phone calls with no message. Calls to my extended family members trying to get personal information about me or leave messages for me. Would not identify their company past an acronym. I asked them to send information to the address they have on file for me, rather than confirm it on the phone and they began yelling at me that they would not until I confirmed my address and that they could tell me what it was about once I gave them more information.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

spoke to XXXX @ Capital One XX/XX/XXXX18, account XXXX. I had paid my XX/XX/XXXX18 balance in full and in advance. asked XXXX about autopay. I signed up for autopay. asked XXXX if she could guarantee that the bank would not try to take a second prepayment on XX/XX/XXXX18. she checked with her supervisor and he agreed that the next bal. due would fall on the 30 day rotation, namely XX/XX/XXXX18. On XX/XX/XXXX18 however the bank tried to take a second prepayment. I put a stop payment refusing the transfer of funds on XX/XX/XXXX18. I tried to reach XXXX and wrote a letter to the bank. No reply. 
I cancelled the CapOne account. It appears CapOne is an online banking service only. Customer can not initiate contact by phone or digitally with customer service reps. to discuss problems like mine. The CapOne business model is skewed against the customer. No customer access to lines of communication regarding previous transactions is bad and prejudicial and arguably fraudulent policy. I protest.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS (AL)

I went on-line to order a free yearly CLUE report. Lexis-Nexis asked me a series of questions to verify my identity. One of the questions did not have any correct answer, so I replied with the closest choice, flunking the exam, and the system would not produce the report. I was forced to call Lexis Nexis. The wait time was in excess of 35 minutes. The FCRA states that the wait time can not exceed 15 minutes. When Lexis Nexis finally answered the phone, I got a representative who I could not understand due to his fast talking and accent. I had to tell him several times to slow down and speak clearly. After ordering the report, I filed a complaint with the representative concerning the incorrect information that the website asked me and the excessive wait time. The representative could not comprehend what I was telling him, I had to politely terminate the call due to my frustration with his speech and ignorance
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (ME)

XX/XX/XXXX at XXXX was the first phone call from a Diversified consultants calling from phone number XXXX, calling my phone number looking for XXXX XXXX . I XXXX XXXX answered the phone and told the lady he doesnt live here please dont call here. Then XX/XX/XXXX at XXXX they called again from XXXX looking for XXXX XXXX this time I hung up. Then XX/XX/XXXX at  XXXX a lady called again from the diversified consultants this time from XXXX i told her XXXX XXXX Does not live here she said she would remove the phone number from the list. Next day XX/XX/XXXX XXXX am a lady called again this time from XXXX from diversified consultants. I said again he doesnt live here and hung up. Then at XXXX same day XX/XX/XXXX they called again this time I ignored the phone call. Just because I have the same last name as this XXXX XXXX does not mean that he lives here! I do not want them harrassing me for someone elses debt. I then called the number back twice at XXXX XX/XX/XXXX and used the automated system to remove my phone number from the list.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of 2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I have been trying to get this resolved for years now. I have retained a lawyer, I called the police and filed a report, I spoke with the company one time but they told me sense I retained council, neither the collection agency nor the original company were allowed to speak to me about the matter. This account or collection or whatever you want to call it was supposed to be taken off for fraud and misinformation years ago but they still have it on my report. I never had association with the charges they had put on my credit file years ago. Its simply not mine. I never received any kind of notification or letter from either company, i assume because the debt belongs to someone else, and they received all the notifications and letter a debt collector is supposed to send out. Again, I wish i had more answers but unfortunately I dont. It has been YEARS that this fraud collection was supposed to be removed. I dont know how its so easy to mess someones life up, and there are no consequences for the big bank companies that ruin those lives. This is a simple fix, but unfortunately over the last few years, Ive come to find out that it is never simple with credit. At this point, I dont know what else to do. I feel helpless and just need help!
Consumer complaint received 2020-09-04
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. (PA)

I recently started taking more of an interest in my credit and I've noticed some fraudulent activity on my credit report. I've gone ahead and submitted a complaint with the FTC. These accounts are drastically affecting my credit report and they do not belong to me. Please remove them from my credit report. I have attached the report with the FTC regarding identity theft.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Initial Dispute sent via certified mail was received from Experian Dispute Center for XXXX XXXX   XXXX collection Item for {$500.00} on XX/XX/XXXX via certified mail. 

Report # XXXX This report states the credit item XXXX XXXX XXXX was deleted and removed from credit report. 

I noticed on XX/XX/XXXX that this item reappeared or was re inserted on my credit report by Experian through my credit monitoring service. 

I contacted Experian on XX/XX/XXXX via certified mail to remove this item from my report since the FCRA states that the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion which in where i was never notified of reinsertion and why. 

Report # XXXX I received a reply from Experian on 6/18/18 with an updated report showing the XXXX XXXX  XXXX collection which still remains on my credit report. The status of the collection reads that " this item remains unchanged from our processing of your dispute in XX/XX/XXXX. '' This statement is inaccurate because this collection item was in fact deleted from my dispute inXX/XX/XXXX
Consumer complaint received 2021-01-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX. XXXX  XXXX, XXXX, Texas, XXXX Dispute on XX/XX/2021 Response XX/XX/2021 Report Number : XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I am including an attachments that the courts do not to report credit report bureaus. 
US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number ( XXXX ) XXXX Chapter XXXX bankruptcy discharged Case # XXXX Experian, XXXX. XXXX XXXX, XXXX, Texas, XXXX
Consumer complaint received 2018-07-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

MY NAME IS XXXX XXXX I REPRESENT XXXX XXXX AS I HAVE POWER OF ATTORNEY IN MY MOTHERS CASE DUE TO HER XXXX SHE HAS XXXX AND XXXX  .THIS COMPLAINT CONTAINS NEW INFORMATION AND DOCUMENTS RELATED TO MY MOTHERS OWNERSHIP OF HER HOME, LAW ENFORCEMENT REAL ESTATE FRAUD QUITCLAIM DEED FRAUD CRIME REPORT AND AGGRAVATED IDENTITY THEFT .IN RESPONSE TO A CLAIM BY CHASE BANK INVESTIGATORS I DEMAND A RESPONSE WITH DOCUMENTED EVIDENCE AS TO HOW THEY DETERMINED THAT THE QUITCLAIM DEED IN QUESTION IS NOT A FORGED DOCUMENT NUMBER XXXX XXXX RECORDED ON XXXX XXXX? WHEN IN FACT DETECTIVE XXXX XXXX OF THE COMMERCIAL CRIMES DIVISION OF THE XXXX WAS NOT CONTACTED BY CHASE BANK INVESTIGATORS AS HE IS THE DETECTIVE ASSIGNED TO THIS CASE NUMBER XXXX! FURTHERMORE DETECTIVE XXXX XXXX SAID ALL 3 DETECTIVES ASSIGNED TO THIS CASE ASSERT THE FACT THAT THE QUITCLAIM DEED NOTED ABOVE IS A FORGERY BASED ON THE STATEMENTS RECIEVED BY 2 OF THE DETECTIVES GIVEN BY THE NOTARY XXXX XXXX WHO STATED IT IS A FORGED DOCUMENT BECAUSE HE WAS NOT A PARTY TO THIS DOCUMENT TRANSACTION AND HE NEVER MET MY MOTHER XXXX XXXX SHE DID NOT APPEAR BEFORE HIM, HE DID NOT HAVE HER CALIFORNIA IDENTIFICATION INFORMATION NOR WAS THIS TRANSACTION LISTED IN HIS LINE ITEM SEARCH OR HIS LEDGER, DETECTIVE XXXX XXXX SAID THAT CHASE BANK INVESTIGATORS ARE FREE TO CONTACT HIM IN REGARDS TO THIS MATTER AT XXXX.FURTHERMORE THERE IS THE ISSUE OF THE FACT THAT CHASE BANK HAS NOT PRODUCED THE MORTGAGE NOTE OR THE SERVICE AGREEMENT FROM THE ORIGINAL NOTE HOLDER GIVING THEM THE RIGHT TO COLLECT MONTHLY PAYMENTS .SO I DEMAND TO KNOW WHAT FINANCIAL CLAIMS CHASE BANK HAS TO MY MOTHERS HOME AS THEY ARE NOT THE LENDER THAT PAYED OUT THE 2 LOANS IT IS WASINGTON MUTUAL BANK !!! CHASE BANK CAN NOT COLLECT ON A PHANTOM DEBT .I SUGGEST CHASE BANK INVESTIGATORS ALSO LOOK INTO THE FACT THAT IN CALIFORNIA FILING FORGED OR FRAUDULENT DOCUMENTS IS A FELONY REFER TO PENAL CODE 115 FILING A FALSE DOCUMENT DUE DILIGENCE IS REQUIRED TO FIND OUT WHO FILED THIS FRAUDULENT QUITCLAIM DEED AND THE FRAUDULENT GRANT DEED DOCUMENT NUMBER XXXX XXXX DATED XXXX XXXX .CHASE BANK INVESTIGATORS HAVE NOT BEEN TRANSPARENT ABOUT THEIR INVESTIGATION NOR HAVE THEY PRODUCED ANY EVIDENCE OF HOW THEY MADE THIER DETERMINATION.ITS OBVIOUS CRIMES HAVE BEEN COMMITTED AND THE TITLE IS CLOUDED.
Consumer complaint received 2017-12-18
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. (RI)

On XXXX/XXXX/XXXX I met with XXXX XXXX XXXX ID XXXX. She ran my credit via a hard inquiry without my authorization/permission. My credit report has been negatively affected due to this. Please contact the bank and have them remove/reverse the credit inquiry. I have filed a complaint with the bank CASE # XXXX. 

I am completely displeased with the bank and the employees negligence to my personal data and social security # Never do business with citizens bank ever again.
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clearview Resolution Services (OR)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX left messages with no details threatening proceedings saying I have only a certain amount of time to respond with a statement threatening to come to my place of business and will not stop calling. I dont know who they are, who they represent, have never received anything in writing and they call using fake phone numbers.
Consumer complaint received 2021-11-11
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: Waypoint Resource Group, LLC (TX)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Consumer complaint received 2018-07-26
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: Clarity Services (TX)

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to apply for several auto loans as well as XXXX XXXX XXXX and credit cards without his consent. While the applications filed did not create accounts the applications did leave fraudulent related inquiries on his credit reports. Official disputes of these inquiries were sent to each of the creditors however a recent review of credit reports still has several of the creditors reporting the fraudulent inquiry data. This is a violation of the FCRA.
Consumer complaint received 2018-04-09
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: Experian Information Solutions Inc. (NJ)

This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have sent two letters each to Equifax and XXXX to correct and remove misspellings of my name and incorrect names reported. Ive attached my letters as well as the credit report showing what is incorrect. I have sent letters in XX/XX/2021 and XX/XX/2021, and have yet to receive any notification of an investigation.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit System # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

In XX/XX/2013 I lived in an apartment complex called XXXX XXXX in XXXX, Tx. XXXX XXXX alleged I skipped on a lease, which is inaccurate based on their own records, and then sold the debt to a collector for collection action. XXXX XXXX purchased this property sometime after and has assumed any liabilities associated with XXXX XXXX. I do not owe any money to XXXX XXXX, the debt collector they assigned to collect or anyone else associated with XXXX XXXX. Ive attached the lease for proof. I submitted notice directly to XXXX XXXX prior to moving since I was on a month to month agreement and not a lease per the documents attached. I also moved out in XX/XX/2013 and not the date alleged.
Consumer complaint received 2018-07-26
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: Bread Financial Holdings, Inc. (TX)

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to apply for several auto loans as well as cash advance loans and credit cards without his consent. While the applications filed did not create accounts the applications did leave fraudulent related inquiries on his credit reports. Official disputes of these inquiries were sent to each of the creditors however a recent review of credit reports still has several of the creditors reporting the fraudulent inquiry data. This is a violation of the FCRA.
Consumer complaint received 2018-07-26
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. (GA)

On the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in transformation, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from XX/XX/XXXX
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report I noticed a fraudulent closed credit card account in the amount of {$430.00} from XXXX XXXX XXXX. I reached out to the company around XX/XX/2020 and advised them that this is not my account and that I am a victim of identity fraud. XXXX XXXX XXXX  replied that since they are the original owners of the account that they don't have to validate the information. I mailed a FTC identity theft affidavit to XXXX XXXX on XX/XX/2020 and they still refuse to remove this fraud account. I disputed this account through the credit bureaus and they responded on XX/XX/2020 that they were able to validate the account but did not provide me with the validation or any proof that this account belongs to me.
Consumer complaint received 2018-07-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC (LA)

My company has not given raises in 4 years. My overtime was taken away completely over 2 years ago. Cost of living constantly going up. Couldn't pay bills. Signed up with a Debt Relief company over 7 months ago. Have legal protection with them. The attorney made frequent calls to First Heritage and their attorney ( I signed a power of attorney ) and they would never even speak to them about a payment plan with the Debt company. First Heritage called me at WORK trying to collect this debt even after the power of attorney was sent to them. If I answered the phone, I informed them that they needed to contact my attorney, that they were taking care of this matter, but they still called me at work and my cell phone. 
Instead of working with getting paid, they took it to court and want to garnish my wages ( which money is already going to the debt company to pay them ) They have a horrible attorney and ruthless people working for this company. Why would you not work with someone to obtain your payment, knowing that the customer can't afford to pay you directly. So now at this point, it appears there will be no other option but to file bankruptcy and they get NOTHING!
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OR)

On or about XX/XX/2018 I requested a freeze on all of my reports with Lexis Nexis by telephone. I was assured this freeze was to be in place immediately and I would receive further documentation and a PIN for un-freezing when needed. To date my reports thru Lexis Nexis are NOT frozen and I have not received said documentation or PIN after repeated requests to Lexis Nexis.
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

For about a Month and half ago starting in XXXX I would get repeated calls from XXXX at least 4 calls a day, I asked they stop calling me, then a few hours later they would call again, When I call the number back, its says Thank You for calling Paypal, But its not paypal its a collector trying to get my information like my First and Last Name, Address, and Social Security number, I refused, I personally dont have a paypal account in my name, Just my husband but his account is paid in full. Today my son Took the Call and Talked to a Women named XXXX at XXXX, My son told her many times to stop calling, the women said its this matter is taken care they would be calling again, sure enough at XXXX XXXX  they call again, I will be reaching out to a Lawyer because they are harrassing me, and at XXXX and recently was in Hospital I dont need this added stress. I dont owe Paypal anything. Here is the Last 3 days of calls XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX, XXXX I have more from Last Month and the Month before, XXXX finally gave my son a mailing address in XXXX, FL where tomorrow I will be sending a Letter to Demand this to Stop, They are breaking the law by repeating calling and demanding my personal information and trying to take money for something i dont owe. My son told XXXX that he was Planning on calling the XXXX XXXX XXXX in XXXX, FL to start a legal case agaisnt this collection company,