davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a complaint against capital one auto finance but capital one auto finance responded that they own this account.for the past three years this account has been sold to a collection agency which was reported to the credit reporting agencies.it 's violation of all applicable federal and state laws for capital one auto finance to have account information in their data base after it has been sold to a collection agency.this is not a duplicate complaint as this company stated, this is a entirely different complaint that I submitted to your company.
Consumer complaint received 2020-10-21
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-05-05
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-10-21
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not me ''.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (GA)

There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

Hello, My name is XXXX XXXX. I am contacting you today in regards to a few issues. One being that I made several attempts to close a " XXXX '' credit card, owned and operated by " Comenity Bank ''. During this time, I spoke with Customer Service in direct relation to the account, asking for a " audit '' of the account ; furthermore, it was requested that an investigation be started to determine the ownership of the debt. 
I granted permission to allow my Attorney to speak on my behalf and about the issues at hand. A " Debt Dispute '' was filled out and sent to the parties. 
To date, nothing has been sent to me as was requested as far as the information pertaining to the ( alleged ) debt. I myself know firsthand that the debt may be linked to my account, but i am not the person that used the credit card, running up a high bill. 
As I have currently been living in XXXX New York, in a township called XXXX, then moving 45mins away to a city called XXXX. I have not been in or around the State of Pennsylvania since XX/XX/2019. So the debt request investigation that was made, was for a good reason. The involved company 's have yet to work with and or accept a payment of {$25.00} dollars. I was told that the minimum payment due at the time of the conversation was well over {$150.00} dollars. 

It would be greatly appreciated if someone could look into the matters and get back to me to further discuss the matter in its entirety. 

Thank you in advance for your time, attention, and consideration into this matter. 

Very Truly Yours, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y XXXX
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (FL)

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (IL)

I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX pm. XXXX XXXX  failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX XXXX ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is illegal to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a XXXX, told me she doesnt know their schedule and failed at informing me how I can speak to a XXXX.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (MS)

I have been recieving unemployment for 3 months n eppicard They locked it XX/XX/XXXX day in n day out i stayed on hold until finaly i got an amswerXX/XX/XXXX i used the card to withdrawl 2 days and it locked right back up and the process had started all over again.no one ever answers the phone eppicard unemployment Mississippi worst card customer servics ever
Consumer complaint received 2020-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

i am not using my cap one cards for a while. rented a car in XXXX FILTHY did not start several times tried calling alamo no one responded. when i returned the car i was told to makea complaint i did no one responded. CC cap one is asking me in order to settle dispiute for a cancellation policy i have none and that is not right to ask for. how do i get this settled fairly? please help me. i disputed XXXX dollars which is half of the total and i should get it back they are asking for wrong info to settle it. i have explained i will asa result be reducing all use of my cards from here on out MUCH. HELP. i was screwed no one helped me FILTHY car during a ; pandemic?
Consumer complaint received 2021-07-18
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. (TX)

Experian does follow federal regulations for consumers. They allow your information to be access and used against you. They constantly report inaccurate information on my file. When dispute it and its definitely wrong they state that the fraudulent information is correct. Which means they are in business with that company which is a conflict of interest. XXXX and end XXXX does a better job with protecting the consumers. So i have 5 accounts on my that are inaccurate and fraudulent information on them. XXXX and XXXX  recognized the inaccuracies and fixed or deleted them. Experian does not even investigates them properly. They just state its verified. Even if you upload a police report. They should be shut down and put out of business for giving out personal information and conflicts of interests against consumers. They are the worst XXXX company and they are part of a huge problem Congress needs to shut them down. I have even written my local representative about Experian unlawful practices to keep consumers down with fraudulent score keeping.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I filed a complaint with CFPB against Midland Credit Management on XX/XX/XXXX. Even though they responded through CFPB on XX/XX/XXXX with an explanatory letter and copies of statements, they failed to include copies of documents they claim to have mailed to me on XX/XX/XXXX ( " validation letter '' ) and XX/XX/XXXX ( " dispute response letter and a copy of the verification information provided by the seller '' ). Had they actually mailed the missing documents, they would have provided copies as proof. 

I have not received mail from Midland Credit Management on or about those dates or any other date. 

In violation of the FDCPA, the debt collector added information to my credit reports without mailing me anything. 

And, Midland Credit Management failed to address the XX/XX/XXXX unsolicited email ( attached ) from XXXX, falsely stating, " Although this communication is from a debt collector, this is not an attempt to collect a debt. '' ( bold in original ) If it's not an attempt to collect a debt, then what is it? The email continues, " Need assistance? Were here to help. Call ( XXXX XXXX XXXX between the hours of : XXXXXXXX XXXX XXXX XXXX XXXX. PT. Sunday - Thursday, and XXXXXXXX XXXX XXXX XXXX XXXX PT. Friday - Saturday '' Clearly, the communication is an attempt to collect an alleged debt even though it claims it is not an attempt to collect a debt, which violates the FDCPA, right?
Consumer complaint received 2024-02-24
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed this account several times and the last time was XX/XX/2022. I was told if I paid this account off in full this account would be removed from all XXXX consumer reporting agencies. The balance is XXXX but its still reporting and when I spoke with the representative years ago I was told it would be removed thats why I paid the debt in full. I feel this was misrepresentation and illegal if they did not hold up their end in removing the debt like they said they would.
Consumer complaint received 2020-09-19
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: EQUIFAX, INC. (NC)

On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The accounts listed here are fraudulent. I'm demanding they all be removed because they do not belong to me. If the credit bureaus do not remove these fraudulent accounts I will file a lawsuit. Fraudulent accounts and inquiries have been sent to the credit bureaus along with ALL supporting documents. Fraudulent items are as follows : XXXX XXXX XX/XX/XXXX {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXX XXXX XXXX   XX/XX/XXXX {$220.00}. Fraudulent inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (MI)

The mortgage was under going litigation with the permission for a payment plan from XXXX. They marked each of the payments under the payment plan they offered late. Upon seeing the shady business practice the mortgage was paid off in full and they refuse to correct the mistake they made by marking as late.
Consumer complaint received 2020-10-21
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. (MI)

The mortgage was under going litigation with the permission for a payment plan from XXXX. They marked each of the payments under the payment plan they offered late. Upon seeing the shady business practice the mortgage was paid off in full and they refuse to correct the mistake they made by marking as late.
Consumer complaint received 2019-05-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I was contacted by a company by the name of XXXX XXXX XXXX, a 3rd party debt collector. I was informed I had a debt from XXXX or XXXX ( was given both years during numerous conversations with these people. I offered to pay the debt on the XXXX of XXXX, then decided to pay off the entire debt of {$170.00} *unsure of the exact amount* and was transferred to someone else to give them my debit card number. I asked for them to send me an email or correspondence to verify they were a legitimate company several times and time they refused. I tried calling back several times but they ( XXXX ) would either hang up on me or some other male I was talking to threatened to let the creditor know I refused to pay the debt. I called the creditor ( Cash Central ) who was equally rude, and they refused to give me any information to validate who these people were that were trying to get my debit card information. Everyone I spoke with at XXXX XXXX XXXX had an accent so I was extremely hesitant to provide them with any of my financial information. They also stated they tried sending me correspondence about the debt for a year and a half now but they couldn't tell me what my apartment number was. I did not receive any correspondence whatsoever from this 3rd party collector at any point in time. I want to be clear, I am willing to pay this debt once it has been verified and that XXXX XXXX XXXX is a legitimate business and not some overseas scam organization.
Consumer complaint received 2020-10-21
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. (MI)

The mortgage was under going litigation with the permission for a payment plan from XXXX. They marked each of the payments under the payment plan they offered late. Upon seeing the shady business practice the mortgage was paid off in full and they refuse to correct the mistake they made by marking as late.