davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Approximately in XX/XX/XXXX, I received a subpoena by a law enforcement officer of the state of IL for a debt I was not aware of nor is it mine. These are fraudulent claims or identity theft. Upon checking my credit report as recommended by my friend and discussing the matter with him he suggested I take action to call CaptialOne to inform them of this fraud. They gave me a telephone number to their attorney instead of their fraud department, this was today XX/XX/XXXX. However, I never personally applied for credit with CapitalOne and was successful in obtaining a line of credit with them.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: STERLING JEWELERS, INC. (IA)

On XX/XX/XXXX, I went into Jared 's Galleria of Jewelry, and was interested in purchasing something. During this visit, the salesperson wanted to run a credit check to make sure I would be eligible for financing. They told me that they would run a soft pull of my credit just to see if I qualified for financing. At no point did they mention a line of store credit, or tell me that I would receive a card. 

A couple weeks later, I receive a card from Jared in the mail, that I never activated. I then got a notification from my Credit company that another credit account was opened for me with a XXXX balance. I called the Company and they claimed I should have been told about line of credit, but I was not. They also falso claimed that if I don't use the credit card within 60 days or so, it would automatically closed. Which I confirmed with the bank that issues the cards, that it wouldn't be going anywhere unless I cancelled it. I got a hold of the card issuer and they cancelled the card for me immediately, noting that it was an unsolicited line of credit. I just want to make it known this company is pushing this line of credit on their customers.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to know when exactly first Delinquency of account occurred? 
Is the account already sold to third party collection? can I settle account directly with XXXX XXXX?
Consumer complaint received 2019-02-07
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 a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my Experian credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX   with no successful resolution. Experian only reporting me late on my account which stopped recording payment information since XX/XX/2013, that is 6 years ago! There was definitely an error on their part, as I was never 90 days late for four times, and 120 days late for five times.
Consumer complaint received 2023-01-27
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. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX n accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

1

5 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 written instructions
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

THE FOLLOWING INQUIRIES ARE UNAUTHORIZED AND ARE ILLEGALLY ON MY REPORT : XXXX XXXX XXXX XXXX XXXX C/O  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 2019-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (KS)

In late XXXX or early XXXX of 2018 I applied for an unsecured personal loan through www.bestegg.com. I requested and was approved for {$15000.00} and my originator is set at XXXX XXXX XXXX. I was sent an email that had the fees and was surprised by the cost to do the loan. I live in the state of Kansas and it is my understanding the origination fee for Kansas residents is 2 % up to {$100.00}. I would like the fees associated with my loan to be reviewed by the CFPB to see if there was any wrong doing in the fees charged for a Kansas resident. I would also like a copy of my TIL and Promissory Note for my records. These documents were never sent to me and are not available through the customer online portal website of XXXX 

Thank you.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Consumer complaint received 2019-09-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Receivables Solutions (TX)

This account has been deleted form my XXXX credit account and XXXX Credit Account. Now its on my XXXX Credit account again. I Contacted XXXX and I was told once deleted it could not be put back on my credit report I have disputed it, and it comes back with ( remains the same ) no change on explanation. 


I want this account to be removed and deleted from getting put back on my credit report.
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

I received a collection on my credit report from Enhanced Recovery Company. They showed an amount of {$640.00} with original creditor XXXX. I closed this account with a {$0.00} balance in XXXX. The date they put on my collection was XX/XX/XXXX. It made my credit score drop 25 points. I called them and asked what this is. They told me that they worked for XXXX and couldnt validate the charges and I would have to call XXXX which I did. I filed a FCC complaint against XXXX only to find out they sold my account and could no longer research or make changes. I asked ERC why they didnt send me anything by mail so I had an opportunity to dispute. They said they didnt have to. They said they attempted to call me but I never received any calls.
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C. (ID)

A company called XXXX XXXX XXXX is reporting on my credit reports that a 5 year old medical bill is over {$800.00} and that I paid over {$300.00} on this bill that I never did the credit reporting agency 's investigated it once and removed it. XXXX turned around put it back on my credit reports 2 years later with false information I have included the original bill it was for {$310.00} with a start day of XX/XX/2014 and a final appointment on XX/XX/2014 this bill is pass the statue of limitations in Idaho state. XXXX XXXX phone # is XXXX
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been attempting to secure financing on vehicle and the financing company uses Equifax. There is a fraud alert on my account due to the Equifax breach years ago. On the first credit inquiry the financing company told me the phone number is incorrect and I contact Equifax XX/XX/XXXX and was told to fax in to forms of Id and pertinent information on my phone numbers. I did that the 2nd week of XXXX. The financing company attempted another credit inquiry and got the same results invalid phone number a week latter. I contacted Equifax again and was told they could not read the driver license and to mail in a copy. I did that the same day. Again the financing company recieved an invalid phone a week later. I contacted Equifax again on XX/XX/XXXX. I was in XXXX 5 streets from their corporate headquarters and volunteer to present my driver 's in person. They told me I had to mail in my request. So I went to the Post Office in thier same zip code one block from their office and mailed the second letter on XX/XX/XXXX. The finance company continue to receive the same invalid phone a week later. I again contacted Equifax on XX/XX/XXXX and again was told the only recourse I have is to mail in my request. I again went the same Post Office and mailed my third request in to Equifax. This financing based based on some incentives from the car manufacturer, which I'm now going to lose due to the inability of Equifax to process one of my 3 attempts to supply my driver 's licence by mail. I would like a review to be completed on their inability to process mail request and reimbursement of the funds I have lost.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (NY)

In XXXX I received an auto loan to purchase a XXXX XXXX XXXX with XXXX XXXX. The car was repossessed in XXXX. In XXXX I had hired a lawyer after the collection agency had attempted to pursue judgement. A court date was scheduled for XX/XX/XXXX and the plantif XXXX had dismissed the case. I do have a notice of dismissal from New York State.  Since obtaining the other of dismissal I have tried to dispute it myself multiple times. I have disputed the charge with credit reporting systems and my balance actually increased. My balance is now {$10000.00}. I tried to contact XXXX XXXX legal department and I have gotten nowhere.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have WRITTEN EXPERIAN on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.
Consumer complaint received 2018-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018  Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Finance, personal XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX   XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX  XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX   Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. Capital One XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (WY)

XX/XX/2019 Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is Victorias Secret Angel credit card account ending in XXXX, as reported by Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX. 
This charger off, account record is inaccurate, I am requesting that the account be deleted. And no longer reporting. 
Please investigate this matter and correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-09-20
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: Credit Plus Inc (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. CREDIT PLUS XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX 2. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) XXXX XXXX
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have WRITTEN Equifax on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.
Consumer complaint received 2019-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I logged in to my Navient account after receiving a new payment coupon book this week of XX/XX/2019. Within my online account I saw that Navient had applied a forbearance to my account that I did not submit an application for, and it was a " disaster '' forbearance. I have not experienced a disaster. Navient said they would provide a response within 2 business days, but they have not responded. Navient also applied my XXXX payment to " capitalized interest '' instead of the monthly payment due for XX/XX/2019. In addition, within the new coupon book my payments were lowered but there is no explanation for why. Based on past difficulties with this company I am afraid to pay the lower amount in case it is another error and then they will say my " full '' payments were late.
Consumer complaint received 2019-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UHG, LLC (WI)

My mother received a voicemail on XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX ( based in New York ). In the message was my information and a mention of a civil lawsuit, with charges of Malicious Intent to Defraud a Financial Institution, Theft, among other things surrounding a debt from XXXX. My mother brought this call to my attention. We both assumed it was a scam, but I wanted to follow up anyway, just in case. I had a plan to get enough information from them to verify that it was a scam and be done with it. 

On XX/XX/XXXX I called XXXX XXXX and he expressed concern about this debt, asking for my side of the story. He said that although my original loan was {$800.00}, interest and other charges brought my account up to $ XXXX.He mentioned that I would be being served if I did not pay a settlement of {$1800.00} today. Somehow he had a TON of details about this particular account of mine ( exact amounts, dates, my employer at the time of the account, etc ), enough to make me feel as though this attempt at taking my money was not a scam. I began to get upset and mentioned that I did not have that amount, but that I could possibly call a relative to help me. He asked for their name and phone number ( in case he needed to verify their information when they call ) and told me to call them. The call ended. 

While I was beginning to doubt my certainty that this was a scam, there were a ton of red flags still. So, now that I knew what account and company I was dealing with, I checked my credit monitoring service and then the company website itself ( XXXX ). I couldn't remember my login information with them, so I spoke with someone via live chat and explained that I wanted to make sure this debt collector was legitimate. The representative was extremely helpful and transparent and explained that they would never make threats of court or anything like that, and that this person was trying to scare me out of my money ( and way more than what I even owed ). They told me my loan had been sold off and gave me information for the actual company who now had my account. I was so thankful and glad I checked.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc. (MI)

In XX/XX/XXXX we filed chapter XXXX bankruptcy. We made 36 payments and completed those this spring. Discharge was XX/XX/XXXX. Nationstar/Mr Cooper now has reported late mortgage payments every month from XX/XX/XXXX thru XX/XX/XXXX. I paid XXXX a monthto a trustee who dispersed it. I dont think they can legally report late payments during that bankruptcy time, can they? The disbursement of those was totally out of my control. I am trying to buy a house and the loan was all set to go but the credit report cant show late payments during that timeframe to get financing. The bankruptcy attorney says she can not do anything to fix it. My report in XXXX did not show those but they pulled an updated one this week and those showed up. Can you help?
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (MN)

I just recieved this letter from XXXX XXXX XXXX which is talking about an account with XXXX, XXXX now with Cavalry SPV I , LLC. I already informed XXXX of this account, that it was as a result of ID Theft and they stated to contact the collection agency it's " sold '' to and I have been unable to reach anyone there.
Consumer complaint received 2019-09-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I filed a dispute with all 3 credit bureaus. The incorrect information was not changed on my credit report. I emailed PRA on XX/XX/2019 letting them know that the account needed to be removed and informing them of the correct information. Still after this the account came back to the credit bureau as correct. PRA is reportint two accounts on my credit incorrectly. One for {$550.00} and the other for {$1300.00}. They are reporting seriously past due as a payment status and they are not an OC. They are a debt collector. Collectors can only report collection accounts. They are reporting a past due amount and they are a debt collector. They are reporting terms of 1 month. I have never agreed to terms with this company as they are a debt collector, no such contract exists and debt collectors can't report open terms. They are also reporting failed payment history. There is no payment history as they are a debt collector not an OC. These two accounts need to be removed from all 3 of my credit reports as I have notified the companies of their violations and they have refused to fix them. They are also reporting that they are correct. They are updating failed payments monthly which is also a violation as they are a debt collector and are causing further damage to my credit. I mailed documentation to them XX/XX/2019 showing the inaccuracies with a letter asking them one last time to correct these immidiately.