davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was 30 days late on a {$5.00} kohls credit bill. I receive no paper bills for this credit card or email bills. I was unaware I owed a balance. They reported me delinquent and I had excellent credit. I have no history of late payments. kohls said they are unable to fix this problem and XXXX XXXX considered that 30 day late " delinquent '' I never made it to 60 days past and payed the bill in full. I would never purposely be late on a payment and this destroyed my credit score dropping it 50 points. Help!
Consumer complaint received 2023-01-22
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date open XX/XX/XXXX XXXX XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Starmark Financial LLC (MI)

Plaintiff, XXXX XXXX, has not received confirmation nor certified testimony that the defendant ( s ) complied with the FDCPA, XXXX, and/or XXXX and all its mandated rules when it comes to debt collection. Therefore, Defendant ( XXXX ), Starmark Financial LLC and XXXX XXXX XXXX, is to present Plaintiff a certificate in testimony that the alleged debt presented in the attachment labeled Exhibit A is compliant and not subterfuge. ******copied from affidavit attached to this complaint******
Consumer complaint received 2024-02-13
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. (MD)

The Following inquiries are unauthorized and fraudulent and i need them removed immediately. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IN)

There has been a collection placed on my account with XXXX. It has shown to me from multiple credit access accounts several different amounts, dates it was opened on etc. 

This amount has not been validated through a judgment nor a wet signature from me. 
I spoke with XXXX about these issues ( after promptly sending letters and disputing on multiple occasions ), we spoke on XX/XX/2023 and they confirmed that they are reporting inaccurate amounts for XXXX and XXXX and have put this in dispute via telephone. 

This will be my complaint amongst multiple.
Consumer complaint received 2022-07-18
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. (TN)

I have no knowledge of these inquires and in accordance with the Fair Credit Reporting act XXXX Account # 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 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-05
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: LD Holdings Group, LLC (MD)

On XX/XX/2022, XXXX XXXX did a hard credit pull on my credit unknowingly. I did not know that it would impact my credit negatively when I called her. I had never gotten a loan before and still to this day, never have. I did not provide consent for her to run my credit. I sent her an email about this on XX/XX/2022 after getting off of phone call with her a few days prior. She only said through phone call that it was a loan and therefore credit is ran. She declined to waive it or not report it on my credit report. I had heard about XXXX through a friend who recently bought a townhouse with his family member in the XXXX area. I even spoke to XXXX and tried to dispute this and they said that I should reach out to CFPB to file a complaint and they can use that to get this off of my credit report because I should have been told that XXXX XXXX would have to do a hard pull for this. 

I have a XXXX XXXX XXXX which I received scholarships for, so I have never had to even take out student loans either. I have never had to take out a car loan as well. Therefore, more information should have been given by XXXX to me in regards to any credit being pulled as I was not aware. 

It was not until I tried to apply for a XXXX XXXX credit card that I was declined for it, and I looked into my credit report after that to see what could have caused me to be declined, and I noticed the loan depot or ( XXXX XXXX ) on my credit report. I did not know anything about this until then. 

I was not for sure going to become a homeowner and did not know anything about home loans when all of this happened. This is definitely a learning experience for me and I will try to be very careful in the future if I do choose to become a homeowner someday. 

I sent XXXX XXXX about this through an email like I said, on XX/XX/XXXX of last year, but she did not respond. I did not use the loan whatsoever so I don't see the issue in just taking this inquiry off of my credit report. I am going to keep renting until I have a stable job and income. Right now, I am not even working as I am a XXXX XXXX XXXX trying to earn my XXXX XXXX in XXXX XXXX and also have an XXXX XXXX
Consumer complaint received 2022-07-18
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears on Credit Reporting Agency without my knowledge or permission. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-24
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. (NY)

been a victim of fraud have numerous inquires on my report that was dismissed and then added back years later contacted Transunion and XXXX they asking for another police report ...
Consumer complaint received 2024-02-13
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. (TN)

I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.
Consumer complaint received 2022-08-08
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. (GA)

I have recently reviewed my credit report and noticed some unauthorized accounts and inquiries. When I called, I was told I had 3 files and they needed to be merged. I did not consent to that, XXXX the rep did it anyway. Once she did that I started receiving updates of hard inquiries that Ive never seen before and accounts. Pursuant to 15 usc 1681a ( 4 ), they did not exercise grave responsibility on my behalf. They were unfair. I never consented or instructed them to furnish this report in the first place. I am demanding that these items be removed asap. They gave violated me under the FDCPA
Consumer complaint received 2022-07-17
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 — Problem with personal statement of dispute
Company: FactorTrust, Inc. (LA)

I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of XXXX I contacted them and they were no help I go get a loan it was because of XXXX I didn't even know I had anything to do with XXXX before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me
Consumer complaint received 2022-07-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of XXXX  I contacted them and they were no help I go get a loan it was because of XXXX I didn't even know I had anything to do with XXXX before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me
Consumer complaint received 2019-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation (NY)

In XXXX, I was working full time, with the hopes of starting a small business. I was offered a {$10000.00} loan from Avant, but ended up losing my job & having some additional issues that caused me to not be able to maintain the payments on my loan. Upon realizing that I would not be able to maintain the payments I contacted Avant via their website and explained my situation, I attempted to create a deal that I could maintain while I got back on my feet & received no response. With no money and no income I ended up defaulting on a loan. This was over the course of 6 months. From losing my job in early XX/XX/XXXX, to defaulting in XX/XX/XXXX. The credit score that I had built up over time was destroyed. I have since built my score up to XXXX, but the late payments on my report are negatively affecting my score. I have current accounts, that have been in good standing for over XXXX years as well as maintained a Car loan for the last XXXX months, which is a higher monthly payment than what I was paying with XXXX.
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Banks XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Terrill Outsourcing Group (MD)

Received a phone call stating a debt was owed. I've never had an account with this merchant and can not find anything on my credit report relating to this account. The merchant has never sent me any statements or anything in the mail regarding this account. I have experienced identify theft and my information has been stolen and used to open accounts previously. I had no idea who this company and is why they are contacting me
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (OR)

My grandparents passed from covid within 3 days of each other and I was left homeless and on the streets or in motels and as a retired service never I was on a fixed income. Mariner finince Also put the wrong day as payment day as I only get one check a month and the hit me with late fees that weee do to there mistakes and were not willing to meet me in the middle and clear even one of the late fees as well as they extended the time of the loan to increase my payment and to fleece me of more of my hard earned military compensation pay from my military compensation pay do to being 100 % total and completely XXXX permanently. When they refused to bend at all and with the raised rates s d interest charged I was not at all able to pay that loan back and my rent is still over 1000 a month and I can not ever afford food. I believe they call mariner finacial a predatory Leander and they purposely went out of their way to ruin that relationship from the get go with their attitude and decision to defend their loan officer when I told her that I needed to have my pay date S the first and not the. XXXX when XXXX broker that XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2022-07-17
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of chexsystems I contacted them and they were no help I go get a loan it was because of chexsystems I didn't even know I had anything to do with chexsystems before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me
Consumer complaint received 2021-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

In XXXX of 2020, my auto loan payment was reported 30 days past due. I have reached out to XXXX in regards to resolving this matter being that I was inadvertently affected by the COVID-19 pandemic before we all knew what it all entailed. My payments have never been late before or after this month and they refuse to make this exception or notate my account, or offer any form of relief in this matter. I filed a dispute with Experian on XX/XX/2020.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I used to have a bank account at Wells Fargo back in XXXX and one day I went to the ATM machine and my account didnt exist any more. I didnt do anything at that time I just feel frustrating. I dont really know how much money I had in the account. Days later I went back to the bank and they told me I didnt have an account. I was mad and I just left I was younger and I really didnt care about money but even if I dont receive anything I want to support other people because wells fargo is the worst bank ever. They steal your money. They steal my money back there.
Consumer complaint received 2021-03-30
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. (WA)

Equifax team, Please remove the following unauthorized, fraudulent inquiries from my consumer report, As I DID NOT give my permissible purpose per section 604 of the FCRA. Upon removal of these inquires please send me a copy of my consumer report reflecting the changes. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DEALER SERVICES XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (AR)

XXXX # XXXX On XX/XX/XXXX I tried to transfer my holding in XXXX XXXX to my hardware wallet. XX/XX/XXXX initiated official complaint XXXX # XXXX. XXXX closed my case in XX/XX/XXXX. Posted to XXXX XX/XX/XXXX, XXXX responded XX/XX/XXXX still no resolution. 

Need to transfer XXXX from XXXX to my hardware wallet. Address is whitelisted and I can transfer from Coinbase Pro to hardware wallet but CAN NOT transfer from Coinbase wallet. I have provided screen shots and do not know how to make it more clear for them to resolve. XXXX months is more than reasonable amount of time to resolve this issue. Can not speak to anyone just email back and forth with a bot or other unintelligent support mechanisms.
Consumer complaint received 2023-04-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

On XX/XX/ I signed a note disclosure statement with XXXX Bank. The amount financed was for {$20000.00}. The annual percentage rate of a cost yearly credit was 10.470 %. The finance charge was listed as {$47000.00}. My total amount that I am to pay to the lender after the payments scheduled is {$67000.00}. My concern comes in form of the variable rate ( APR ) that I was forced to sign. On my disclosure statement, I was to chose one index rate that determines the APR. At that time the LIBOR Index Adjusted monthly was most favorable. However, based upon a recent article the LIBOR index will no longer be used. At this time, I feel my lender misled me with harmful information that affected my financial decisions. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



The lender no longer services my account. My payments are based upon a variable rate. On my signed document I was to chose ( 1 ) annual percentage rate option
Consumer complaint received 2022-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX I sent a dispute letter to Equifax for the following accounts, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} )XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$440.00} ), XXXXXXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance {$280.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ). As well as the following inquiries, XXXX XXXXXXXX XXXX XXXX ( Date : XXXX XXXX, XXXX ), XXXXXXXX XXXX XXXX XXXX ( Date : XXXX. XXXX, XXXX ), XXXX ( XXXX XXXX, XXXX )XXXX XXXX XXXX XXXX  ( Date : XXXX XXXX, XXXX ). It's been over 45 days since I sent this dispute and they have not answered nor corrected these issues as they are required to by the FCRA.