davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
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. (WA)

A hard credit inquiry was made through Experian by the US Small Business Administration on XX/XX/2020. I contacted the agency on or about XX/XX/2020 after several attempts. They assured me that no more inquiries would be allowed and this incident would be removed from my credit report. I froze my credit reports. I have yet to see the item removed and it lowered my credit score by at least 12 points which hasn't been corrected either.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I have file fraud on my credit report agencies. I worked with XXXX and XXXX  and they have agreed with all information that the creditors and I provided and all false - fraudulent mark have been removed. XXXX is unwilling to remove final mark from XXXX XXXX XXXX XXXX for the amount of {$14.00}, XXXX. This fraudulent mark has been fault with the creditor and Equifax for over two years. XXXX XXXX XXXX XXXX reported to Equifax to remove debt and fraudulent remark from my credit which showed up on XXXX XXXX and I provided a screen shot to Equifax and they still refuse to remove the derogatory false remark. I am in the process to purchase a new home but because Equifax refuses to remove the fraudulent mark of the report I will not get the loan. I refuse to allow Equifax to hold me hostile by refusing to remove mark of report and need the CFPB assistance.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NV)

A year ago I had a friend and her XXXX daughters on my XXXX account. My friend was able to get her own account. Her 3 phone lines and two new phones were supposed to be transferred to her. XXXX transferred the 3 phone lines, but not the phones. I spoke to XXXX quite a few times in XXXX of last year to get the phones transferred. I was then unavailable for the next 8 months. I suspended my account until I returned. When I returned, I was told by XXXX that my account had been cancelled due to a {$1900.00} debt. The debt was the phones my friend purchased. For 4 months I have been trying to get XXXX to transfer the phones to my friend, and remove the debt from my credit report. They have failed to do so. PLEASE, help me with this.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I lived in XXXX, XXXX, XXXX, and XXXX, XXXX. But I never live in XXXX and XXXX I never live on address : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

i made the following complaint with CFPB earlier. responding to the complaint, american express credited me half of the charge i am disputing. they gave me credit of {$150.00}. but left the second charge of {$160.00}. 
i brought 3 tickets on XX/XX/XXXX, the airline charged me 6 charges for the 3 tickets brought, separate charge for each way ticket, so 2 charges for 1 ticket. so each ticket was {$330.00}, agent charged {$44.00} commission separately for all 3 tickets. 

american express is saying that the whole ticket was only for {$150.00}. 

XXXX XXXX - XXXX, CA {$44.00} XX/XX/XXXX XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX - XXXX, MA XX/XX/XXXX I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.
there were multiple disputes opened by american express because of multiple charges. one dispute is for part payment resolved and credited, but second dispute for part of payment is closed without any resolution. please also resolve the second charge. 

attached is the ticket copy.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC (CA)

My wife and I received a bill dated XX/XX/2021 from a company called XXXX  XXXX for services in the amount of {$99.00} with a demand for immediate payment. We had never heard of this company before and did not know what the bill was for. 

On XX/XX/2021, we called the number provided for inquiries, which directed us to a company called Equiant. When we were connected with an agent, he advised that any information we provided would be provided to collections. He refused to provide us with information regarding the bill until we provided a great deal of personal information, which we refused to do given his suggestion that the matter was being referred to collections. He also stated that we had more than one account and that only one of the accounts was closed. We asked repeatedly to speak with someone from XXXX  XXXX, which we learned was formerly XXXX XXXX. When the agent finally transferred us, it was an endless loop that was then disconnected. 

We looked up a phone number for XXXX XXXX, and we were connected again with XXXX XXXX. We spoke with an agent named XXXX XXXX, who advised us that XXXX XXXX had been acquired by XXXX  XXXX. XXXX advised us that the {$99.00} charge was never part of XXXX  XXXX or XXXX XXXX XXXX. He also advised us that the bill should not have been sent and that we didnt owe any money. XXXX further confirmed that we had terminated our relationship with XXXX XXXX years before. Finally, he indicated that XXXX  XXXX was seeking to collect the same fee from other customers. XXXX suggested that he would send a note to accounting, but abruptly disconnected the call when we had indicated we had further questions and before we had an opportunity to ask for written confirmation of the resolution. 

We have since learned that the customer service phone number and address ( including suite number ) for XXXX  XXXX and Equiant are the same. 

Given the implicit threat to send the matter to collections and the statement by the Equiant agent that we had multiple accounts with the companies, we believe that the billing for services never requested or rendered is false and the process misleading to coerce payment where none is due. 

We want written confirmation that ( 1 ) all account we had with XXXX XXXX have been closed, as requested years ago, ( 2 ) we owe no payment to any of these companies : XXXX XXXX, XXXX XXXX or Equiant, ( 3 ) the bill will not be and has not sent to collections, and ( 4 ) the matter is not going to adversely impact our credit scores in any manner.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I have a collection account listed on my credit report twice by the name of " Jefferson Capital System ''  original creditor " XXXX ''. " Jefferson Capital System '' is n't licensed in the State of Texas and therefore I 'm disputing this collection account.
Consumer complaint received 2020-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, I have been trying to get this issue resolved with Capital one, however they keep on reporting that I have a credit card with them with the balance of {$14000.00}. I have contacted them on multiple occasion advising this is not mine and I'm a victim of identity theft, however they are not doing anything. I have provided them with police report and still nothing has been happening. This has caused me loosing a job and not being able to find a new one. I really need help getting this removed from my credit, as this belongs to someone else. I have frozen my credit and there are several alerts on the report. Additionally there is another company that's keep showing up on my credit report XXXX XXXX, this is also not mine and I have contacted them on multiple occasion but nothing is being done. Also XXXX XXXX is not mine however it seems like they are not willing to address the fact that I am a victim of identity theft. 

thank you
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Media Collections, Inc (GA)

Debt collector calls my phone multiple times but does not speak on the other end. I have no knowledge of any debt from this collector. 

Moving forward, I request that all communications are via US postal mail. This debt collector does not have permission to call me or any person affiliated with me regarding this matter. 

I also request a written verification of this debt.
Consumer complaint received 2020-05-14
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. (GA)

XXXX XXXX XXXX reported late fees for my account with them the entire year of XXXX, XXXX and several months in XXXX. I have paid these payments on time but for some reason they have been reported as late which is preventing me from moving forward with getting my credit report and score updated to a positive number. This is preventing me from purchasing a home. I have contacted the company, I have emailed the CEO of the company in which they denied to look at my account to correct the issue. I have sent letters and they have not been answered. I sent my payments in and they have been reported late although they were on-time.
Consumer complaint received 2019-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC (CA)

In or about XX/XX/XXXX I got a home equity line of credit for {$120000.00} Account number ending in XXXX. 

The account was an open line of credit and transitioned into a term loan ending in account # XXXX In XXXX filed for Bankruptcy. 

Included in the Bankruptcy from XXXX was XXXX account ending in XXXX Credit Control LLC & XXXX has made several attempts after bankruptcy to collect via phone calls, voicemails, recorded phone calls, and via XXXX mail in XXXX and XXXX. A lien is also on the title of my home and is in and of itself pressure and an attempt to collect on this discharged debt. This is harassment. do not call me as I am represented.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Today, XX/XX/22, I attempted to access my Credit Reports at XXXX. I was able to access my reports from XXXX and from XXXX without any issues. Equifax denied me access to my credit report, so I called Customer Service for assistance. The representative informed me that to see my Credit Report, I would have to set up an account which would require me to agree to their Terms of Service. I do not desire to have an account, nor do I agree with their Terms of Service for different reasons. The main issue that I have with their Terms of Service is that it requires me to agree that they may use and share my information with third-party companies. I do not wish to have my information shared. I want a copy of, or access to my Credit Report without any involuntary terms or conditions being forced on me.
Consumer complaint received 2021-08-09
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. (NY)

[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on XXXX, Equifax, and XXXX  XXXX XXXX from XX/XX/XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, [ Your Name ]
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

The late on my credit from XX/XX/2020 is an error! Toyota accidentally charged me a {$10.00} fee, marked me late, Repossessed the car, returned the car, and told me they would fix it! They are lucky I'm not suing them for damages! The 30 day late never happened and I suffered tremendously from it! Please help me remove it from my credit so that I can obtain a small level of Justice for this horrific event! What if a child was near when they repoed my car! What if my neighbor didn't believe me! The social harm alone!
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

On XX/XX/XXXX I took possession of a vehicle from XXXX XXXX. They took my XXXX XXXX XXXX as a trade. The payoff of my previous vehicle was not made timely from the dealer XXXX XXXX. On XX/XX/XXXX XXXX XXXX told me that they requested for GM Financial to correct any late payments to my account. This did not occur. In XXXX of XXXX I started the process of buying a home. I learned that GM Financial had reported two late payments on each of my credit reports. The late payments were for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted the dealership to have them remove the late payments from my credit report. From XX/XX/XXXX - XX/XX/XXXX GM Financial has been contacted many times. They have even received a letter from XXXX XXXX stating that the late payments are not due to any action of mine. GM Financial refuses to remove these late payments stating that the loan is paid or they don't know how or won't do it. GM Financial has violated the Fair Credit Reporting Act. They have been notified that they should not be reporting any late payments but they refuse to remedy the situation despite the fact that I as of XX/XX/XXXX I no longer owned the vehicle they are reporting the late payments for.
Consumer complaint received 2018-07-13
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: Summit Financial Corp. (FL)

I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
Consumer complaint received 2018-12-04
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. (IL)

I have contacted Equifax on XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX regarding a late payment on both XXXX XXXX XXXX  accounts. On XXXX I spoke to a supervisor who stated she was going to remove the late payment reporting on my credit report for my Mastercard XXXX XXXX XXXX   account. I have a mastercard and visa with this company. The late payment was reflected in XXXX on both accounts. I have sent a letter from the creditor to Equifax to update the accounts and remove the late payment. They removed the late payment on the visa but not mastercard. I was told by a supervisor on XXXX that she would remove it on mastercard. On XXXX I got an email that an investigation was complete. I called to check the status and the late payment was still reporting. I asked to speak with a supervisor. She put me on hold and then disconnected the call. This is poor customer service and this late payment is supposed to be removed. This company is violating my rights by reporting inaccuracies. They have a letter from the creditor to update the late payment on my mastercard and they refuse to do so.
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (FL)

I closed my checking and savings account with Citibank in XX/XX/XXXX. Ever since XX/XX/XXXX I 've received a daily alert to my email : XXXXXXXXXXXX regarding my balance. This has been going on for many months. I called Citibank a few days ago to inquire on why I 'm getting bank alerts for accounts which were closed in XX/XX/XXXX. The representative had no answer. I asked her to please ensure my accounts are closed and to please discontinue the email alerts. She told me she could n't discontinue the alerts on the checking and savings accounts because I have a credit card account that gets alerts ( it made absolutely no sense ). I was placed on hold for a long period of time and call was disconnected. I was so irritated by the handling of the call I did n't call back. I waited about a week to see if the alerts would stop and they did n't. Given the situation with XXXX XXXX recently falsely opening accounts to meet sales quotas ... I 've become worried that my accounts were reopened or never closed. I do n't see why the representative could n't assist me other than my accounts are open and she did n't want to tell me that.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. US DEP ED XXXX {$11000.00} XXXX XXXX {$610.00} XXXX  XXXX {$460.00} XXXX  XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$510.00} XXXX  XXXX / {$8900.00} XXXX XXXX XXXX
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (MO)

This is a ( QWR ) QUALIFIED WRITTEN REQUEST : XX/XX/2018 Please provide all documents for this loan to include payment history made by borrower and all payments to others made by loan servicer on borrowers behalf Please provide all documents and statements for all three modifications mentioned, to include all settlement activities as provided by RESPA, and any cost as provided by RESPA Please provide all fees and charges paid to others on borrowers behalf and to whom the fees were paid and why to include a breakdown of those fees, check copies front and back, who requested such payments with copies of request and who authorized same.