davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information Northamerica Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - Capital One has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) Cap One Inquiry from XXXX XXXX XXXX Cap One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Cap One Inquiry from XX/XX/XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX  XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX XXXX Inquiry from XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

the company commonwealth financial have went ahead and enter on credit file two amounts that is not mine from XXXX XXXX for ammount XXXX AND XXXX for date XXXX, I have not gone to this hospital at all for any treatment or visit, so this debt is for someone else and need to de deleted asap, the tel # XXXX address : XXXX XXXX XXXX, XXXX, pa. XXXX. They have the wrong person credit file, need deleted from XXXX, XXXX, and XXXX. please you have help me before and I was happy with results.
Consumer complaint received 2019-05-08
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. (GA)

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2016-09-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (FL)

I have sent several request to this company asking for removal of this debt if they can not provide me my signature as required by the law. They have answered by mail with a bill but refused to provide a validation of this debt by showing me a signature proving it belongs to me. They are violating the law by not providing me my signature as per my wirtten request
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (NC)

I receive 3-4 calls a day from XXXX. Every time I answer, the phone immediately hangs up. 

When I call the number back, a representative says the call is being monitored & asks for name. Representative then pretends that they ca n't hear me when I ask what the call is about. After the rep. says " Hello '' 3 times, they hang up.
Consumer complaint received 2019-05-07
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: PlusFour, Inc (NV)

I had disputed several accounts posted by PlusFour , Inc collection agency in my XXXX  files that belong to my Ex-wife. 
Reporting agencies are supposed to report accurate information but XXXX continue to report accounts thatre not mine. 
PlusFour , Inc is aware that these accounts are not mine, but they continue to report these accounts to the credit bureaus. 
I had disputed these accounts with both XXXX  and PlusFour , Inc. 
The facts are, first I never been at XXXX XXXX XXXX for anything. Second my Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for purposes of filing insurance claims but, in no way, Im obligated to pay for any contract my ex-wife gets into it. 
XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled on time, they were settled at a later day and that was an error made by XXXX XXXX XXXX when they used my ex-wife social security number to summit the claims. 
So, getting back to PlusFour , Inc I was never notified of any collections by PlusFour , Inc or their client XXXX XXXX XXXX, I discovered these collections after requesting my credit report. 
Immediately after discovering that PlusFour , Inc had posted these negatives accounts on my credit report I disputed these accounts with XXXX and I requested debt validations directly thru PlusFour , Inc. 
PlusFour , Inc had never responded to any of my request even after I informed them that these are my accounts and they had not produced any documents showing that makes me responsible for these collections. 
I believe that XXXX favor they paid clients and really dont want to upset by requesting full verification from PlusFour , Inc. 
Its not fair that thousands of innocent consumers life is damaged by the behavior that XXXX had shown over the dispute process and collection agencies like PlusFour , Inc that reports inaccurate information without any consequences due to the loop holes in the laws.
Consumer complaint received 2019-05-06
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. (CA)

My credit score has dropped 106 point with Equifax. On XX/XX/XXXX it was XXXX and as of XX/XX/XXXX is shows XXXX. The problem is there are accounts that were included in my chapter XXXX bankruptcy that are now showing up as open and showing charge off 's. Two of my First Premier accounts, XXXX shows Charge off, XXXX XXXX XXXX  shows charge off. The chapter XXXX bankruptcy was removed which was discharged in XX/XX/XXXX for these accounts and recent charge offs were added instead which is incorrect. They even went back and changed the payment history to show that I was 30, 90 and 120 days late on accounts such as XXXX XXXX XXXX accounts which as also included in my chp XXXX bankruptcy. This has caused my credit score to drop 106 point. I am only having this problem with Equifax. This company has made a mess out of my credit report. A lot of accounts as I mentioned they changed the payment history during my time of when my chp XXXX  bk was filed in XX/XX/XXXX and then discharged in XX/XX/XXXX they changed to charge-off or that I was 30, 60 or 120 days past due and removed these accounts from showing they are included in the bankruptcy. If I file a dispute they just make things worse and drag it on another 30 days and change something else that was correct or just needed something simple changed that they make worse by putting it has been past due in the last year which is not accurate information. It's unfortunate that I have been dealing with this for months now and it is very frustrating and ridiculous.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (OH)

After reviewing my credit report, I've discovered a couple of discrepancies in billing that need urgent attention. These inconsistencies highlight a significant failure in the creditor 's management of my account, for the accounts listed above. It's my right as a consumer to receive a credit report that is always 100 accurate. I respectfully request that the mentioned accounts cease to negatively impact on my credit report or be promptly removed. Additionally, any remaining information lacking proper evidence or precise details should be promptly eliminated. Your prompt assistance and consideration in resolving this matter are sincerely appreciated.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (TX)

I contacted Trident due to noticing a collection on my credit reports. I contacted them for validation. I was sent a print out of a phone bill from XXXX that I did not recognize. I contacted XXXX who said they have no records of the account. I 've attempted on several occasions to get Trident to validate that I owe this money to them & they have n't but continue to report this collection on my credit reports.
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service (FL)

XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Military Star which was listed on my credit report requesting validation of this account made pursuant to the Fair Debt Practices FDCPA & 807 ( 15USC 1962e ). I requested that if they could not validate the debt, that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XX/XX/2016 I sent another certified letter to Military Star informing them they had not sent me any copy of viable evidence bearing my signature and that they had not replied in a timely manner to my initial letter. XX/XX/2016 I pulled another copy of my credit report and noticed that Military Star did not add the required " notice of dispute '' verbiage to my account per Federal Law. On XX/XX/2016 I sent a third certified letter to Military Star informing them that they did not furnish the credit bureau 's with the required disclosure within the period required by the law and that they are required by Federal Law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2016. Clearly copies of my credit report dated XX/XX/2016 show no such required entry. XXXX is in violation of the Fair Debt Practices Act by not sending proper documentation requested and furthermore is in violation of Federal Law by not adding the notice of dispute on my account.
Consumer complaint received 2015-07-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (CA)

received collection notice from Dynamic Recovery Solutions XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELIS RECOVERY MANAGEMENT, LLC (MD)

I spoke to XXXX from Fidelis Recovery Management ( XXXX ) XXXX/XXXX/16 XXXX about a past due balance on an old MasterCard we came to a settlement amount of {$510.00} that would be made in 3 payments via debit card I made the first payment over the phone on XXXX/XXXX/16 the following dates we agreed on for the next two payments were XXXX/XXXX/16 and XXXX/XXXX/16 to close the account. On XXXX/XXXX/16 an unauthorized payment went through my account for {$170.00} I called XXXX and requested the funds be returned asap as I had a check for my electric bill that would post to my account anyday she replied that she was going to get fired for running the payment on the wrong date and asked if she could keep the money. I told her losing her job is not my concern as we agreed on the dates of XX/XX/XXXX and XX/XX/XXXX she said she would call her manager and call me back in the afternoon. I did not get a call from her that afternoon. I called the next day she said they are still trying to figure out how to get my money back it is now XXXX/XXXX/16 and I have not heard back from the company or received my funds back.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I am requesting that you remove the late payment from my account as it is inaccurate. I have never been late with this account and have been working hard to make my monthly payments on time. This late payment is unacceptable and I urge you to take immediate action to rectify this error. I have attached relevant documents to support my claim.
Consumer complaint received 2019-06-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

On XX/XX/XXXX, talking with company customer service, I finish my business an they ask if I want to talk to " Re-Fi ''. I say yes to find out the rate. He quotes me 6.1 %, I say no thanks and hangup. ( I have a current 3.5 % mortgage with the same company. On XX/XX/XXXX, I get a Docusign in my email for a refinance of my mortgage! 
I call numerous times to numerous peoeple at Caliber Home loan to determine what this is ( see attached ). ( over 6 ca unanswered calls, and numerous people playing games to divert the conversation. Having looked over this form, Iwil state that at no time did I " withdraw the account ''. I saw niothing to that effect and never signed anything.

I have a concern about Caliber will now handle my existing mortgage, and if there was criminal or illegal activity by Caliber. An attorney has already been conferred with. I am awaiting your decision ( see further nites and attachment ).
Consumer complaint received 2019-05-06
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: Second Round Limited Partnership, Austin, TX Branch (MO)

Now there is another company that opened up an account in my name and it is on my credit report. The company name is Second Roundup LP. This company got my name from XXXX XXXX. this company has access to my personal information. These collections companies purpose is to destroy my credit rating. The fact that they opened up an account is my name is fraud. It is fraud because I was not aware of this company had opened up an account in my name with information given to them by XXXX XXXX.
Consumer complaint received 2016-04-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (VA)

I purchased a vehicle in XXXX and financed it with Primus financing the car was voluntarily repossessed because of an accident that occurred, and so I had to pay the balance of the loan off anyway. So from the time that I repossessed the car until it was paid off this was around XXXX I believed that it was entirely pay off I had a statement from them on the stated how much I have paid but it was upwards towards {$10000.00}. So I thought that it had been paid in its entirety. So now XXXX years later I get a letter that states that I owed them an additional {$270.00}. The letter stated that it was from a law firm in XXXX Maryland, This XXXX, MD XXXX. They are charging me {$1200.00} for lawyers fees and court costs, which brought the total to {$1900.00}. So I want to know how they can do this without notifying me of the {$270.00} which I would have gladly just paid off if they had proved to me that I still owed it. Now they are garnishing my paycheck and I only make {$10.00} an hour and they are now taking XXXX dollars a week out of my check.
Consumer complaint received 2016-03-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd. (TX)

A lady named XXXX XXXX called from XXXX to my place of work, I called back and she claimed to be from a law firm, collecting for the cash store. when I asked for her mailing address she became irate and said my attorney should contact them. She asked why I wanted the address, I stated that I did n't believe they were a law firm. At that time she yelled " XXXX ''! I hung up. she called back but I did n't answer. she left another insulting message on my voice mail,
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Billing disputes — 
Company: REGIONS FINANCIAL CORPORATION (CA)

Late Fee & Finance charge on each statement not allowing the account to be paid off with XXXX / XXXX. When calling representative " XXXX '', as well as others give credit of Late Fee after escalated words but new charge is reapplied. Late Fee is accessed even if there is not a balance on the account. Most recent statements have a Late Fee of {$77.00} which accumulates. Told statement is mailed by the XXXX but receive hard copy by the XXXX of the month. When calling the representative will not give you a Supervisor. Company holds payment past due date and mails statement out later than the rep. will state on the phone when speaking with XXXX XXXX. Feels like black mail and sheer embezzlement of funds.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EOS Holdings, Inc. (MN)

I am receiving harassing, threatening phone calls and phone calls of death threats from representatives from EOS CCA debt collection agency in regards to a debt owed to the original creditor : XXXX XXXX. This debt do not belong to me and is the result of identity theft. I am a victim of identity theft.