davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (FL)

Upon reviewing my report, I discovered two hard inquiries that were not authorized by me. I would like to request the removal of these unauthorized inquiries from my credit report as they have the potential to negatively impact my creditworthiness. 

These unauthorized hard inquiries appear on my credit report as follows : [ XXXX XXXX XXXX XXXX XXXX Inquiry Date : [ XX/XX/XXXX ] [ XXXXXXXX XXXX XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] I have not initiated any business transactions or applied for credit with the mentioned companies or institutions on the respective dates mentioned. As a result, these inquiries are not only unauthorized but also inaccurate, and I am deeply concerned about their presence on my credit report.

In addition to the unauthorized hard inquiries, I would like to bring another matter to your attention. I have recently filed a report with the Federal Trade Commission ( FTC ) regarding potential identity theft, as I have been receiving mail pertaining to vehicles I do not own. This suggests that there may be fraudulent activity associated with my personal information, further underscoring the urgency of addressing the unauthorized inquiries on my credit report. 

I kindly request your prompt attention to this matter and the removal of the unauthorized hard inquiries from my credit report as soon as possible. I have attached a copy of my FTC report for your reference. 

Please inform me of the actions taken to rectify this situation and provide written confirmation once the unauthorized inquiries have been removed from my credit report. 

Thank you for your prompt assistance in resolving this issue. I look forward to a swift resolution and maintaining the accuracy and integrity of my credit report.
Consumer complaint received 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I am very devastated for all the excuses Rushmore has gave me in order to not approve me an affordable offer instead I am being asked to pay {$11000.00} as a good faith down payment and additional to that I need to pay 6 monthly of installments for the amount of {$1800.00} but it does not stop in the paper work it states to continue making payments after I complete the 6 installment payments until I received any permanent modification contract. However the trials are higher then what my mortgage was before I started to fall behind this is not helping my situation because my monthly mortgage payment was {$1400.00}. Rushmore knows I can not pay that large payment even though I had tried to negotiate the good faith payment Rushmore does not want to work with me. I am a single mother and I do not want to lose my house. Rushmore has set a sale date for XX/XX/2016 to have me removed from my house and to make matters worse Rushmore now does not let me speak to no agents from Rushmore instead I need to negotiate with Rushmore Attorneys because now they have my case.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates (MI)

I 'm showing this is a XXXX debt, but my XXXX account has been closed since I moved from XXXX back to XXXX in XXXX of 2015. I did not have any outstanding bills and if I did, I was never notified or sent any information regarding this.
Consumer complaint received 2015-11-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DE)

I took out a loan with One Main Financial and they said that my payment was going to be {$180.00} dollars a month, but when I went online to look at my account summary my payment was only {$130.00} a month. I called them to asked about it but was told to call back, and I called back and was told that they would call me, but I never got that call
Consumer complaint received 2015-08-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (CA)

On XXXX XXXX, 2015 I received e-mail from CashCall offering a settlement on a loan I had due to them with a XXXX time payment of XXXX. I am attaching the e-mail in this correspondence. I spoke with my family and they were going to provide the amount so I could settle the debt. 
I called CashCall and said that I wanted to settle based on their e-mail. They were to move forward and provide the documents necessary to do this. 
Follow-up calls were made and nothing ever happened. 
After a period of time I called CashCall again. This happened on XXXX XXXX, 2015. They said that I would have to deal with a new contact. This new contact was XXXX XXXX XXXX. The number given to me by CashCall was XXXX XXXX. I was to call them from this point on. I called this number I spoke with someone who would only identify himself as XXXX. XXXX said he represented XXXX XXXX XXXX. XXXX said that everything was transferred to XXXX. Their number was XXXX XXXX XXXX. I then called this number. They took down my contact information and said that someone would get back to me. I received a call from XXXX XXXX. He said that he works for the XXXX XXXX XXXX XXXX. He was calling from XXXX XXXX. He said that the offer is not available and I will be dealing with him now. He demanded payment of approximately {$5000.00}. He said that if I did not pay, he would take legal action and sue me. He said that he would put a lien on my house and levy my wages.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Recovery Management (TX)

This company is attempting to collect a debt that is a result of identity theft. This company previously responded to complaint XXXX by stating they have a duty to open a " reasonable '' investigation and that they have not been provided with anything to back up a claim of identity theft. 

To date this company has received : the official dispute from XXXX XXXX which, after XXXX did their own investigation promptly removed this item completely from my credit file. Still working with XXXX and XXXX to do the same ), a copy of the FTC affidavit of identity theft and a letter from my bank XXXX XXXX XXXX XXXX documenting the data breach they had which resulted in my identity theft. This company apparently considers " reasonable attempts '' at an internal investigation to mean not reading the initial dispute. The dispute states that XXXX Bank had a data breach which resulted in all of my personal information. Fox Collection Center has made it their position that because the services in question were opened using my driver 's license information that this debt must be valid. Obviously that logic is erroneous given that by definition identity theft is the theft of one 's identity which includes their personal identifying information - i.e. driver 's license. Note that the driver 's license in question is not even in the state the services were rendered.
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: Penn Credit Corporation (OR)

Multiple phone calls per day from Penn Credit regarding ex husband who has not lived here for more than a decade. Refuses to leave a message on the answering machine. Has been told previously ( on several occasions ) that this person does not live here and we do not have a way of contacting him and we have no responsibility for his debts.
Consumer complaint received 2016-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

I was told by the leasing agent of an apartment complex that there would only be a {$600.00} penalty if I broke the one year lease. This would be paid by surrendering my security deposit which was {$600.00}. there was no mention of a Buy-Out Option Settlement agreement at the contracting phase. However, upon giving my thirty-day notice four month into the contract, I was asked to sign a settlement agreement for {$3100.00}. I lined-out that amount and wrote into the agreement the {$600.00} that I was quoted upon leasing the apartment. The apartment manager approved the agreement form as modified with her signature, and then took the {$600.00} deposit as payment. Two months later, however, I was contacted by a collection agency claiming that I owed the apartment complex {$3100.00}. I sent them the modified Buy-Out agreement for the {$600.00}, and the notice that the {$600.00} had been collect by the apartment manager. Since then, I have been constantly hounded and threatened by the collection agency for the last five months attempting to collect a much larger amount of {$6800.00}. I am now being threatened to have my good credit destroyed by placing this false delinquency with the three major credit bureaus. I 'm asking your agency to advocate for me in this matter so that my good credit will not be effect by a overzealous collection agency, and have the unjust harassment stopped.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX
Consumer complaint received 2020-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my XXXX report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX XXXX 2016 I was contacted by Capital One 's fraud department in regards to my credit account. According to their representatives someone called them, verified all of my personal information, and attempted to change the billing address and email address listed on my account. This follows a separate fraud attempt about 3wks prior where someone had called attempting to add themselves as an authorized user to my account. The card they issued fraudulently was frozen, and I 've since closed this account and placed an alert in my credit file. I 'm troubled that Capital One would not provide me, as a victim, with documents and information related to this fraudulent transaction using my personal information as required under the FCRA. I asked the name ( s ) of the person who requested to be added to my account along with the email address ( es ) and billing address ( es ) they attempted to use but was told by the representative that I could simply file a police report using the case number they gave me. I find this unacceptable as without specific information the police department in my area is very unlikely to be able to follow up, giving this individual the opportunity to defraud me further or defraud other individuals.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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

has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-04
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE AUTO FINANCE # XXXX Claims I owe them for a car I never signed for. My daughter bought this car and I did not co-sign or sign my name to anything in reguards to that vehicle. It would be impossable for them to produce any paperwork that correctly matches my signature. I am requesting this account to be removed from ALL XXXX reporting agencies A.S.A.P.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (UT)

XX/XX/2016, I answered an Internet email advertisement about getting a Mortgage on line. I was also talking to a local company about a Mortgage and should have stayed with them. When XXXX of the Representatives from The Loan Depot contacted me ( an Internet Mortgage Company ), I decided to give them a try because of their excellent promises of " getting it done in 30 days ''. I had been warned about on line Mortgage Companies, but these people are good ... .and they talked me into going with them. The process dragged on and on and on ... ... and I really do n't think that Loan Depot steals money from anyone, they just promise money back and credits on your closing costs as long as you do what they say ... ... and then the approval process begins. Now that they have everything you can imagine about yourself, including pictures of your personal items in the home ( proving that you really live in the home ), it drags on and on and on. When they XXXX up, they ignore you. When you drag your feet, Loan Depot gives you the " death promise '' ... ... if you do n't do this or that, you are out, this loan is over. The problem with this loan was that I was coached to say things, send in items that did not exist ( which I did not send ) and then they just NEVER get it approved!! The real confusing thing was that I was told that the Loan was approved, we got a call from XXXX different sources, the Title people and the Insurance people telling us to get ready for the closing ... .and then silence ... ..nobody is returning calls and you start getting the run around. Then, on a Saturday, when they do n't think you are going to answer their phones ( because they are always phone numbers that are blocked ... .DO NOT SAY LOAN DEPOT, like good companies have on their caller ideas ) and you do answer and they tell you at the last minute, this loan is not approved at what amount you needed, but we will approve another lower amount. I told them to go for it, and once again, they started putting me through the " approval process '', unbelievable. So, after almost 90 days of Loan Depot 's promises, NOTHING ... ..and then finally a " this loan can not be done, because you wo n't give us what we need, which is items that are impossible to give them ''!! CONSUMERS, go with your gut, but DO NOT use Loan Depot or any on line Mortgage Company. If you can not go somewhere and look at these people across the desk and make them responsible for what they say, DO NOT play their game. They promise the moon and deliver nothing. Even though, they represent that they do thousands of loans a week ... ... and maybe they do. Nice people, big promises, NO RESULTS!! PS I went back to my local Mortgage Banker, locally, and they are closing on my loan next week for the full amount I needed. Thank you CFPB for allowing us, as consumers to get word out on these kinds of companies.
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

Telephone bill from XXXX sent to Diversified Consultants ( DCI ) for collection while I was disputing the amount owed. I was contacted by DCI and again, I notified them the amount owed was inaccurate. Eventually, we agreed on a settlement amount which was verified/confirmed via letter from DCI stating the terms of the agreement. Payment plan was arranged and agreed upon to settle the debt in 3 monthly payments. I was told if I agreed to automatic payments, no further action would be taken. therefore I agreed to ACH debits from my account. 1st payment was submitted at time of agreement, 2nd payment withdrawn from my account one month later ; however, 1 day prior to 2nd payment being withdrawn, DCI submitted this account as a collection on my credit report, which, in effect, caused financial harm by preventing me from closing on my home which was in escrow at time of occurrence.. I have spoken with XXXX different 'managers ' at DCI whom responded they will only update the entry to 'Account in Dispute ' which of course does n't change anything and is of no benefit in rectifying this situation..
Consumer complaint received 2016-06-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

To. the Consumer Financial Protection Bureau Greetings, My name is XXXX XXXX I want to file a complaint against the USAA Federal Savings Bank and to the XXXX for collecting a Debt that I do not owe and unrecognized Account that I never knew, base on my knowledge I only owe XXXX Debts which is settled by the Debt Settlement Company that I enrolled through the Debt Settlement Program the first Debt was settled through XXXX XXXX XXXX XXXX a Secured Credit Card Account. # XXXX which I paid in the amount of {$5800.00} both Me and the XXXX XXXX XXXX XXXX agreed on the settlement letter. and the other Debt was Unsecured Loan with Account # XXXX which is Settled through XXXX XXXX. both Me and this Collection Agency Agreed which I paid in the Amount of {$2100.00} through the debt Settlement Company that I enrolled. can you please Help me to Investigate this case. so that this Bank and the Collection Agency stop their unfair Collection Tactics. 

Sincerely XXXX XXXX
Consumer complaint received 2016-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

Less than minimum payments were being made to a closed account with XXXX. XX/XX/XXXX I sent a written letter in advance to XXXX explaining about a medical hardship ( husband XXXX XXXX ) and why the account was being closed ( could no longer afford it ). Before closing the account tried several times to reduce plan but could n't get a better deal. In closing plan I was charged termination fees for XXXX phones, XXXX tablets, and 2 months past due. I disputed it but it did n't get any attention. Fast forward to XXXX XXXX and I get a credit alert that Diversified Consultants reported on all XXXX credit bureaus that I owed them for XXXX. I never confirmed anything with this collection agency. If I did n't get the credit alert I would not have known it was there. XXXX has been taking my money before and after I closed the account and not once referred me to this collections agency. I contacted XXXX to speak with a rep but since the account was closed no one could help me. I went to XXXX to complain and I finally got a response. XXXX XXXX from head quarters contacted me and set up a plan for me to ( 1 ) return the products and ( 2 ) lower my bill. On our initial call I told her I did n't understand why they went to the collection company when I was making payments and sent them a hardship notice. She gave me the impression that once I cleared the debt ; in which I did, then she ( XXXX ) would send me something in writing paid in full and have the collection company to be removed. When I contacted her a week later ( have the email communication to confirm it ) to ask about my letter she was delayed in her response but before the account was paid she was quick to respond. She finally responded and said her collections department will get the letter to me in 7 - 10 days. then I responded again saying please be clear we both know this transaction was handled with the original creditor I 'm confused about this collection department. She responded back saying that Diversified will send me a letter stating paid. I informed her that I feel like she used me to get this payment to funnel the money to the collection agency without even stating this in our phone conversations nor our email communication. Now this collection agency has reported this on all three credit bureaus as if I paid them. That 's 7 years on my credit report. This is like a hustle and I feel swindled.