davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on 11/16/21 2 on 11/17/21 and 8/15/23 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Recovery Solutions, LLC (CA)

A person ( s ) has been contacting my daughter and saying their is a court matter that I need to address. I tried calling the number today with the " case '' number and I was given no information without offering sensitive information like my birthdate and social security number. The lady " XXXX XXXX '' said I called yesterday and said I wasn't me and said I was a liar. No such event happened. I would like whoever this is to please stop contacting my family.
Consumer complaint received 2023-08-15
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. (CA)

On XX/XX/2023 I took my son to the AutoNation XXXX XXXX XXXX XXXX car lot in XXXX, CA. to purchase a vehicle of his choice with his pre-approved letter from his bank, XXXX XXXX. When he presented the approval to the salesman, he came back and said that the finance XXXX would not accept the pre-approval letter unless my son had a " back up signature ''. XXXX did I know, they were hinting that I needed to be a co-signer, When I gave the salesman my ID, He came back and said my son was approved for {$38000.00} plus fees for the XXXX and he needed my signature. I immediately asked to see the paperwork and discovered that the finance department had ran my credit without my permission, and wanted to use me as a co-signer. I was furious. I told my son we are not going to those papers because they ran his credit without permission as well, changed the interest rate from 7.9 % to % 15, and raised his payments to {$900.00} a month, from {$700.00}. This did not make sense because his preapproval letter was good for {$67000.00}. We then realized they were trying to scam us in order to use their own banks to finance the vehicle. That's fraud. So, we both backed up from the table and left. Now there's XXXX hard inquiries on my credit report!
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Hiday & Ricke, P.A. (FL)

On XX/XX/XXXX a second lien was added on my XXXX XXXX XXXX that I purchased from dealership. XXXX XXXX XXXX C/O HIDAY & RICKE PA. My mother who is joined by or and not and is on the loan and that is her debt that was not informed to me that would be  added. I am trying to refinance the vehicle to get it out of her name and only into mines however due to second lien i am stuck with high interest rate and high car payment. Hiday & ricke continue to state that i was informed when i was not.
Consumer complaint received 2019-02-03
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: Remitly, Inc. (PA)

I used remitly service to send {$1900.00} to XXXX The transaction was done on XXXX XXXX XX/XX/2019 The money was suppose to get transferred on XXXX th XXXX Today is XXXX XXXX XXXX but no updates Due to delay I occurred a loss as the money was sent to pay up my home loans The customer service is not able to solve the problem
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

My identity has been compromised since the year XXXX. The thieves used my stolen information to open a bank account with XXXX  XXXX XXXX. I became aware of this situation on Thursday, XX/XX/XXXX after I attempted to open a checking account with XXXX XXXX. At the branch, I was denied the checking account and was informed that It was due to a negative balance with a previous bank account. Afterward, I then reviewed my consumer disclosure report on ChexSystems.com, and that's when I discovered this negative XXXX XXXX XXXXXXXX account. I have never had an account with XXXX XXXX XXXXXXXX. This situation is a significant inconvenience and has drastically hindered my ability to open a checking account. Please investigate and remove this bank account from my consumer disclosure report and uphold my rights furnished by the FCRA.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a bankruptcy on all three of my credit reports and the courts said that they don't verify nor supply this information. My reports are all frozen or suppressed so I feel that they have incorrect information as a result of this public record being on my report.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

applied for card in XXXX XXXX Nevada, on or about XX/XX/2016 while i was at the XXXX XXXX XXXX store because it would contribute to the conservation of wild life and hunting rights. The approved credit Balance was not much but was happy to contribute. fast forward 30 -45 days after i applied there was no Card in the mail nor any statement. ( small purchase at the time of sign up ) i gave it another 15-20 days and there was no mail. i decided to call the number on the paper work that i was given at the time of application. and was able to speak to a Rep. i was treated like a debt beat because i was told that i was past due and that needed to make payment. i explained to the Rep my situation but i was told to make payment and that my credit line will also be decreased because i was late on the first payment. she would not understand anything that i would ask or requested. i paid and requested for her to send the statements and confirmed that my address was ok. i only recieved the secondary card that was mailed via overnight but not any statement or other information about the bank. fast forward today, i made payment for more than requested and was told today again that i was 60 days past due? i explained situation again to rep but she was very nasty over the phone her name is XXXX XXXX, she would not answer basic questions on my account and would answer with generic answers that would not resolve my issue. i asked to speak to manager and was transfered to a male by the name of XXXX XXXX who stated that he was a manager with conflict resolution team. i explained my problem and asked to help but was denied under the grounds that i was late ... ( payment was made 30 min prior to talking to him by phone service ) XXXX stated that i should of been on top of my account, he stated that its no Bank of Americas responsability to call customers and remind them of their payments or email them. i asked if they send notificaitons if there is an issue with an account? he said yes but i would need to set that up on the B of A website. i explained that i can not open a user password because i don't have an account number because i have never recieved a statement. XXXX said that is something i need to resolve with mail not B of A. no other assistance or guidance was provided. i feel that this is an unfair treatment and i know that there is other consumers like me that have gone thru this. please help. complain number is XXXX
Consumer complaint received 2019-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I have tried to contact different debt collectors multiple times for a debt that states XXXX XXXX XXXX i have tried to contact the debt collector XXXX XXXX XXXX only to be transferred and hung up on multiple times so I then try to disputed it with the credit agency Experian and they tell me that they verified the debt and it will stay I can not seem to have anyone tell me what the debt is for yet i to have to deal with the consequences of it is unfortunate and unfair
Consumer complaint received 2019-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

I believe I was deceived by Navient with repayment of my student loans, specifically private loans. I have notes of some of my struggle with Navient. My struggles started around XXXX when Navient was still XXXX XXXX. I was trying to find a way to get into a manageable payment plan and was directed into paying for a forbearance a couple of times ; I believe I paid {$50.00} the first time and then another was {$150.00}. I was then put in a payment plan. However, when Navient took over my payments they started to misapply the payment and some loans that were originally in the payment plan were no longer included. I have first names, specific dates, and some details of my contacts with Navient. I also have notes that some of my payments were misapplied. There's also an instance in XX/XX/2017 where payments were deducted from my bank account incorrectly which incurred overdraft fees. While Navient reversed these charges, they did not refund the overdraft fees that resulted in their mistake, despite the proof I sent them. I believe I was mislead and misinformed regarding my payment options.
Consumer complaint received 2019-09-19
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. (VA)

Collection account from XXXX XXXX XXXX is listed as having a balance of {$450.00} on my credit reports. I disputed with them on XX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.
Consumer complaint received 2020-02-05
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. (UT)

XXXX XXXXXXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.
Consumer complaint received 2019-04-10
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: EQUIFAX, INC. (CA)

two fraud accounts have been reporting on my equifax credit reporting agency, i have been disputing these two accounts, but they have not been helpful at all, these were disputed few times, XXXX  and XXXX have removed these inaccuracies, but equifax is unwilling t do so and they are not cooperating. one is a XXXX XXXX XXXX account and the other one is XXXX. 
i have already sent them police report and FTC report showing that i had been a victim of ID theft, but they have been playing me around and not placing correct disputes. it has been almost a year and very stressful and uncomfortable year. please have these two accounts removed from equifax reporting. 
thank you for your cooperation
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

Company called from XXXX. Claiming to be XXXX  XXXX XXXX. Caller was rude, put me on hold intentionally when I tried to give the proper information. They stated I was named in a complaint and will Be filing legal action if I did not pay now. They said it was An XXXX XXXX card also known by household bank HSBC. I tried to advise them this account was included and that the orginal creditor was notified of Chapter XXXX bankruptcy what was filed, accepted and XXXX in 2011. Making the debt uncollectible, as well as being outside of any statue of limitations. They are not accepting of the information and are telling me I must send them information. They are clearly in violation of the fair debt collection act on numerous things here ...
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Trident Asset Management, L.L.C. (TN)

Trident Asset Management Original Creditor XXXX XXXX. XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX and I am disputing this debt because this debt is originally from XXXX established in XXXX, FL. In the state of Florida the statue of limitations has expired long ago, and this company keeps opening a new first reported date as in the letter I have enclosed this date states XX/XX/XXXX. The last time this creditor contacted me was XX/XX/XXXX which the time had expired then. I have wrote all three creditors continuously from XXXX, and the creditor still disputes even though you will see from my report XXXX  states that this does fall meets requirement of the Fair Credit Reporting Act this is a violation. Trident disputes the original date of XXXX because they know this is a violation. They continue to keep this on my report and that is why I am contacting you, they are trying to keep this on my credit now until XXXX and at that time they will just renew.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I have been dealing with Mohela since my loans were transferred there. I was pressured to apply for the SAVE program and was informed this would lower my payment. It actually doubled my payment amount per month. This is creating significant financial strain on my family. 2 of my loans are ready to be forgiven. I have submitted up to date employment certification so that these loans can be forgiven, but I have been told it can take 90 days to process that information and then another 90 days to reprocess my payment amount. This is an absurd amount of time and is affecting my family 's wellbeing. Student loan borrowers should not be penalized for Mohela 's inability to process requests in a timely manner.
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

The debt is a collection agency claiming they have a debt from XXXX. This is not true and I have disputed this multiple times with the collection agency and the bureaus. This is directly affecting my ability to get approved for a mortgage.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MO)

They call from an " Unknown '' number multiple times a day, every day. Sometimes even on Sundays and After 9pm and before 9am sometimes. When I talked to them about it the girl on the phone was extremely rude and kept saying she didn't know what I was talking about and would interrupt me.
Consumer complaint received 2023-08-18
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. (TX)

I have sent a multiple request asking EQUIFAX how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account. 
XXXX XXXX   : Account number : XXXX,
Consumer complaint received 2019-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (KY)

XXXX XXXX  XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XX/XX/18 XXXX/XXXX XXXX XX/XX/18 XXXX   XXXX/XXXX XX/XX/18 All of these companies have been added to my credit report without my permission Ive fine called all of them and they said it would be disputed and off my credit report in 30-90 days and it has been that long since I contacted them and they still havent been removed from my report.
Consumer complaint received 2019-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

Today XX/XX/2019 I received an email that my dispute process was complete and was provided a link to access the results. 

Equifax 's procedures to access the dispute result are so onerous and faulty that it constitutes a refusal on Equifax part to provide information to me as required by law. 

Further, if one attempts to use the Help Chat feature, it is on during business hours until one submits a request ; then suddenly, it is off. 

I repeated the requested steps three times at least to access my information without success and Equifax refuses to provide a call number to help. 

Equifax is denying me reasonable access.
Consumer complaint received 2023-08-15
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. (MD)

HARD INQUIRIE ( S ) DELETION LETTER OF IDENTITY THEFT & FRAUD Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I have sent you another dispute month 's before. If you do not delete these fraudulent hard inquiries I will sue you for defamation of character. I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 


Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX  delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX delete it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX XXXX XXXX it from my credit report, XX/XX/XXXX Hard Inquiry : XXXX - XXXX XXXX delete it from my credit report, XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian per phone call on XX/XX/19, approx XXXX in reference to their response letter received per my dispute back in XXXX. The rep ( XXXX ) that I had spoken with stated that Experian does not investigate disputes, they just will submit info back to the US Bankruptcy Court in this case, to verity the account. I've stated to this rep that I have already disputed the verification and they have just came back with the account was verified. I explained my last dispute was asking what their Method of Verification is per FCRA Section 611, 6, A & B. As a Consumer, I have the right to request this and as well to receive this information per the Federal Credit Reporting Act as stated above. The rep has still declined to give me the information on their Method of Verification but I explained in detail what this is referring back to Section 611, ( B ), ( iii ). I had also referred back to my dispute letter that I had sent to them back on XX/XX/19. 
I had explained that I have the right to know their method of verification and stated that Experian is just going in circles around this. I am uploading a copy of Experian 's response letter that is clearly just questioning me and asking me to write them listing the items included in the bankruptcy or send them a schedule of this. This again is not the proper answer to what I'm disputing and now this rep has put in yet another dispute which is the same dispute I had mailed them back on. Per the FCRA, this credit agency is past due time in providing me information to my dispute and should remove this item from my credit report as they did not furnish the information to me. 
This is also to be added to this complaint. After questioning this rep several times on the same questions, the answers changed several times. In the last reply when I asked who they spoke with on this account and who verified it, she stated they spoke with the US Bankruptcy Court this time. I stated that I personally spoke with the US Bankruptcy Court of XXXX myself and they told me they do not furnish the credit agencies with information or verification. 

This Credit Reporting Agency ( Experian ) is in violation of this Act. They have not conducted a thorough investigation and did not supply me with the Furnishers information. There response letter again will be attached to show this information is not attached within as required by FCRA. I left the conversation stating I was going to file a complaint with CFPB as well with the State Attorney General 's office.