davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Debt of less than {$800.00} from Capital One was from XXXX or earlier and should have been written off AND removed from my credit reporf ; however, debt collector not only is attempt to collect, they bypassed the statute of limitations and have re-entered the same debt a second time on my credit report, but with a new date of XX/XX/XXXX. Today is XX/XX/XXXX and I have received 6 pages of collection documentation. Statute of limitations in Arkansas is 5 years ... so this is now past the statute for the second ( illegal ) posting to my credit report ... right?
Consumer complaint received 2021-06-01
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)

XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a zero balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance
Consumer complaint received 2021-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Freedom mortgage has continually paid my casualty insurance premium late, or not at all. I have spent 3 years fighting with freedom mortgage on this issue. 3 times this year theu told me they overnighted payment to my casualty insurance provider and have not done so. This year I had to pay my casualty premium for the year out of pocket in order to keep flood coverage.
Consumer complaint received 2021-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (FL)

I have more than a year making my monthly payment on time but I cant see any statement that showed my remaining balance after I did the payment. 
Sometimes I sent {$500.00} in order to lower my debt and finish early but when I see that they apply this amount to the next payment instead to my principal balance as I tried to do it. I called them several time about this issue and they said that I have to made the payment on my due date otherwise they apply it to the next month payment, also I make the payment through my bank payment system, I scheduled it 10 days before the due day and they told me several time that the payment didnt arrived on time, I made the payment through their website because they said to do it like that and the next day my bank payment went through, in that way they get duplicate payment but they do not applie it to my balance. I need to see my monthly payment statement where I can see the remaining amount balance after they apply it.
Consumer complaint received 2021-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (CA)

Under laws of commerce an unrebutted affidavit stands as truth. I'm writing this complaint due to the fact that I haven't heard back from GM FINANCIAL nor have I seen this alleged debt removed from my credit reports. In the attached files you can find an affidavit of truth with exhibits, a cease and desist letter and a green return receipt showing that GM FINANCIAL has received all of the paperwork I have provided today.
Consumer complaint received 2021-05-21
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. (CO)

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. Also, Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2023-02-23
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. (TN)

I had an account with Affirm which I did let go past due, but I paid it off in full not long after. XXXX has reported and is still reporting the account as open & late, even though it has been paid in full and should be closed. I have disputed this report & the status was not changed.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (VT)

Harley Davidson Financial Services reported my account delinquent which they admitted was an error. After many discussions with the account representative XXXX, she worked with her supervisor to issue a correction to credit bureaus. At present one credit bureau is still reflecting two months past due which were corrected with the other bureaus. I had placed calls letting them know this starting back in XX/XX/2021 ; and, most recently in XX/XX/2021asking for a call back. I informed XXXX on a voicemail ( I can no longer reach her ) that I would be filing a complaint with CFPB on XX/XX/21. I tried her again today, XX/XX/2021, but could not successfully reach her.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been sending me collection notices in the about ( XXXX $ ) The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Consumer complaint received 2021-06-01
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: ENCORE CAPITAL GROUP INC. (PA)

Victim of XXXX  XXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I have a Coinbase and Coinbase XXXX account. I bought a new phone. Evidently, a new phone is not recognized by the site. I have been logged out of my account for 4 days now. I have tried to contact the company, but they don't have any live customer support. I have sent multiple emails. The response is tepid at best. I get form notes from some customer service, but none that solve my problem. It would seem you should not be able to operate a company that is dealing w so much $ without having the ability to answer questions and give customers access to their accounts
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX, is fact in violation of 15 usc 1692b ( 5 ), 15 usc 1692b ( 2 ), 15 usc 1692d ( 1 ), and 15 usc 1681. 
On XX/XX/2021 I received a notice for an alleged debt in the amount of {$550.00} in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due corse for any and all derivates thereof.

Information was requested from my consumer reports on XX/XX/2021 and XXXX XXXX without my knowledge or consent.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

Fed Loan Servicing has not counted my PSLF qualified payments correctly. I originally had one subsidized loan and one unsubsidized loan. FedLoan servicing split my unsubsidized loans into two " new '' unsubsidized loans without my permission or consent and this caused the payment count to be off. Both the old loans and therefore all three of the current loans should have the same number of qualified payments counted. I have been trying to get PSLF directly and through the ombudsman to get the payment counts fixed for the last 18 months but nothing has changed. When I call I am told that they have no idea when the recount will be completed.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

There are 21 months of payments that were not counted for the PSLF program after Fed Loans took over the loans from my servicer. I have been told that it would be updated, and each time I call I am told to call back for later updates, I.e. wait a few more months, that my analyst no longer works there, etc. My last mail notification states the qualifying payments has been modified ; however, it has not changed. I have emailed, called and been given misinformation with continued no resolution.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$680.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I ask that the items be deleted to correct my credit report. Please delete the items as soon as possible. 

REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Fraudulent/Negative Accounts : Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$460.00} Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$800.00} Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} **UNAUTHORIZED INQUIRIES CONTINUED TO NEXT PAGE ** Unauthorized Inquiries : Inquiry name XXXX XXXX XXXX XXXX XXXXnquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

I am a victim of identity thief, my information was leaked on equifax breach and the dark web, since then i have multiple inquiries for auto loans ( over 20 ) and two strange debts that i have no connection too 1 XXXX XXXX  2 XXXX
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP (NY)

On XX/XX/2018 I applied for a checking account with XXXX XXXX XXXX   online. On XX/XX/XXXX, the account was opened. I applied to open up an online account, but it wasn't opened for a week. I called on XX/XX/XXXX when I was told I needed to verify my identity with a letter. I faxed over the letter on XX/XX/XXXX and was told my account would be opened as soon as they received the letter. It was verified that the fax was received by Valley. However, on XX/XX/XXXX and XXXX, the bank told me that my account would be opened the next day. Without an online account, you can't see recent transactions or transfer money or anything. On XX/XX/XXXX, it still wasn't opened. I called and they said it was because my signature didn't EXACTLY match the signature on my license. However, it did. I believe that Valley is preventing me from opening my online account so they don't have to credit me the {$150.00} that I would have gotten if my online account was opened within the first month of opening the account.
Consumer complaint received 2023-06-12
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. (NY)

I am writing to dispute an unauthorized credit inquiry on my credit report. I visited a car dealership that was supposed to run only XXXX account for me, but instead, they ran my credit for multiple accounts and resulted in multiple hard inquiries on my credit report. I did not authorize this inquiry, and I was not informed that my credit would be checked for multiple accounts. 
I am requesting that this unauthorized inquiry be removed from my credit report immediately.Please investigate this matter and remove the inquiry from my credit report as soon as possible. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2022-11-16
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. (DC)

XXXX XXXX from the Customer Authentication Department within XXXX XXXX XXXX  " If you believe you were a victim of identity theft that resulted in the inquiry and there is additional documentation, such as a copy of a police report, or a fraud or identity theft affidavit, please contact us at XXXX ( we accept relay calls ) ... '' When the number was called, options beyond faxing or printing ( not personally available to the consumer ) were not available. As such, the identity theft documentation is attached. 

The context is as follows : There is a new inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by XXXX XXXX ( on XX/XX/2022 ) is attached for your reference.
Consumer complaint received 2021-06-01
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. (TX)

My credit report is not updated regularly. I called and asked why my report is not updated regularly and I was told I need to dispute every account to change the balances. I explained the balances are correct with the other credit reporting agencies and pointed out the balance need to be updated. The representative XXXX XXXX XXXX Code XXXX XXXX stated I must dispute the entire report item by item. When we began the disputes, Equifax has more current balances than are reflected in my credit report. I again stated this means my credit reports are not current. The man put me on hold till XXXX, pretended he was helping but sent me to an exit survey of his performance. My accounts are not updated and disputes are not investigated with this company and they continue to damage my credit score.My credit report has not been updated for atleast two months.
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (MI)

XXXX charge was paid on XX/XX/2018 to Avanteusa in the amount of {$410.00}. This was a settlement amount. Paid by XXXX XXXX I have filed disputes with the credit bureaus who keep saying I owe {$500.00}. Avante will not answer and XXXX will do nothing. I have submitted both the settlement offer letter and the payment ledger. Since submitting a dispute my credit score for XXXX dropped 84 points. Both XXXX and XXXX went back the last 4 years and added derogatory marks after I filed the dispute. Please, please help me with this.
Consumer complaint received 2021-10-22
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. (AZ)

Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were fraudulent.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (SC)

I received a call on XX/XX/2020 from XXXX XXXX on behalf of Sunrise Credit Services Inc. She was requesting that I pay Sunrise Credit Services Inc {$130.00} attempting to collect a debt on behalf of XXXX XXXX. I currently have services with XXXX XXXX. I'm not even sure of how she got my old address. I corrected her with my mailing address and I also requested Sunrise Credit Services address and she gave me the PO Box . Afterwards I informed her that Sunrise Credit Services does not have my permission to contact me on my private line and I never agreed to do business with them. She informed me that XXXX had forwarded my information to her. I asked her if she understood what I said she said yes then I asked her to have a nice day. 
I called XXXX immediately to understand the confusion and I was informed that there were no issues in my account and they had no idea why a debt collector was calling me.