davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
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: MOHELA (CA)

XXXX XXXX, XXXX XXXX, XXXX, and US DEPARTMENT OF EDUCATION are violating my consumer rights. They keep transferring an alleged debt and reporting it to third parties without my consent. I didn't receive proper disclosures in regards to an unauthorized consumer credit transaction and they never provided me with original document evidence bearing my signature in wet ink.
Consumer complaint received 2021-12-24
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. (TN)

A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted XXXX to dispute it. XXXX sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.
Consumer complaint received 2023-12-07
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: SANTANDER HOLDINGS USA, INC. (AZ)

XXXX, XX/XX/2023. I never applied for credit, especially with XXXX XXXX. 

XXXX XXXX, XX/XX/2023. These, I assume, came with car shopping as a co-signer, I didn't know they were going to submit credit applications to other banks. 

SANTANDER CONSUMER USA, XX/XX/2023. Also, I assume these were from car shopping ; however, they never mailed a reason as to why and I never approved of them running it XXXX XXXX XXXX, XX/XX/XXXX, and XX/XX/2023. I applied for a credit card but didn't know they would leave a hard inquiry on my credit report. 

XXXX XXXX XX/XX/2023. Just went in to look around for a car, but never purchased it from there. Also never gave consent to run a credit application because we didn't need to.
Consumer complaint received 2021-12-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received an offer from Capital One to obtain a business credit card. So I called & applied. 
When I applied, the rep asked for my social security number. I advised her I was applying under my business Tax ID. She said they just use my SSN to verify my identity. They tried to pull my credit report but my credit was locked. I asked again that I did not want it under my personal credit. She assured me it was a business cards and would report under my Tax ID. I unlocked my credit so they could pull my report and verify whatever they had to do. 
Fast forward to yesterday, I received a credit alert that Capital One reported to my personal credit. The card and balance were reported to my personal credit, contrary to what what was advertised & what I was told.
Consumer complaint received 2021-12-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

A mortgage officer/sales manager offered first rates and terms with no restrictions. An executed purchase contract was provided to Citizens Bank on XX/XX/XXXX with no response. I contacted the mortgage officer by email on XXXX XXXX to follow up on next steps and received a email undeliverable message. I had to contact a general customer service line at the bank to determine who I should contact, since I had received no indication that the first mortgage office had left the company. 
I reached out to a second mortgage officer who declined to honor the unrestricted rates and terms and indicated that the first mortgage officer was not authorized to offer the first rates and terms and that she could offer second rates, which I declined. I requested by email that the matter be escalated to determine why the first rate and terms were offered to me at all. 
XXXX XXXX I had to reach out to the second mortgage officer, by phone, since I had not received any response by email and again asked the matter to be escalated. 
That afternoon I received the second rates again from the second mortgage officer, with no acknowledgment that these were different from the first rate and terms or that they had been previously offered on XXXX XXXX. I reached out to a supervisor who was also not able to answer questions about how the first rate and terms were offered and again declined to honor the first rate and terms. 
The evening of XXXX XXXX the second mortgage officer indicated, via email, that the rate for the application had been locked at the first rate with an exception requested for discounts points needed between the second rate and the first rate. The second mortgage officer indicated that disclosures would be circulated on XXXX XXXX. 
The disclosures were not provided until XXXX XXXX. The rate in the disclosures was locked at the first rate ; however, the PMI and closing costs were highly elevated above the first terms such that the mortgage was unreasonable. This complaint followed.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number XXXX XXXX, XXXXXXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 1 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2021-12-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank ( XXXX XXXX ) on numerous occasions has charged me {$2.00} " fee '' on a XXXX balance, never sent a bill or notified me. Then charged a {$35.00} dollar late on a XXXX XXXX. I have since closed the account and will close all accounts with these scumbags.
Consumer complaint received 2021-12-25
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: Experian Information Solutions Inc. (FL)

I know that under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX  ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AR)

This week and every month prior Chase Credit Card is submitting a payment through my bank at XXXX XXXX XXXX XXXX. When you dont have enough money they will resubmit the payment request to my bank until I have enough money to pay it. My bank then charges me a XXXX dollar nonsufficient fee each time. Putting me further in the hole. Chase is only authorized to request the payment once a month that is how it is setup. Im not sure if the bank is holding the request and submitting the payment repeatedly or if Chase is. I am XXXX  due to COVID and this practice has been contributing to bills not being payed, me being without electricity and facing possible homelessness.
Consumer complaint received 2022-08-31
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 several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX XXXXBalance : {$2200.00}.
Consumer complaint received 2021-12-25
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. (TN)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

AD ASTRA RECOVERY SERVICES , INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To : The Office of Registered Agent for AD ASTRA RECOVERY SERVICES , INC. 


From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Speedy Cash XXXX  is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Consumer complaint received 2021-12-25
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. (NJ)

The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : 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 According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out immediately.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding LLC says I have a deliquent account with them, they tried taking me to court to sue me, I was already to go and defend myself when they withdrew their complaint. Since they sent a notice of withdrawal, I want them to remove it from my credit report.
Consumer complaint received 2021-12-25
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. (TN)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2019-11-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group (CA)

The debt collection company has : - Called me at XXXX XXXX  by spoofing my work phone number. When I answered, they threatened that they were at my office to serve me with a subpoena. When I asked where they were, the woman provided an unknown address. I informed her that was the incorrect address. She replied with I am not going to play games with you and hung up. 
- Call me on a Saturday morning at XXXX XXXX, once I heard who it was, I hung up. 
- Called my Mothers number to state that they were trying to deliver something to me. I returned the call, and they stated that they would be waiting at my home with a subpoena.
Consumer complaint received 2021-12-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-25
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. (TN)

On XX/XX/2021 I checked my consumer report and noticed that Transunion LLC was reporting an inaccurate account on my credit profile. Neither XXXX nor XXXX has this account on my credit profile. This is a violation of 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. No other consumer reporting agencies have this account listed on my report. This makes this company also in violation of 15 USC 1681e- Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am requesting the information from the original creditor and also an investigative report as to why this account is reporting on my consumer report. 15 USC 1681g Disclosures to consumers ( a ) Clearly states Every consumer agency SHALL, upon request clearly and accurately disclose to the consumer : all of the information in the consumers file at the time of the request.
Consumer complaint received 2021-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MO)

I used a XXXX plan for 2 days and then transferred to XXXX in XX/XX/XXXX. Then I received a {$75.00} bill. I called XXXX in XXXX or XX/XX/XXXX. The customer confirmed that I didn't have to pay anything because I only used their service for 2 days. XXXX didn't send me any more bills since then. Recently ( XX/XX/XXXX ), XXXX asked a debt collection company ( Receivables Performance Management ) to send me a letter and said that I owe them {$75.00}. 

I tried to log in to my XXXX account but they deleted my account, so I was not able to download or see my final bill.