davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (CA)

This is my twelfth 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, CA XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (FL)

On XX/XX/XXXX, I received notification that my loans had been placed on the SAVE IDR repayment plan. My new monthly amount owed would be {$110.00} per month. Then my loans were immediately placed on forbearance. I received no further communication, either via email or mail, until XX/XX/XXXX. I received a letter in the mail stating my loans were one payment past due and my monthly amount owed would be {$160.00}. I have not been successful in receiving communication from Mohela regarding why my first payment was already past due and why the monthly amount owed is {$47.00} higher.
Consumer complaint received 2023-11-09
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: Debt Recovery Solutions, LLC (CA)

Debt Recovery Solutions runs my credit twice a year since XXXX without any legal right under Truth and Lending. Debt Recovery Solutions is a debt collection agency with no debt to collect from that I am aware of, at least not for the last 9 years, evidenced by CRAs reports. Debt Recovery Solutions is branding my credit reports as being of interest to collection agency. They have no right to run my credit for any reason. Being a victim of Financial ID theft for many of the years that this company has helped themselves to my reports, they present a clear and imminent danger to security.
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My account got restricted for the 2nd time in 2 months without explanations. 

these were the two last months before my annual fees were due.

When I called capital one on XX/XX/2020 at XXXX PST I have been transferred to 3 representatives who had put me on hold until the last one told me that I ll be put on hold for 5 minutes but never picked the line back after 20 minutes. i have waited a total of 90 minutes on the phone without even getting close of a resolution.

I also asked the first representative to get my annual fees refunded, but he told me that this was not possible since my account is restricted. So I couldn't get my annual fees refunded nor I can use my account.
Consumer complaint received 2020-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (CT)

XX/XX/2020 {$120.00} Also another amount of {$1700.00} company name : Dynamic Recovery Solutions The fraud being reported on my credit report FDCPA Section 807 Violation misleading false reporting this account is inaccurate and I'm seeking litigation. please delete it at once.
Consumer complaint received 2020-12-18
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: CITIZENS FINANCIAL GROUP, INC. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, CITIZENS ONE add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

Obtained a loan through XXXX XXXXXXXX XXXX  in XX/XX/XXXX for a XXXX XXXX XXXX. Contacted the company to arrange for late payment they claimed was never made and repossessed our vehicle a few days later without any legal notice. Because we were not made aware of the repossession, we thought our car was stolen. After finding out it was repossessed, we were not given the information as to where the vehicle would be sold or the option to pay the past due balance. I was not aware until this year that by Nebraska law you must give written notice before repossessing a vehicle. After selling the vehicle at auction, they showed a remaining balance that we would be responsible for. I understand that is how that situation works however, the bank has held on to the loan since the repossession in XXXX and has increased and decreased the balance without any payments coming from us. Since auctioning the vehicle, reporting of late payments after a repossession occurs is an error. I have disputed this many times and the bank had even agreed to remove it from my XXXX credit report but, have not for my other credit bureaus.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (MA)

I'v contact the credit reporting companies several to remove the illegal information, being reported to my credit accounts on the sites, because of them violating my right under the USC laws XXXX and nothing has happen.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

Obtained a loan through XXXX XXXX Bank in XX/XX/XXXX for a XXXX XXXX XXXX. Contacted the company to arrange for late payment they claimed was never made and repossessed our vehicle a few days later without any legal notice. Because we were not made aware of the repossession, we thought our car was stolen. After finding out it was repossessed, we were not given the information as to where the vehicle would be sold or the option to pay the past due balance. I was not aware until this year that by Nebraska law you must give written notice before repossessing a vehicle. After selling the vehicle at auction, they showed a remaining balance that we would be responsible for. I understand that is how that situation works however, the bank has held on to the loan since the repossession in XXXX and has increased and decreased the balance without any payments coming from us. Since auctioning the vehicle, reporting of late payments after a repossession occurs is an error. I have disputed this many times and the bank had even agreed to remove it from my XXXX credit report but, have not for my other credit bureaus.
Consumer complaint received 2020-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC (MD)

Never The application before their system timed out when I went back in to login it had a denial for {$200.00} loan that I did not request I spoke with someone at the company does telling me they dont know how to fix it the system was asking me for baking information I never submitted the application so how can they go forward
Consumer complaint received 2020-12-19
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: Credit Wise Recovery Solution LLC (PA)

1. My Credit Wise Statement reported that XXXX  did a hard inquiry for purposes of taking a loan on my credentials. This occurred XX/XX/2020. I called XXXX  at XXXX and reported the problem. They said the loan was stopped and provided me with the # XXXX for the incident. 
XXXX. My Credit Wise report showed that a credit card ; XXXX XXXX / XXXX was created using my credentials. I called XXXX 's and they transferred me XXXX XXXX fraud department. XXXX XXXX fraud department said that they stopped the card, don't know if this in fact happened. The date was XX/XX/2020.
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Automated Collection Services, Inc. (MN)

XXXX originated the loan in XX/XX/XXXX-XX/XX/XXXX Then, XXXX XXXX went bust. They at some point sold the loan to XXXX XXXX, out of Colorado XXXX XXXX has sent the loans to collections via ACSI, who is threatening to retain my tax refunds. XXXX never notified me of default. XXXX XXXX never provided due diligence/process of reconciliation, forbearance, repayment options etc. This ACSI outfit, whose mailing is labeled from XXXX, OR, and Kentucky, but call center in Tennessee is the slimiest debt collection institution. The threats and harassment, especially of stealing tax returns is blatant. Obviously their debt was acquired through completely deranged and incorrect channels. XXXX failed to offer due process of loan recovery, as did XXXX XXXX. I have disputed the validity of the debt to asci. The operators at their institution asked me for my full social security number, which I found to be a fraudulent method of verifying identity. I explained repeatedly that I believe their collection to be invalid and illegal, and will only verify by yes or no the information they may have on file, but will not be providing my full social security to them. They mentioned today repeatedly being concerned about them potentially being sued for fraud. I elxplained to them that they should be concerned, as they are in fact attempting to collect a debt not originated by them. Essentially, they are parasites, exploiting loopholes in student lending laws, targeting specific individuals in the population, harassing me and others and threatening to steal tax refund. They may not be obligated to abide by student lending laws, but they are obligated and under duress of law to practice legal debt collection ( s ) i.e. Offering resolution, due process. At no point was any effort made by any of the three involved institutions to resolve the debt according to either student loan lending laws, or economic/debt collection laws. During last conversation, XX/XX/XXXX. They alleged to have placed collection in dispute and suspend collection effort. When asked to clarify what exactly " dispute '' means, representative of ACSI stated that master promissory note would be sent to me.
Consumer complaint received 2023-05-20
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; 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 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (FL)

I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.
Consumer complaint received 2023-05-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I had a line of credit with Regions bank. I rarely accessed my checking, savings, credit card and line of credit. On or about XX/XX/XXXX I paid the full balance of {$4400.00} on the accounts and requested that the line of credit and credit card be closed. On XX/XX/XXXX Regions placed at {$47.00} maintenance fee on an account that was supposed to be closed. The fee then turned in {$190.00} because there were no notifications sent via email, mail or phone. I had this account for more than 5 years it shows that the fees were always taken from the checking account. During this period there was roughly {$24000.00} in the checking account. I was unaware that the line of credit was still open or there were fees being added and late payments being applied to the credit reports. When I purchased my house in XXXX I was notified of this on my report from XX/XX/XXXX then again on XXXX, XXXX and XXXX of XXXX. After contacting Regions 100s of times about this matter I finally got a rep named XXXX that said this was wrong and he would work to get the reports corrected. After about 60 days the reports updated and the negative lines were removed. There was a delay in my house closing which caused them the run my credit report again the day before closing and the negative lines were placed back on my report. This caused my interest rate to increase 1 point and I had to put down an addition {$25000.00}. My mortgage is now {$3700.00} instead of {$2900.00}. Now after all of this I still can not get the line of credit account closed. This makes no sense to me. The checking account and credit card is closed but the line of credit will not stay close. Regions will tell me its closed then 2 months later it will be open again. I've been into 2 different branches and requested it to be closed. They will say sure we are closing it now then it remains open. I can not keep loosing sleep in fear that a service fee is going to show up on my credit report. I do n ot do any business with them and should not have to keep monitoring a closed account. At this point I consider this fraud. They continue to charge fees on an account that I do not want open. I have disputed the credit report over and over in the last 2 years and they keep saying the chargers a valid and will not remove it. My current score is still XXXX but this is pulling it down from being XXXX and costs me additional points on my auto loans and other credit cards. I am requesting that the credit reports be corrected and the line of credit be permanently closed.
Consumer complaint received 2023-05-21
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. (FL)

I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

called to get pre-approved for a credit card for the capital one XXXX XXXX Rewards card ... and the customer service told me to apply for the secured credit card and after the first billing cycle go ahead and product change the card and if my credit is good they will do it without another hard pull ... not they are telling me i have to wait a year with the secured card before changing ... .. i called the eo and after a ''review '' they can do anything ... so im XXXX with a card with no perks at all ....
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-05-20
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: EQUIFAX, INC. (LA)

I recognized some unauthorized inquiries on my Equifax credit report. Knowing that its an act of fraud Im asking for them to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-19
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: Experian Information Solutions Inc. (NY)

There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : Experian, XXXX, and XXXX  who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

XXXX  XXXX  is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.