davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was made aware of this account in XX/XX/XXXX when I already had a fraud alert. I recently spoke to a representative who finally heard my concerns ( last week XX/XX/XXXX ) and she went through the account ( no other representatives did this ). She let me know the email and number that was created with the account. My mother XXXX XXXX made herself a card user after making the account with my social. Ive stated to multiple representatives that I just graduated high school in XXXX and would have no knowledge of the credit pull. Capital One has charged the account to my credit when this is identity fraud and is clearly seen from the account and the transactions. The representative also stated some of the transactions and I didnt own a vehicle or anything until XXXX which my aunt and uncle helped with due to issues at home, which I have proof of. This is FRAUD. I XXXX XXXX XXXX did not give consent nor make this account. Please remove this from my credit history or XXXX have to take legal actions on Capital One for making false claims. Capital One knows theyre in the wrong because I was never contacted, seen in person or given a signature for them to create this account. When you co-sign someone that individual has to be present to give consent Ive never done this or been aware of this account until this year when I myself pulled my credit history. I lived with my mother in my early XXXX so the fraud department keeps ignoring my claims of it being fraud since address are the same. They arent looking at the transactions or who is paying the card off ( I had no idea it was getting paid until I checked XXXX, I dont have the account number or anything because I did not know of this account ) .I ask to please check back all recordings to Capital One because I give my social every time because again I had no idea of this account, Ive never had a Capital One account ever in my life. I also dont live with my mother anymore and have given my information to contact me in the investigation and they havent, Ive reached out myself every time. Ive also submitted several claims to CFPB, multiple police reports and multiple disputes with XXXX. Capital One isnt doing their job and its ruining my life because theyve closed and charged the account to my credit. Im a XXXX student studying XXXX ( just went back to school ), I dont have a credit card and havent had one since XXXX XXXX XXXX again I can show proof of this.
Consumer complaint received 2019-06-17
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. (WI)

Hey I opened up a XXXX XXXX XXXX account through XXXX XXXX then I closed it paid it in full with my payees help however the credit bureaus are all showing that this payment was late and that it's a derogatory account. may I remind you that this was closed months almost years ago this was paid in full on a payment plan it is zeroed it should not be marked as derogatory this letter that I'm attaching to this complaint will verify that it's been paid please forward it to the this complaint and the letters to the credit bureaus all three of them
Consumer complaint received 2023-04-06
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: The CBE Group, Inc. (NC)

XXXX This showed up on my account I didnt request this from them. XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  Inquiry : 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 Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXXXXXX XXXX XXXX XXXXXXXX. 
( XXXX ) XXXX JPMCB - CARD SERVICE Inquiry : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX OF Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX All Banks XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX
Consumer complaint received 2022-08-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-06-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

Had an account with newspaper company -- XXXX XXXX XXXX ( XXXX XXXX ) and subscription expired. They continued services without my authorization and deducted from my credit card without my authorization on two different occasions. 

This is fraud and I notified the credit card company who cancelled the card and reissued the card. They continue to do so.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance to the Fair Credit Reporting Global Lending Account 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  has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-11
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)

After receiving a copy of my report, I saw these INACCURATE items on my personal profile, I noticed that there are ITEMS still on my credit report which are still continuing reporting. This is disappointing because I have been disputing fraud accounts on my credit report all this time. I do'nt like what i've found. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove all the inaccurate items which are opened without my knowledge and consent. So these are the fraudulent items needs to remove : 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 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
Consumer complaint received 2019-04-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AR)

WENT ON XXXX TODAY AND GOT AD FOR CONSUMER LOAN FROM ONE MAIN AD INSTALLMENT LOAN TO HELP WITH BILL CONSOLIDATION. THEIR AD ARE MISLEADING THE CONSUMER! ATTACHED SEE THE ATTACHED TRANSACTION START TO FINISH. ALSO, THEY ARE NOTORIUS FOR PULLING PROMO-INQUIRIES AFTER OPTED OUT, ONE MAIN IS VIOLATION ALL 50 STATE DECEPTIVE TRADE PRACTICES ACT AS WELL AS THE DODD FRANK WALL STREET REFORM & CONSUMER PROTECTION ACT. ( TITLE X ) AND NEED TO CHANGE THEIR BUSINESS MODEL AND INFORM CONSUMERS MIN SCORE AND THE FACT DO NOT DO BUSINESS IN ALL 50 STATES.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and I've been receiving letters stating I'm using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (AL)

Per the FDCPA I requested verification of debt from EASTERN ACCOUNT SYSTEM OF CONNECTICUT, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. EASTERN ACCOUNT SYSTEM OF CONNECTICUT has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).
Consumer complaint received 2023-04-09
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. (AZ)

I have reached out to experian and filed disputes about the two negatives on my credit report. I get no response and don't know why it is still showing on the credit report after 10+ years. Law states that it should automatically drop off credit report 7-10yrs. This debt started in XXXX well beyond the laws stated drop off period.
Consumer complaint received 2018-06-18
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. (IL)

Around XX/XX/2018 I had my credit report run for a rental application. XXXX   stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called XXXX they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking XXXX to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with XXXX ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that XXXX provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is XXXX that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).
Consumer complaint received 2019-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (MD)

I am not sure of this debt. I sent validation of debt certified mail. I made payments to stop this from going on my credit report until validated, which they agreed if I made payments they wouldnt report. They reported the debt even tho the payments were made as agreed.
Consumer complaint received 2019-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

The buyer XXXX XXXX first contacted me saying she wanted to buy the pants for {$8.00} when they were listed for {$15.00}. I made a Counter offer of {$11.00} and she accepted. The pants were described as being in very good to excellent condition, but I was selling them due to being too small. She Became abusive on XXXX saying I was a XXXX, XXXX person. She wanted To keep the pants, but wanted me to give her an {$8.00} discount, Thereby giving her the pants for free. She also chose {$10.00} shipping even though the listing only offered {$7.00} as shipping. XXXX ruled Against her and then she went to PayPal. Paypal asked her to return the pants and she shipped a different pair in size 27. The pants I sold were a size 29. 

When XXXX asked her to send photos to me as proof, she never responded to the request for photos. Her ratings ( shown here ) show that XXXX has had to delete several of her reviews because she has been INAPPROPRIATE. Buyers like this are harmful to The XXXX and Paypal community. 

I want my money back. She committed FRAUD and is dishonest. She stole my pants and Pay Pal gave her a full refund. 

URL : XXXX : https : XXXX URL : PAYPAL : https : //www.paypal.com/myaccount/transactions/details/5FN76780V3091862E? from_legacy=true
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I opened a Best Buy credit card account in 2012. At the time, the account was serviced by XXXX XXXX. At some point, the servicer changed to CitiBank and it remains Citibank. Since a few months after the account was opened, unbeknownst to me, the account was charged a " debt protection fee '' each month. I attempted to resolve this issue by contacting Citibank. It is their opinion that I signed up for this " service '' at the time I opened my account but they can not provide any proof I enrolled in the " debt protection program '' and I would never sign up for such a predatory program. 

I never noticed my account was being charged this fee because I opted into e-statements only. The only way to see the fee is by downloading a hard copy of the statement. The fee does not appear on the simple online monthly account summary which shows all purchases, interest charges, etc. 

It is my opinion that the " debt protection program '' was added to my account without my consent and that XXXX XXXX/Citibank intentionally concealed the fees. I never signed up for the service and it is not something I would ever sign up for because frankly, the program does nothing to protect consumers but in fact serves only to maintain the account balance. If the account holder only pays the minimum balance each month, the balance will not decrease due to the fee.
Consumer complaint received 2019-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (MO)

Merchants Credit guide co claims I owe {$1300.00} I paid {$1300.00} to XXXX XXXX ( actual original amount owed ) on XX/XX/2019. Collection agency still claims I owe a balance as of XX/XX/2019. I confirmed with a phone call to XXXX XXXX and they confirm its paid to XXXX balance. Merchants credit guide co is still trying to collect on this account.
Consumer complaint received 2023-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WV)

Mortgage Servicer, Mr.Cooper, is engaged in dual tracking. Ive submitted a loan modification in XX/XX/XXXX, which they originally marked as complete. Then, they decided it was not, and then decided to require more documentation. The requested documents are award letters regarding unemployment benefits, and supplemental food assistance, SNAP, benefits. I sent the letters I received from both those agencies, 3 times. The documents from the agencies are the only available documents addressing those benefits. I recently sent over the award letters, with supporting documentation, bank statements on XXXX  I also learned, in a phone call to Mr. Cooper on XX/XX/XXXX, that they have begun the foreclosure process, as of XX/XX/XXXX. The loan modification is still open and pending, however. Mr , Cooper, call center representative, XXXX, admitted they Mr.Cooper is dual tracking, pursuing foreclosure with a pending loan modification. To my knowledge, dual tracking was prohibited as of XXXX XXXX XXXX 
Additionally, I believe the company is simply requiring more documentation to keep the modification open until the sale date is set. Also, on XX/XX/XXXXXXXX I spoke with a Mr Cooper Representative by phone, who stated an investor was requiring more documentation. This seems to suggest that Mr. Cooper had already offered my home for sale, during a loan modification process.
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (NY)

I'm XXXX XXXX, and I'm writing to request that these items be removed from my report. I am a victim of identity theft, and these charges were not included in in my credit report. The theft of my identity has been reported to the Federal Trade Commission.
Consumer complaint received 2023-05-11
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: CLGF Holdco 1, LLC (TX)

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Email XXXX XXXX To whom it may Concern You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearty states that I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agenc can not furnish an account without my written instructions.

15 U.S. C 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Have a police report for identity theft. Explained charges are not mine. Opened a dispute, and still say I owe. There are various credit inquiries for same.! Why would I keep applying for credit to same companies? Need to fix my credit. Please help me.0
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2016. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.