davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The XXXX XXXX XXXX XXXX  Acct XXXX. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).
Consumer complaint received 2021-03-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

Prior and on XXXX XXXX, XXXX, I contacted The XXXX XXXX XXXX also known as XXXX XXXX ) and XXXX XXXX XXXX to inform the entities I was cancelling my insurance with them and I had purchased insurance with XXXX XXXX. Communications were made via prior to and on XXXX XXXX, XXXX. I spoke with customer service with The XXXX XXXX who asked me to also inform the Auto Agent Broker, XXXX, with XXXX XXXX Auto. In addition to the the telephone calls, I sent an email to XXXX XXXX ( ie. XXXX XXXX with XXXX XXXX XXXX XXXX. Note, please view proof of the Auto Insurance Policy EmaiXXXX I sent on XX/XX/XXXX. All these efforts were done because my auto insurance with their company was to end on XX/XX/XXXX and I wanted and received a better benefits and cheaper rates with XXXX XXXX and I did not want to be penalized for any reason and wanted to go separate ways with no balance pending. However, on XX/XX/XXXX, I received a letter from Credit Collection Services, a collection company, that adverse credit reporting is schedule to impact my credit ( ie please view the attached document ). Since I am not getting helpful assistance from the neither of the auto insurance companies nor the XXXX XXXX XXXX, I have contacted CFPB for help.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

Us Dept of Vets is reporting on my credit in error. They made the mistake and it was fixed so it Should be deleted. They're incorrectly reporting on accounts : # XXXX, # XXXX, # XXXX
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, I am fully aware Transunion has had two separate computer glitches in XX/XX/XXXX & XX/XX/XXXX that cause all my inquiries to get deleted. Due to the circumstances that those computer glitch was TransUnion 's problem - not mines - which caused my inquiries to be deleted. Later Transunion added them all back onto my credit report and failed to give me the legally required written notice 5 days prior to them re-adding the inquiries. I am well aware of my legal rights and legal protections. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added on numerous occasions. These inquiries add a hardship to my life and my rights have been violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. I demand TransUnion not to be allowed to mock the CFPB 's authority by ignoring my rights.
Consumer complaint received 2019-06-18
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: Experian Information Solutions Inc. (TX)

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX # XXXX
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I went through the student loan rehabilitation program. After my 9 months of payment and my loan being sold, the agreement was that the derogatory marks regarding the student loan would be removed ... in fact the contract explained that the original credit line would be removed entirely. I submitted online dispute with Experian ( X/XX/17 ) and the results came back of which did not include deletion of the credit line. Please review the last line of the document submitted.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XXXX XXXX, XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. First, " XXXX '' back in XXXX XXXX ; second, the " XXXX XXXX '' back in XXXX XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. In XXXX XXXX, XXXX did it again, by passing my name to " XXXX XXXX XXXX ( XXXX XXXX ), '' which acknowledged that the debt was fraudulent, and closed the case. Now it is XXXX XXXX, and XXXX has persisted in sending this " debt '' to ERC, which is offering a settlement. Why should I pay a settlement for a debt that is not even mine?
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

On XXXX I checked my so-called credit score and fount that 11 XXXX XXXX  has put fraudulent information about me a consumer supposedly owing them a debt in the amount of {$260.00} I am not sure as of why buy under 15 USC and 15 USC 1692i ect ect this is unlawful and as me being the consumer I want this fraudulent information off of my so-called credit report and I am seeking monetary relief. Ive never given this corporation any permission to share any of my personal information with anyone or any third party.
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report  from either XXXX, Trans Union  or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited  to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I took a ride for XXXX  with XXXX. On the very next day my bank processed a temporary pre-authorization transaction for XXXX twice in the amount of {XXXX. After speaking with XXXX they have since voided the transactions on their end however, the bank continues to hold the transactions and did not allow them to fall off within the XXXX as promised. They have held the funds since XX/XX/XXXX and claim that it will expire on XX/XX/XXXX is when XXXX They continue to do this with my account and make pre-authorizations for unnecessary amount of time. I feel that they have done this out of retribution of the filing the complaint the first and second time this has happened. I can provide a screenshot and emails from XXXX as well. When I talk to the bank they had lied to me and told me that XXXX had to reject the transaction when in fact the bank is holding the pre-authorization on their own terms and refused to release the money within the XXXX hours as promised but instead made it XXXX days. I am fearful to make any large purchases at this point as I feel they will do this again out of spite making jeopardize my funding leaving me immobile. Please help.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-09-22
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)

I filed a complaint XXXX about unauthorized inquiries with Experian, the company responded that the inquiries were made In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information I am quite sure the Fair Credit Reporting Act allows for consumers to know the reason someone is accessing their credit report and if they had the consumers permission to access their credit report. I am telling you I did not authorized these inquiries, I am a victim of Identity Fraud and I am asking you to help me resolve it by simply providing me with some proof so that I can determine what is going on with my credit. As a major credit bureau I would expect more help for the consumers that are facing an ever increasing threat from Identity theft. I would like a copy of the contract authorizing the inquiry or the removal of the inquiry.
Consumer complaint received 2017-08-10
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: Experian Information Solutions Inc. (MT)

I applied for a credit card, and was denied. I went to get my free report and was denied by Experian and XXXX. I tried to get my adverse report and Experian denied me again. The want me to mail them copies to prove my identity. I do n't want to give them my drivers licence or paystubs. My information is my information, I do n't want them to have it. This is a bad company that I do n't trust, I will not give them anything but public information. I 'm entitled to a free report by law and they already have more than enough proof of who I am. They 're using my information against me and not letting me see it. They did n't ask to see my ID before denying me why should they need it now?
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

There is someone with a similar name as mine but no middle name! Ive never lived in XXXX but have a over XXXX debt popping up on my excellent credit! I disputing this with XXXX and, you can get a rep on the phone & it remains this has to be illegal it is years old and, only a few years remaining on my credit I want it removed immediately it isnt my social security number or my correct full name also Ive never lived in XXXX or at this place! Please assign me a rep so I can go up against this company they need to penalize and punish the correct social and individual not me or my credit
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

My name is XXXX XXXX I was invited by my friend XXXX XXXX to come down to a dealership at XXXX XXXX in the XXXX Ny so she can purchase a car. This was on XXXX XXXX. They told her she needed a cosigner on the car so she called her brother XXXX XXXX to be her cosigner and I told them if he doesn't work they can use my name. 
The man who was doing the loan process came back to my friend and told her it was going to be a 3 person loan & that it's through a company called credit acceptance and it's a company that will help build everyone on the loan credit. And then after 3 months you can bring the car back & refinance for a lower interest rate. So she made a down payment of {$1200.00} & gave them the coupon from online that they will pay {$1500.00}. And they told the dealer name XXXX to take her for a XXXXest drive in the XXXX  XXXX XXXX after she gave her insurance information paid for it & go the ID cards. I went with her and XXXX to test drive the car & when we came back they had us sign papers & they had to do her paperwork over cuz they kept spelling her name wrong. I should've known something was up when that kept happing, especially since all the income paperwork was in her name and they had her driver 's license also & bank statements. They actually asked for mine & XXXX XXXX bank statements. My complaint is I was sitting at home & a bill came in the mail from Credit Acceptance that was a billing statement & I was like I didn't purchase no car I only make {$800.00} in social security XXXX a month how in the XXXX am I to pay this bill that's not mine. I called them & they said I signed the papers for the car & I said we all signed papers that none of us ever received and I didn't sign for no car loan so take my name off the account. I've been disputing this for a year & they claim I signed these documents & yes I signed documents they said was a cosigner documents and they went to XXXX XXXX house to have him sign documents also. I reported them to the XXXX  & they contacted Credit Acceptance and they did a internal investigation and said the dealer and there findings is that the dealer wouldn't have put me in a loan unless I showed proof of income & that I told them I make {$1900.00} extra a month & I'm like were the heck did they get that from, cuz if that was the case I wouldn't had went down to them for a XXXX  XXXX XXXX that can't fit my XXXX body. One more thing XXXX XXXX XXXX XXXX sister he cosigned for is the only one that had a income that was more than myself & XXXX each month. They also said signed the registration also I don't know how I pulled that off when I don't have a driver 's license. I would post documents but it's been a year and they still haven't given any of us proof of sale documentation & none of the paperwork that was signed & to this date they still haven't presented them, the dealership keep saying they mailed out the papers
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

XXXX  won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX  / {$62.00} / XX/XX/2022
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Betterment LLC (VA)

I opened a checking account of Betterment through the link of XXXX on XX/XX/XXXX. 2021, when they promised they would return a cashback of {$120.00} for opening a checking account for the first time and depositing {$1.00}. My application was received on the spot and they informed they needed 1-2 business days to process my application. However, they used over 2 weeks to approve my application, during which I could not fund my checking account. They also asked for repetitive proof of address even when I already submitted my car registration card in the first place. After I successfully deposited my checking account on XX/XX/XXXX of {$10.00}, I asked XXXX about cashback. XXXX contacted Betterment and Betterment refused to issue cashback because they no longer offered cashback by the time I deposited my account. 
To me, this is a fraud. I opened the account because of the cashback offered. If the account was approved as they promised in 1-2 days. I was still eligible. Betterment used two weeks and it's very likely they were doing so to cheat customers. I also knew others, including my roommate, who applied for the checking account because of cashback but received nothing for pending application. 
I didn't make any mistakes and I followed all procedures as I can. I heard Betterment before about how convenient it was to use their debit card to withdraw cash without service fee globally. So I opened an account immediately when I saw cashback. However, this experience is very disappointing. I know XXXX XXXX and XXXX are also offering similar products without service fee when withdrawing cash globally. If I was informed with no cashback, why would I choose Betterment? I don't even want to further deposit money to a dishonest bank.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (MD)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.