davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

A dispute was filled with Capital One Credit Cards regarding an item purchased that arrived heavily damaged. Capital One requested that I submit a second opinion letter from a merchant in the same field as the merchant that sent the damaged product. I provided this second opinion letter. Capital One 's dispute department, in error, marked the second opinion letter as a duplicate document and Failed to submit the case to XXXX arbitration. After I called them to follow up with the case, I was told that a mistake was made, but at this point there is nothing they can do, as the XXXX window closed. I believe that this is a violation of my fair credit reporting rights.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IN)

I get a phone call on my cell phone, almost every other day, from XXXX. My phone only rings once. I 've Googled the number and learned that they are a a debt collector. I have no outstanding debt. I have a credit score of XXXX. 
The XXXX call began XXXX XXXX, 2015. 
I want the calls stopped and any assistance you can provide would be very much appreciated. 
Sincerely, Frustrated
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Duplicated address of the same address. Experian has multiple address as the same address. 

Filing FTC on Experian for issues of wrong information on Credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX not my address or was on my lease. 
XXXX XXXX XXXX XXXX no unit number showing XXXX XXXX XXXX XXXX XXXX no apartment unit showing XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX no my address XXXX XXXX XXXX XXXX XXXX XXXX no my address never lived in no XXXX XXXX XXXX XXXX XXXX XXXX no unit showing XXXX XXXX XXXX XXXX no unit showing not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these duplicate address belong to me nor was in my name. Delete or provide from the address proof from lender/bank mort fin or lease threw apartment complex. nothing but duplicate address showing wrong information. 

I 'm also filing with the FTC on all these address that are the same over and over with wrong information and a bunch of made up address or information gather wrong or obtain wrong
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (LA)

Original debt was closed and processed by original creditor and then midland funding purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. Midland also hasnt tried to reach me before going to court and filling a lawsuit.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (GA)

I recently received my credit report through the mail on XXXX/XXXX/XXXX. Upon opening up my credit report I was able to view what was reporting on my credit report. That which appeared to be false information reporting an inaccurate address and an account that had been re-added and I was not notified within 5 days of doing so. I previously reached out to experian and Dept/Navient once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The account shows on XXXX XXXX XXXX that Dept/Navient was indeed removed and now it shows it has been placed back without any notification to me.
Consumer complaint received 2017-12-09
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. (LA)

These 8 inquiries on my Transuniom report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Transunion several times, issue still unresolved.
Consumer complaint received 2019-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX ; XXXX and Transunion are reporting incorrectly the XXXX   XXXX/XXXXMastercard partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX/XXXX  Mastercard onXX/XX/2019reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX  of  OHIO   dated XX/XX/2019XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit score.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (HI)

cfpb : recently moved to Hawaii and was told by XXXX that payment was past due, however when receiving bill from past due purchase, after paying for purchase, there was no indication where purchase was made?
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, my husband and I purchased an automobile at XXXX in XXXX XXXX. We authorized XXXX XXXX to pull credit. They mistakenly pulled the credit for XXXX XXXX twice through XXXX XXXX. My husband 's credit was locked and they were trying to pull a joint application inquiry, so it pulled my information and when my husband unlocked his credit report, they pulled my information again. I tried to correct this with XXXX and they said I would need to contact the credit bureau. The credit bureaus said I would need to file a complaint so they could remove it from my report. I did not authorize XXXX credit pulls. Both were on the same day. I was recently turned down for credit due to this duplicated pull. 

On XX/XX/XXXX, I only authorized XXXXXXXX XXXX to pull credit. XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and COAF were not authorized to pull my credit. The auto dealership, XXXXXXXX XXXX XXXX  XXXX somehow submitted the application, which was intended only for XXXXXXXX XXXX, to be sent to multiple credit companies. These companies did not have my known authorization to inquire about a loan. 

On XX/XX/XXXX, I visited a dealership to purchase a recreational vehicle. I authorized XXXX XXXX to pull credit. I did take a loan out through XXXX for the purchase. However, I never authorized the dealership to use multiple lenders. The dealership discussed the loan terms through XXXX prior to me authorizing the credit application with XXXX. An unauthorized credit pull was made by XXXX to and shows up through a XXXX Credit report twice during the day. I was told to contact the credit bureau to clear up the reporting matter. The credit bureau said I needed to file a complaint so they could document the matter and remove the duplicate inquiry from my report. 

These unauthorized credit inquiries recently caused a denial of credit through XXXX due to too many inquiries. My credit score is above XXXX and I have managed my credit for over 30 years with no derogatory issues. My debt to income is adequate for credit. These credit inquiries caused a financial loss of {$40.00} due to the promotional offer from XXXX that was declined for reasons stated above. XXXX was contacted and confirmed that the denial was a systemic decline due to the number of inquiries. Furthermore, the purchase that was to be made with the credit was for medical reasons and delayed the delivery of necessary accommodations for my father.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (WY)

I was looking into a " student loan forgiveness program '' and I came upon Equitable Acceptance. I spoke with this company on XX/XX/XXXX for over an hour as they explained to me that I would need to pay {$49.00} every month for approximately 3 years and after the three years of paying faithfully my student loan would be forgiven. I was super excited and agreed to this. I have been paying {$49.00} faithfully since with extra fees added on at times. In XX/XX/XXXX I paid {$55.00} ; XX/XX/XXXX I paid {$100.00} ; XX/XX/XXXX I paid {$50.00} and {$53.00}. I received a federal loan statements in XX/XX/XXXX and this is when I became confused ; therefore I did not pay Equitable Acceptance in XX/XX/XXXX and XX/XX/XXXX. I spoke to Equitable Acceptance who then explained to me that I paid them to find a student loan forgiveness company for me and there is nothing they can do about them not paying my student loan, but I would need to continue to pay Equitable Acceptance or they would send me to collection. This of course scared me as I am currently working on my credit and do not want anything sent to collection so I agreed to start paying them again in XX/XX/XXXX. I did ask for the name and phone number of the company they had found to pay my student loans off and they told me XXXX XXXX XXXX at XXXX and I called this number multiple times ; including today ( XX/XX/XXXX ) and left messages requesting a call back and I have yet to receive a call back and each time I have called I have never spoke with a live person. Today I called and spoke to the U.S. Department of Education and told them my situation and they were very helpful and understanding and they had informed me that plenty of people has been scammed with these other companies. I really need help on what I need to do because I don't want to keep paying money to a company that is not doing what they had told me they would do for me. 
Thank you
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP (TN)

I have a collection account reporting on my credit files ( XXXX, XXXX and XXXX ) named XXXX XXXX. The account is listed below : 1. XXXX XXXX ( Account Number : XXXX ) I am disputing this collections due to the fact that XXXX XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Complaint XXXX previously filed complaint I received 1 cash advance from 5th 3rd 6 months ago off my XXXX credit card. Filed complaint here and there resolve was to mail me a check for XXXX. I had to pay XXXX cash advance fee and I am being charged 25.9 percent interest monthly which averages XXXX per month and it has now been 6 months so 6 times XXXX plus I have other charges on this card and can only pay my minimum each month so these charges are going to continue to accumulate I need Fifth Third to prove to XXXX  that I only received 1 XXXX cash advance that day so all fees and interest get rrmoved and stopped for this advance I never received.
Consumer complaint received 2020-04-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

This letter dated XX/XX/XXXX from National Credit Adjusters was put on three credit reports with the date of last payment being marked N/A for XXXX for a debt that was charged off in XXXX. Not only is this a time barred debt in the state of Texas. This company is falsely re aging said debt with an inflation of over {$790.00}. This is affecting my credit with three major  credit reporting agencies and was created solely for this purpose and intent.
Consumer complaint received 2021-08-07
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. (AZ)

I have filed 6 disputes on 9 accounts with Equifax. Each time, they have updated the accounts with inaccurate information.

These accounts were from the U.S. Department of Education. The accounts were paid in full through consolidation on XX/XX/XXXX of 2018. They are still reported as Currently in Collections through Equifax. I have contacted both the U.S. Department of Education and Equifax on several occasions, with the last contact taking place on XXXX. They refuse to correct the issue. The Department of Education asserts they do not report on closed accounts. Equifax states that The Department of Education is reporting the accounts each month as " in collections. '' The Department of Education states this is not true. Equifax refuses to investigate or correct. They state they are investigating, and then update the account to show currently in collections and change the " as of '' date to whatever date they investigated. I am a federal employee and CAN NOT have an account showing as in collections. I am trying to purchase a home and this is also preventing me from doing so, as it reduces my credit score each time it is updated incorrectly.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/2021, I was denied a personal loan by my XXXX XXXX, XXXX XXXX XXXX XXXX. The primary reason for the denial was that my reported monthly student loan payment amount to the credit bureaus ( they use Equifax ) was incorrect. I double-checked and verified this information as well. I am on the income-based repayment plan. As such, my last income-based payment plan amount was changed to a XXXX dollar monthly payment plan. Prior this change, my income-based payment plan was {$280.00} a month. This is not the first time XXXX ( or the student loan industry for that matter ), has reported incorrect information on my credit report. Update my credit reports with all three bureaus within the next 10 days. I do not want to be forced to take legal action against XXXX for violations of the Fair Credit Reporting Act
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I had some late fees and interest on the card and I called XXXX XXXX, the issuer of the XXXX XXXX  XXXX store card. They have agreed to remove the late fee and told me I was only obligated to pay the interest of {$12.00} which I did right away. The call took place on XX/XX/XXXX and the credit card billing cycle ended on XX/XX/XXXX. Instead of removing the late fees right on that date, XXXX waited till XX/XX/XXXX to remove the fees which resulted in accruing another late fee of {$26.00}!
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP (OK)

Around XX/XX/2018 we received a letter from Linebarger regarding a delinquent toll in the state of Colorado. We live in Oklahoma.

The letter makes several false and deceptive claims.

1. By not paying they will put a hold on your vehicle registration.

This claim is false and only applies to Colorado citizens. Additionally, per toll authority, this action only applies if you are delinquent and continue toll avoidance.

2. The firm altered the document to state fees of {$2500.00} for not paying. The actual fee is {$25.00} per toll authority.

This is another scare tactic that is uncalled for, unnecessary, deceptive, false, and abusive.

3. The firm had our license plate number from a sold vehicle with someone elses mailing address and name attached to the bill.

When calling to find out information on the toll bill the firm refused to speak to anyone but the person on the toll bill who was using our vehicle tag registered in Georgia.

So the company was attempting to collect a debt from us by billing a random person in Georgia with a different name racking up fees for their company.

Unjust enrichment.

The firm had no interest of clearing up the matter. In fact, the employee said the only thing he could do was take full payment.

However, he was required to state we could dispute the debt by mail.

Even though I made it clear the name or address werent ours he continued to collect a debt illegally.

4. I called the toll authority and they instantly cleared up the issue. Why this law firm chose to do business this way is worth investigating.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounT. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX - XX/XX/2023
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

on XX/XX/2022 i noticed a {$69.00} charge on my XXXX bank account from Spirit Airlines XXXX card, i never applied for this card, nor have i ever received, or activated a Spirit XXXX  card. i call the number listed on XXXX to cancel the card, XXXX, this number goes to Bank of America, when i called it ask for card number or SSN to access account. I do not have the card number since i never received a card, i tried using my SSN but it was not found in the system. this is some shady business practices, how could i be charged if Spirit/BOA have no record of my SSN? and i have NEVER received a card. SCAM. They are taking advantage on consumers.
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I went to Bank of America. XXXX XXXX XXXX. XXXX, PA XXXX around XXXX today XX/XX/2018 and had a check to cash from my insurance. I waited for the next teller and when I got to the counter I explained that I was not a customer but the check that I needed to cash was from an account holder with Bank of America. I was asked why I didnt take it to my bank and I replied that I have been out of work for over a month now due to XXXX XXXX and had XXXX. My bills got behind and I am trying to keep lights on and not have stress worrying about my car being reposessed and I can't wait 3-5 days for it to clear at my bank. I went on website and saw that they advertise that they will cash a non account persons check drawn from the Bank of America for no more than {$5000.00} for a fee of {$8.00}. So I figured it was within tights to cash it there and get bills taken care of and relieve some stress from myself. I was then told that they did not have {$5000.00} cash on hand to cash it and not for someone without an account with them. I said if I open an account how soon can I pay bills from it. I was told 3-5 days and that she new this to be right because she was the Bank Mamager. I was so upset and embarrassed at this point that I left the building and came home. When I got home all hysterical my Husband said to calm down and he had me call FTC at XXXX. I spoke with a lady named XXXX that gave me instructions to file on line. She offered to do it over phone as well. I hung up the phone and called XXXX to get the lady managers named on duty today and was told her name is XXXX XXXX. So now I have the name of the teller that I talked to since she addressed herself as the Manager. I tried to call over the weekend to verify the information was correct. XXXX and could not talk to a live person unless I had an account number. I do not feel I was treated fairly and they advertise that they will cash a check for Thats amount for a fee.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The company Portfolio Recovery sent a letter to my home stating they would accept a settlement offer of {$380.00} and it needed to be received before the XXXX of XXXX I believe. I sent a payment of XXXX on the XXXX of XX/XX/2021 from my wife 's XXXX XXXX bill payer service. The check cleared on the XXXX of XX/XX/2021. I contacted the debt collector to get information as to why they haven't updated the credit report and cleared the balance. They stated they didn't receive a payment and it was mailed to the exact address on file. The acct number was on the check XXXX. The address is XXXX XXXX XXXX XXXX VA XXXX.