davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-02
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Hello, I filled out an application for a personal loan on One Main. 
5 days ago. 
During the application process they advertise that checking the offers will not affect your credit. It was supposed to be a soft enquiry. Within a few minutes of applying I received a message from XXXX that a hard enquiry had been filed. Since then I have been calling their offices daily, they promise me a call back to resolve the issue. every day it is the same thing they never call me back. the person I spoke with on Thursday said when you click on the check offer you agree to the inquiry! Obviously I did as long as it was a soft inquiry which would not affect by credit, not a hard inquiry. 
In the attached document you will see that at the bottom of the page it says " this will not affect your credit score ''
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, my name is XXXX XXXX. And I 'm a little concerned about this incorrect information that is inaccurate on my Transunion credit report. There is a collection on my report owned by XXXX XXXX XXXX in the amount of {$1500.00}. First, I have no contract or anything bearing my signature that would make me responsible for this debt as my contract was not with XXXX XXXX XXXX. Second, back in the beginning of XX/XX/XXXX the information was n't listed on my report, but was reinserted towards the end of XX/XX/XXXX. How is this okay? Also, the amount listed is incorrect. I have reached out to Transunion to correct the information, but they have not been very helpful. With all of the recent data breaches and such with these different credit reporting agencies. It 's very important for me as a consumer to have accurate information listed. I 'm hoping that the CFPB can resolve this issue for me and have the incorrect information removed from my credit report.
Consumer complaint received 2018-01-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TN)

In XXXX I was attending XXXX XXXX of XXXX XXXX. I had to take withdraw because of high risk XXXX and had daughter at XXXX weeks. I had been hospital bedridden since XX/XX/XXXX. 

Then they said I owed even though it was a medical emergency. Later they kept saying it was in forbearance until last year at tax time they took my whole refund causing financial hardships and making it difficult with credit scores, trying to get back into school etc. It seems the amounts change so drastically even when I made the payment required from my tax refund. This has so much strain on myself and my XXXX child who is XXXX. It 's too much.
Consumer complaint received 2018-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

They should contact my mother to collect these loans Navient is distracting me on my job and home calling numerous times daily for PRIVATE loans I did not take out even though I have repeatedly explained I had no knowledge of these loans and had a full scholarship and grants throughout my college years. 

I have completed all paperwork : notarized affidavit ; checks ; online loan applications ; etc. and gone through a law enforcement investigation in XXXX, CT where the loans were taken out by my mother. My mother has gone through a law enforcement investigation in XXXX, CT and signed a notarized affidavit. XXXX XXXX met with the prosecutor and the case was thrown out and made a " documentational file. '' Navient has even written to me saying, " I benefited from the loans because I was living at the same address. '' I was a full-time student, living and going to college at XXXX XXXX XXXX. 

This is deceptive business practice under FCC for me to be interrupted by Navient numerous times per day. XXXX XXXX and XXXX dropped the cases but it appears that Navient took out a federal guarantee insurance policy to cover themselves. My mother has paid hundreds of thousands of dollars and because of combined interest, NOT ME. This is harassment in the worse way. Please help me!
Consumer complaint received 2018-01-08
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. (NC)

I have disputed an account with Experian numerous times and the continue to display inaccurate account and information about a old XXXX fraud account that should not even be on my report since it was settled and debt canceled and XXXX agreed to remove after canceling debt. The account has been removed from other credit reports but Experian refuses to remove account even though its inaccurate and I have supporting documents from XXXX.
Consumer complaint received 2018-01-12
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: Resurgent Capital Services L.P. (MA)

So the Debt Collector Resurgent Capital Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC, XXXX has yet to Verify the debt that is on my credit report under a business name of theirs that they are doing business under XXXX, XXXX. This dispute was opened on XXXX by the better business bureau and still XXXX, XXXX. Or Resurgent has not provided any verification of debt or judgement to be mailed to the consumer ( XXXX XXXX XXXX ). 
1. This debt was added to a credit report without being verified. Incompliance with FDCPA 1692e 1692f and if it has provide official written proof in detail. 
2. This debt has still yet to be verified with consumer as of XXXX/XXXX/XXXX XXXX. Upon dispute from the BBB the Collection agency failed to provide verification of debt, verify debt and or provide the consumer with judgement against XXXX. Have failed to mail any documentation to the consumer regarding the debt 5. I demand that this be removed from my credit report for the above violations. If this is not removed I demand the Collection agency provide the authorization of the initial debt along with the full payment history and actual amount of debt before any and all fees this would comply with the Fair Debt Collection Practices Act 1692e and 1692f There also needs to be a new response not the initial response again sent from XXXX XXXX, XXXX. 

I am giving Resurgent a chance to do the right thing before I file this with the FTC and Commonwealth of Massachusetts small claims court to seek damages from this unverified debt.
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (IN)

American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put the money back in my checking account and when I asked them why they would do that then they came back and said they aint a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted {$160.00} paid on the XXXX of XXXX I paid {$170.00} and they still took that much out of her account and then they stole another {$1400.00}. That is not not right!
Consumer complaint received 2024-11-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I am filing a complaint regarding Truist Bank 's handling of my account closure and the withholding of funds since XX/XX/year>. My business account received a payment from my business partner via wire transfer. However, Truist Bank closed the account, citing various conflicting reasons, including issues with XXXX, large wire transfers, and a potential hold for claims. I have received inconsistent responses from bank representatives, and one agent informed me that my funds would be returned to the sender to " refund other people, '' despite me being the rightful account owner. 

As a XXXX XXXX, I am concerned about discriminatory treatment and the lack of transparency, which has caused severe financial hardship. Despite multiple requests for clarity and action, Truist has not provided a clear or timely resolution, and I believe my rights under federal and state laws are being disregarded.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I previously contacted XXXX XXXX XXXX as well as Equifax to inquire on the late payments reflected and were told that the account would remain open and in good standing now that it has been paid but they couldn't lawfully suppress any particular portion of the actual payment history on my XXXX account including late payments, neither can they lawfully delete the tradeline altogether for your account. 
After receiving this, I noticed that a significant amount of late payments, 28 to be exact were added to the account that were not previously there. To add insult to injury, on exactly XX/XX/XXXX I received a notification from XXXX XXXX that an account on my credit profile was listed as " closed '' on my EQUIFAX credit report decreasing my credit score by 56 points.
Consumer complaint received 2018-11-02
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. (CA)

In XX/XX/2018, I submitted preliminary personal information to XXXX XXXX XXXX ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the XXXX XXXX XXXX website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my Experian credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at XXXX XXXX XXXX. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my Experian report. She stated that the bank 's tech team had determined that, having visited the XXXX XXXX XXXX site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the XXXX XXXX XXXX main website page ( at a different, earlier time ). 

At no point did XXXX XXXX XXXX note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the XXXX XXXX XXXX representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.
Consumer complaint received 2018-11-02
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. (NJ)

I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from XXXX XXXX XXXX. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XX/XX/XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last XXXX SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XXXX 2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

New HSBC Gold card advertised as 0 % interest and 0 % transfer balance fees for 18 months. Applied for and received new card approximately XX/XX/XXXX. Card # XXXX XXXX XXXX XXXX. Executed balance transfer request XX/XX/XXXX from XXXX XXXX card to HSBC in the amount of {$3500.00}. Discovered today a " finance charge '' of {$140.00}. NOT explained in advertising or identified at time of balance transfer request. HSBC refuses to waive the charge upon my request. This is a bait and switch.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX, I found that {$150000.00} was transferred from my bank savings card to a bank called Fidelity. I called them and they said it was an account opened by my SSN, which I did not open. Then I asked them to freeze the account and told XXXX XXXX XXXX. Then my XXXX XXXX  card was stolen many times and I closed the account. I had frozen my credit in XXXX, but I still received a credit card from XXXX and then closed the account. Recently, I received a bill for XXXXXXXX XXXX internet bill of {$3000.00}. I also received a repayment bill of {$5000.00} from Capital One, and I never received a credit card before. I subscribe to the USPS service, and they will take a photo of my letter before sending it to me. But I have never received a card from Capital One. I contacted customer service and they told me that there was no fraud. I feel angry, this bank is so ridiculous. In addition, I learned from the announcement of our community that there were many mailbox thefts in the XXXX zip code. I am not sure if it involves me, but I am sure that my SSN and credit are in a very unsafe place.I have contacted capitalone multiple times and have only received one letter stating that there is no fraud. This is ridiculous, I have never opened this card, I have never used it. I was not even in the US from XXXX to XXXX.I have already reported it to the FTC, this is my reference number XXXX
Consumer complaint received 2018-11-02
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: National Credit Systems,Inc. (MS)

I sent a letter to National Credit System regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to National Credit System back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my XXXX credit report immediately.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

In XX/XX/2018, I submitted preliminary personal information to ONE MAIN FINANCIAL ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the ONE MAIN FINANCIAL website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my XXXX credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at ONE MAIN FINANCIAL. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my XXXX report. She stated that the bank 's tech team had determined that, having visited the ONE MAIN FINANCIAL site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the ONE MAIN FINANCIAL main website page ( at a different, earlier time ). 

At no point did ONE MAIN FINANCIAL note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the ONE MAIN FINANCIAL representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from One Main Financial. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act conversion account name XXXX XXXX XXXX, account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX XX/XX/year> I recently received a copy of my Experian, XXXX and XXXX credit report and I noticed some late payments posted on my credit report Credit Acceptance account XXXX XXXXXXXX, I have attached a copy of my credit report with the proof of the late payments Your company is in clear violation of the law. Under 15 USC sub section 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 usc sub section 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation of 15 usc sub section 1681.