davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CSO Financial (OR)

XXXX is the debt that is in collections that won't get off my score. also my XXXX XXXX XXXX says a score of XXXX and XXXX XXXX and show fluctuations but my XXXX score hasn't changed at all?? So assuming I needed to contact you guys for help with those 2 problems
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WI)

I signed up for 7 day free trial upon logging in to cancel I could n't find anywhere to do so, I left a message on XXXX XXXX ( handles fraud claims ) on XX/XX/XXXX approx time XXXX XXXX On XX/XX/XXXX I received message from a XXXX tele # XXXX stating she was calling to make sure the 7 day free trial was canceled off my bank card could I please give a call back. XXXX. Upon calling back she verified who I was my SS # and e-mail and stated she could n't find anything under either SS # or e-mail I signed up for, only thing I signed up for was a FREE CREDIT REPORT every month ; so do n't worry nothing would be charged to my card. I later checked my credit report only to find Experian had put a Medical bill back on my account which violates HIPPA ACT and my score has dropped 50 points. I have voicemail presently and she was very misleading. Along with ; has my bank card or is it going to be charged? I Stated on the XX/XX/XXXX on XXXX vm I  wanted my service cancelled Do Not Charge My Card!!
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

XXXX, Equifax and XXXX, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Consumer complaint received 2017-06-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC (CA)

Hello, Today I received a menacing letter from a company called Collins asset group LLC XXXX XXXX XXXX, XXXX, TX XXXX. The letter I received claims it 's a notice of intent to accelerate and right to cure. The letter then goes on to reference " Please note pursuant to the promissory note executed on XX/XX/XXXX between you and XXXX XXXX XXXX in the original loan amount of {$22000.00} this letter serves as Collins asset group LLC 's notice of intent to accelerate the entire principal balance due of the promissory note. If you fail to remit the current outstanding past due balance in the amount of {$20.00} within 30 days of this letter and bring your principal payments up to date according to the term of the promissory note, Collins asset group will accelerate the entire principal balance of the loan that was not previously forgiven pursuant to our letter to you dated XX/XX/XXXX and refer your account to its legal department. " This is the first letter I have ever received from this company they are incorrect in stating they sent me a letter dated XX/XX/XXXX. Not only that but they are attempting to collect on a debt that is over 10 years old. I have researched this company and apparently they use the same dishonest tactics in an attempt to coerce people to pay debts that much like in my case are not even on their credit reports anymore. Much like many hard-working people in this country, when the mortgage crisis happened, I not only lost my job in the real estate business but I also lost the ability to pay for the mortgage I had. <P/>This company has not sent me a contract showing they lent me something or provided service to me or that I agreed to do business with them, I have told them that any contract with me has to be between the accuser and me with both of our signatures. I had no knowledge of this company until recently, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something. I have disputed this with all - credit reporting it has been deleted inXX/XX/XXXX. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. So, they are trying to collect again on a debt when does it end? Its like a merry go round and it 's unjust harassment because now I fear I have to go through the process again in order to get an old debt deleted, consumers are faced with these collections agencies that do nothing but waste time and I value my credit and it 's very important to keep these collections agencies away when they have no merit to pursue their actions.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Consumer complaint received 2017-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (HI)

My complaint is with t he Barclaycard " Gold Card ' ' credit card, that prior t o   XXXX    2016 allowed Service Members to not pay the annual fee for the primary and additional users and receive a 0 % APR for duration of   XXXX   XXXX   XXXX  . After   XXXX    2016 the company changed its policy and stated that the previous requireme nt was null and void and now all  XXXX   XXXX  would be required to pay the annual fee of {$990.00} per year. This change greatly affects the terms and conditions that were presented when I activated my membership on  XXXX   XXXX   2016 . I have the letter stating that in  XXXX   2016 , I would not need to pay the annual fee, not pay an additional user fee and I would receive a 0 % APR for my duration on  XXXX   XXXX   XXXX . I thank you for your time, feedback and support.
Consumer complaint received 2017-06-27
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CT)

I signed a Parent Plus loan for my son back in XX/XX/XXXX and XX/XX/XXXX. He needed the money for living on campus. His tuition was pretty much paid for through federal loans, and it is a state school so it was a little more affordable. The problem is is that someone went online and signed my name for 5 additional loans! I told Navient ( my server ) that there is no way I would have agreed to those additional loans. Apparently, everything is done online and they just need your initials to approve on it. However, not only would I not have agreed to more loans ( as I 'm a single mother that makes around XXXX a year ), I was dealing with a foreclosure on my home at the time. I could n't even qualify for a loan for my daughter around that time when she applied to college. I did n't think I could qualify for any additional loans. Navient claims that I could have " less then stellar credit to apply '' ( their words ), yet I did n't have credit at that time. Now, I 'm trying to make a fraud charge, yet I ca n't seem to reach that department. I agreed to pay the first two loans as that is something that I agreed to, but I ca n't pay for what would amount to around 100,000 dollars. My question is why did no one call me to see if this was something I would agree to? I think a telephone conversation should have followed up with a loan agreement. Would n't it be considered a red flag if you sign so many loans in a given time? I feel like there are not enough checks and balances and protections for co-signers? I 'm really not sure what to do. I may not get out of paying the additional loans. I really need some advice.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.
Consumer complaint received 2017-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Yes I had and complaint in the reference of inquiries that was taken off my credit report and then add it back onI called several times and they just give me the runaround
Consumer complaint received 2017-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery is trying to collect a debt that the bank has discharged and set off to the united states treasury, I dont know how they acquired this information but it IS NOT A DEBT, its only information, Now I say to portfolio Recovery, show me the debt that I owe with tangible proof!! show me the original instrument of indebtedness, in its original form, or show me a valid contract proving my obligation to perform!! I 'm not your customer I 'm not your member and I 'm not your contractee, and I 'm not your consumer get the XXXX out of my life before I call a lawyer and start legal action immediately!!!! THE BANKS DISCHARGE ALL DEBTS TO THE UNITED STATES TREASURY!!! so what kind of XXXX are you trying to pull?? how much did you pay for your information?? 31 U.S. Code 3123 - Payment of obligations and interest on the public debt Current through Pub. L. 114-38. ( See Public Laws for the current Congress. ) US Code Notes Authorities ( CFR ) prev | next ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( XXXX XXXX XXXX, XXXX XXXX, 1982, XXXX XXXX XXXX. )
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (WA)

" XXXX XXXX XXXX/NELN '' and " XXXX XXXX XXXX XXXX/XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been having tons of problems with my equifax credit report for the last 6 months or more. First of all noticed that a lot of my credit accounts that were reporting have disappeared. As well I have called equifax on numerous times regarding me not being able to pull my report from other credit monitoring services and XXXX XXXX. I have called and they have fixed it and goes back to the same problem. Every time I call they tell me that their is nothing wrong with my file and that these are third party monitoring services and try to sell me their product which I do n't want and do n't like. how ever this is multiple credit monitoring services telling me the same thing that equufax is the problem. Their is nothing wrong with any other one of my other bureaus beside equifax.
Consumer complaint received 2017-06-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I have tried to re fi with  Chase and  they have left me no option but to sell or let the house go back to them. At  XXXX   years old, I can not take this variable. While I did sign for it 10 years ago, they bought it from Wa Mu for   XXXX  on the  XXXX  so now they have a free ride. I now have a lawyer to go with me thru the sale or foreclosure of this property. If they give me reason, I will file a lawsuit for damages. They are ruining my credit along with my ability to live a serene life under their bogus loan.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX , XXXX , and Experian. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in -XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in -XXXX/ Account Number XXXX. Attached find supporting documents : XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 8 XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to XXXX XXXX
Consumer complaint received 2017-06-25
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. (MN)

I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized credit inquiry listed on my XXXX and Experian credit report that do n't belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/2017
Consumer complaint received 2016-09-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (TX)

Son received phone call to his cell phone looking for me. I was informed to contact XXXX XXXX about an outstanding debt. XXXX informed me that I owe a debt from 1985 from XXXX XXXX XXXX in the amount of {$2000.00} plus $ XXXX+ in fees and penalties. She had my full Social Security number and read it back to me over the phone. I was told that if I did not pay this now, I would face arrest and I would be met with my wages being garnished and property will be seized.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (GA)

- I opened a Wells Fargo Everyday Checking account on  XXXX   XXXX ,  2017  online and was told that I am eligible to receive a {$250.00} bonus once I complete a set of activities within 60 days of opening the account.   - I completed all the required activities within 30 days of opening the account. ( I can provide my account statement if required ).   
- When I contacted the company I was told that it may tak  e more than 45 days to post the bonus after completing the activities. It has been more than 45 days but I am yet to receive the bonus.   - When I contacted wells fargo again I was told that they would investigate and send me a the details within 14 days. It has been more than 14 days and I have n't received any response from wells fargo.   - I am attaching the email which I received when I opened the account. Please let me know if additional documents are required.
Consumer complaint received 2017-06-25
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: JPMORGAN CHASE & CO. (TN)

CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XX/XX/XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XX/XX/XXXX!
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I first asked the cred itor Jefferson Capital Systems to verify the  debt, they are collecting on behalf of  XXXX . I asked them to provide me with a billing statement to verify all charges from  XXXX , my account number from  XXXX  and the types of services I had. They failed to do this. I disputed this on my credit report as inaccurate info. The Credit Bureau responded and said that the information was accurate. I no longer disputed it and stated that it 's not under dispute anymore ; however, the collection agency sent me an actual copy on my credit report and I noticed that the information they have reported still is n't accurate and does n't make sense. They said the collection account was opened  XXXX . They are reporting that the date of first delinquency was  XXXX  which is incorrect because I still had services with  XXXX  in  XXXX  of   XXXX   and the account was active and open and not delinquent. They also reported that the date the first major delinquency was report was  XXXX , so if this is the case then how was the collection account opened before the first major delinquency was even reported. The dates are conflicting and it makes no sense and I requested the Credit Bureaus remove this inaccurate conflicting info but they still have refused to do so.
Consumer complaint received 2017-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC. (FL)

Ive disputed this debt with this collection agency on several occasions ... They have not sent me or verified the amount I truley owed to these apartments and could not show records of the apartments tenancy after I moved out. This apartment was leased to another individual shortly after i moved therefore I do not owe the remainder of my lease which this company has reported to all the major credit bureau 's for some time now.. collection agency is capstone credit and collections
Consumer complaint received 2017-06-25
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. (ND)

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017