davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There are ( 2 ) Hard Inquiries on my XXXX credit report that I have no knowledge of. 
" I did not '' make theses inquiries and " I did not authorize '' anyone to do so on my behalf.

May I please have these unauthorized inquiries removed from my credit report. 
The dates of these unauthorized inquiries are : * ( XXXX ) XXXX XXXX Capital One ( bank ) * ( 2 ) XXXX XXXX Capital One ( bank ) Thank your your time.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prince Parker & Associates (AR)

The company Prince Parker and Associates continues to report an alleged debt owed to them by me. I have never agreed to do any business with this company nor have I ever heard of them. I have asked for a copy of any contract or documents signed by me agreeing to do business with them in accordance with Contract Law. They have failed to produce this instead they have sent me a copy of an old bill from XXXX, this is not proof of any agreement from me to do business with this company. It was my obligation to first contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it.
Consumer complaint received 2022-12-21
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. (IL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (LA)

XXXX {$15000.00} ; I did a voluntary surrender in XX/XX/2022 and they waited 3 months to pick up the vehicle and started submitting my account as late payments XXXX. {$750.00} ; the original amount of the purchase was {$490.00}. They lied about the open account date ; this account is due to come off my credit report They have never upgraded the payoff my home which was paid off in XX/XX/2022 which was {$75000.00}. My credit score never increased after this payoff Remove the Hard Inquiries which I did not give written consent
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-12
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I ordered a my ChexSystems report and noticed a unauthorized hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2023. Prior to applying for a checking / savings account with XXXX XXXX XXXX XXXX, I called and spoke to a representative and I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my ChexSystems report to see that it was a hard inquiry. 

A complaint was submitted to NCUA and XXXX 's VP responded indicating that the inquiry was soft and it was indeed hard ( viewed by others )
Consumer complaint received 2023-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (TX)

I borrowed {$300.00} tried to payoff the amount of {$450.00} still high in 90 days. However they are charging my {$82.00} biweekly for a year, which equals to {$1900.00} quadruple what i borrowed.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : BANK OF AMERICA XXXX
Consumer complaint received 2023-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Wolf River Development Company (IN)

I emailed XXXX XXXX customer service line on XX/XX/XXXXXXXX   to stop automatic payments. I received no response besides an automatic reply informing me someone would contact me on XX/XX/XXXX. In the past, when I have needed a deferral, they have always replied in a timely manner. 

On XX/XX/XXXXXXXX  I reached out again.again. No response was received besides an automatic reply informing me someone would contact me on XX/XX/XXXX. 

On XX/XX/XXXXXXXX   I emailed them and requested a deferral since I was not getting a response for stopping automatic payments. 

On XX/XX/XXXXXXXX   I was informed I could no defer a payment until my 4th payment ( I had refinanced thus restarting my loan ). 

Then recently ( I can not find the date ) I requested them to stop automatic payments again and have no received a single message.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I have requested answers multiple times why my XXXX XXXX savings account earns 8 times less interest than my checking account. NO ONE can give the answer. They switched my accounts about 6 months ago. I keep a high balance to prevent fees yet I am being penalized with a so called XXXX XXXX  savings account that pays little in interest. I am being ripped off. I moved most of my money to checking to earn better interest but that puts that money at high risk which is terrible. I want something done, this is deceptive and should be illegal if its not already. I have been with Wellsfargo for 23 years and they have ripped me off. I just cant believe it. I am livid.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

i am a natural person. i am a living human being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. i demand the accounts listed below be removed because according to 15 USC 1681 ; I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX,
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This was a disputed civil judgement concerning some pet issues, which was paid through the court immediately. 
The vindictive plaintiff evidently in haste went ahead and filed this complaint to ruin my credit. 
Again the bill in question was paid immediately to the courts
Consumer complaint received 2022-12-02
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Williams & Fudge, Inc (FL)

XXXX XXXX  put this collection on my XXXX XXXX in the past with XXXX XXXX XXXX in XXXX XXXX XXXX I called and emailed the issue directly with them as well as Consumer Finance to let you all know that I did not owe XXXXXXXX XXXX They got paid from the Department of Education in XXXX the last time I was an actual online only student. I never paid out of pocket. They only got paid from D.O.E.. When their funding stopped from thr D.O.E. for misappropriation of federal funding. The was taking to court. They lost the trial for being fradualent with the D.O.E. Asking for more money inappropriate like they have continued to do to me as well as several other students, in a last ditch effort to get more cash. Now they give the fraudulent collection to Williams and Fudge to attack my XXXX when I already gotten rid of them. In the middle of this time they have continued to call and harass me. My next step is a lawsuit for the harassment and they need to stop now. Because I won't. I care about my credit and I refuse for any lie to be on there at all. Enough is enough. I never owed them and never will. They unenrolled me in school XX/XX/XXXX after last class online without permission, ( I did not find out from till XX/XX/XXXX, when I went into my Department of Education Account, before they sent this to collections after manipulating me on phone to pay part, half or all to come back as a student. 

I have reported to XXXX, now Consumer Finance and next FTC and Williams & Fudge Collection Agency to resolve this. 

I have attached all the other CF reports I submitted. Along with the {$0.00} balance that I owe XXXX and the court news about the trial that they were involved with the list they was on with DOE to stop funding for being inappropriate and misappropriation of funding. XXXX lost and they continue to harass us students because they can not make anymore money from the D.O.E I have proven my case over and over. The collection agencies needs to be aware of the fradulant companies they are sending over collections for. I have great credit and I will not allow this to continue. I will report to all business ' that handle these situations daily till this resolved.
Consumer complaint received 2023-09-10
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Unauthorized hard inquiries from: 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 2023-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I scheduled my second loan to paid off on XX/XX/2023. The loan was {$3500.00}. The payment was reversed but I never received an email or any other notification stating that there was an issue. Had I not logged into my account then I wouldnt have known that it had been reversed. The bank information I entered was correct because it was the same information I used to pay off the other loan on the account on XX/XX/2023. I specifically wanted to take advantage of not paying any interest on my loan, but since they reversed the payment I have to pay interest. I resubmitted my payment in full including the interest because I want to avoid more interest being added on.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (NY)

I opened A new TD beyond checking account in XX/XX/XXXX on-line. I Received a post card in mail to apply.I had a direct deposit XX/XX/XXXX XXXX and XX/XX/XXXX from my employer into my account ( Met the requirements to receive {$300.00} bonus ). NO bonus posted!!! I have tried to call theTD bank at least 3 times : the last call was on these dates XX/XX/XXXX. I spoke to numerous different representatives/ supervisors regarding this concern, i WAS TOLD TO WAIT max UNTILL 140 days from the date I open the account to receive a bonus since all the requirement to meet the bonus was met. the last representative doesn't know why the bonus was not issued. 
Below is the terms *Offer valid XX/XX/XXXX thru XX/XX/XXXX and is available only to the person addressed in this mailer. {$300.00} bonus offer available to eligible new personal checking customers when opening a TD beyond checking account with cumulative ****direct deposit funds of {$2500.00} or more into the new checking account within ****60 days of account opening. once he criterion is met, the bonus will be credited to new personal checking no later than ****140 days from account opening.
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC (OH)

A debt of {$820.00} has been listed with the collection agency XXXX for the company XXXX. I have requested a notification of debt twice with no response from them. They never notified me of placing me into collections by phone call, email, or letter. I found out I was placed in collections after I made a phone call to them to verify my line of credit for a purchase. Now, on XX/XX/ I received an email notifying me that this debt of {$820.00} was sold to another collection agency : Atlantic Recovery Solutions as a sneaky way to avoid my requests. 
Collectors can not report a debt to a credit bureau before they contact me. Rather than XXXX verifying the information of this debt they sold this to another company as a passive collection tactic! Regulation F prohibits this, collectors have to contact me before they place an account on my credit report. I made payments up to the time when I placed a call to this company. I demand a letter that verifies the date this account was opened, the payments made, the day I was placed in collections, and why. Otherwise, please remove the account from my credit report as a violation of Regulation F. The information collectors must supply to debtors can only come from the original creditor.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

Acct # XXXX Wells Fargo Bank credit card has placed a lien on my home which is illegal to begin with. 

It's a credit card and transfers can not be made to a home. They can use a collection agency. 
Also Wells Fargo is bankrupt and has no standing. and the person signing the XXXX is XXXX and makes it a foreign entity trying to interfere. The document doesn't appear to show an amount, but the clerk of XXXX XXXX does not have the authority to just slap a XXXX on anyone 's property. 

Remove
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America keeps charging me late fees on my account. 
I am XXXX and can not afford to continue to pay Bank of American late fees. 
Bank of America failed to send me a paper statement and tried to pay my bill. 

I notice there is a late fee on my account and I reached out to bank of America to ask to remove the late payment, the late fee occurred because BoA fails to send me my paper statement.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (IL)

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX  XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX  XXXX ) of any sort. 

In regards to The company ( XXXX  XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX  XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (NY)

the student loan are over 20 years old and were at one point in default then they were removed of report almost 10 years ago. for some reason the student loans are back on my reports and reporting CURRENT. I have not seen or heard from these loans and could nit be current at all I called the loan carriers and they said they have no answers because they show no payments in over 10 years.
Consumer complaint received 2022-12-19
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)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.