davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
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 (VA)

XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit which isnt authorized and fraud. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX, and the person couldnt find me.
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Within the past few months, I have sent several separate letters to Portfolio Recovery Associates asking them to validate two collections they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of these accounts supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor. Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested. I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to. Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit. I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that. The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it. Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit  reporting agencies.
Consumer complaint received 2023-01-26
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: HUNTINGTON NATIONAL BANK, THE (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2022-09-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX I was approved for an auto loan from Capital One Auto Finance for XXXX  XXXX XXXX account number # XXXX original amount was about XXXX give or take and the end amount is XXXX. The account ended up going into collections and resulted in a charged off status. I've disputed the charged off with XXXX and it was removed, XXXX initially removed it and then placed it back on my credit report. And I've contacted XXXX about the inaccuracies through letters and have not received any letters back except the returned receipt which I sent a certified mail for.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

The original creditor XXXX XXXX XXXX  ( XXXX XXXX ) Account no. XXXX charged the original debt off and without my consent ( written or oral ) sold to Midland Credit Management. The law states : Consent is Required A contract can not be valid or legally binding unless consent is given. Consent, essentially, occurs when two parties mutually agree to form a contract with each other. Consent can not be given under pressure. If one or both parties provided their consent under duress, the contract will not be legal. 

Therefore, this amount that Midland Credit Management is trying to collect on is not mine. They made an account unbeknownst to me. Account no. XXXX. I have written to this company four ( 4 ) times to ask them for the original contract I signed and authorized with Midland Credit Management. ( Please see attached ). 

Also, they have been threatening to sue and that's against what Congress set as laws to protect the consumer. ( Please find attached ). 
XXXX False, deceptive, or misleading representations or means
Consumer complaint received 2022-09-01
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. (FL)

The credit inquiries from XXXX XXXX on XX/XX/2021 and XX/XX/2021 were supposed to be soft inquiries. I did not apply for a mortgage, Nor do I have a mortgage on my credit report. 

The credit inquiry from XXXX XXXX was supposed to be a soft inquiry. I do not have a credit account with XXXX nor XXXX on my credit report.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 or purpose.
Consumer complaint received 2023-01-26
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. (PA)

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and Experian are in direct violation of the FCRA and Gamm Leach Bliliey Act of 1999.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: August Real Estate Investments, LLC (TX)

I was never provided via mail or email options for my escrow increase. AT ALL. I want the option to pay the one-time lump sum. By them uploading the statement to my previous complaint with CFPB does not constitute them providing it to me. They claim on that statement there is a {$620.00} shortage to be collected over 12 months that would be about {$54.00} increase ... yet my mortgage increased over {$300.00}! Overnight with no letter no explanation as to where this money is going. I DEMAND an option to pay my one-time lump sum. My mortgage has increased over {$300.00} with NO NOTIFICATIONS or NOTICES. 

Secondly, again my additional payments are not being applied to my principal balance the DAY they are recieved.
Consumer complaint received 2023-01-26
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. (LA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

On XX/XX/XXXX I called Edfinancial to request a refund of payments I made on my account since XXXX of XXXX [ XXXX ]. I was immediately told it would take 5 to 7 months to get done and so what did I want to do? I asked why it would take that long. They had no information to offer and seemed to want me to say that I didnt want to go through the process. I said that I did. I was asked a few questions. Then I asked about confirmation that the request had been submitted and was told there was absolutely no way they could give that to me. I asked that at least an email be sent to me confirming that this conversation actually took place. The customer service agent said there was no way they could do that. I asked that they please double check. I was put on hold and then eventually told that there was nothing they could send me. At all. So I was supposed to just trust that 5 to 7 months from now a deposit would be made into my checking account and what if the request were to be lost? 

I then mentioned that I needed to change my last name on my account [ marriage ] and was told that they could send me an email with instructions on how to do that. Why can an email easily be sent about how to change your name but its impossible to send an email confirmation that a refund request has been made? Their current practices seem unreasonable, potentially illegal, and intentionally designed to dissuade people from requesting refunds.
Consumer complaint received 2022-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC (TN)

Well I took a small loan before covid, then when covid hit I had focus on primary stuff. Now I'm trying pay off debt and I'm seeing cash1 spike the payoff balance for almost XXXX when I only took out XXXX and this debt is two years old
Consumer complaint received 2022-03-05
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. (TX)

Account Number : XXXX XXXX XXXX XXXX is reporting a 30 day late on my Experian credit report for the month of XX/XX/2021. I was not 30 days late XX/XX/2021. 

Please correct.
Consumer complaint received 2019-01-29
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. (OH)

This is third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P. (MA)

These people have been harassing me multiple times daily. I have 6 calls from them on XX/XX/2021 all before XXXX. They call me late at night. I repeatedly spoken with them and told them to stop contacting me because I am going through a legal process with the creditor they're claiming this debt is owed to. I have an upcoming court hearing this month for this matter. She would not identify who she was and was asking me to verify my information before she would tell me where she was calling from. Very rude!
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus XXXX, Equifax and XXXX have yet to remove these files from My credit report and update my credit report promptly. IT has been 3 months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01
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: Pacific Rim Alliance Corporation (WA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states that I have the rights for privacy 15 USC 1681 section 604 A section 2.

It also states a consumer reporting agency can not furnished a account without my written instructions 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 purposes
Consumer complaint received 2022-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (SC)

In XX/XX/XXXX I set up automatic payments for my Flagstar XXXX from my bank account based on the first statement amount of {$2300.00}. 

In XX/XX/XXXX I received a delinquent notice from Flagstar. After researching the issue I determined the first statement was not based on a full month billing cycle. 

On XX/XX/XXXX I contacted Flagstar to bring my account current to determine the correct monthly payment. In my conversation with the agent, we agreed a $ XXXX payment was the right payment amount and confirmed the account was in good standing going forward. I adjusted my automatic payments to $ XXXX. 

Around XXXX XXXX, I received my XXXX statement with late fees. I immediately contacted Flagstar and the agent informed me they were applying my funds incorrectly. 

On XX/XX/XXXX, I contacted Flagstar and was informed I needed to pay {$5100.00} to bring the account current. This didn't align with the previous agent 's feedback but I felt pressure to make the payment and work through the details after as I didn't want additional reports on my credit record. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization explaining the confusion and miscommunication. Their response was to provide more details. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization explaining the confusion and miscommunication and reiterating there was never an issue with making the payment, just what the correct amounts were to make the account current. i encouraged them to listen to the recorded conversations with their agents to prove the accuracy of my intentions and statements. Their response was that their records were correct and they would not be making any changes to my credit report. 

On XX/XX/XXXX I sent a letter ( attached ) to Flagstar 's credit reporting organization asking for a goodwill adjustment. I explained all of my other creditors including two other loans with Flagstar have excellent payment records. 

On XX/XX/XXXX I received a letter declining my goodwill adjustment You will see through my transaction history ( attached ) that there was never an issue with being able to make the actual payments. All payments were made on time, the issue was understanding what the correct amount was. I put 100 % good faith effort into resolving the issue in a timely fashion and do not believe the negative reports on my credit report represent my creditworthiness and commitment to repaying debts.
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

I have been making regular monthly payments, as negotiated for with Portfolio Recovery Associates, on an account that went into collections. They have continually ( monthly for years ) been reporting me as a failed payment on my credit report/history despite the regular payments. I previously filed a dispute on my report and nothing has changed.
Consumer complaint received 2023-01-26
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 (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : CAPITAL ONE AUTO FIN Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2022-09-01
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. (FL)

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-09-01
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. (ID)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-01
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. (CA)

I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus Experian, XXXX and XXXX have yet to remove these files from My credit report and update my credit report promptly. IT has been 3 months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


XXXX XXXX Closed XXXX XXXXXXXX XXXX Closed XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX XXXX/ XXXX : XXXX Closed XXXX XXXXXXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Closed XXXX XXXX XXXX XXXX / XXXX CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX / XXXX CLOSED XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX/ XXXX XXXX CLOSED XXXX / XXXX XXXX XXXX
Consumer complaint received 2024-02-06
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. (MD)

In accordance with the Fair Credit Reporting act 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 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 instructions
Consumer complaint received 2022-08-29
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. (MO)

This is XXXX XXXX XXXX submitting yet another CFPB Complaint today requesting the removal of the Fraudulent items from my Credit Report. Again, I was a victim of identity theft and this is my fourth request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( XXXX U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This complaint is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX