davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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: Fidelity National Information Services, Inc. (FNIS) (VA)

Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

This card was open in XXXX name with our permission, I contacted company to send me a copy of my signature and never received anything. this card has been on my credit hurting my score for years and have disputed over and over again. Im being penalized for something I did not do and have suffered from it dramatically. this account is fraud based and is definitely not mine.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

On XX/XX/22, I was unable to obtain my Equifax credit report from XXXX XXXX. I received an error message ( NH ) directing me to contact customer service. When I did so, the agent informed me that the code meant that one of my creditors had reported incorrect information and that I needed to submit a copy of my SS card and DL to correct it. I pointed out that if it was the creditor 's error why should I have to confirm my identity. The agent then hung up on me. 
A second agent asked for the same verification information and I gave it to him. He stated that he was able to clear the error and stated that he was sending me a physical copy of my credit report but gave me an incorrect address, when I told him it was the wrong address, he gave me my correct address. I then asked for access to the myEquifax website, he stated that I should be able to access it. I tried but wasn't able to. 

As of now how I have been on hold with Customer Service for 46 minutes and counting. I have logged into their websites on XXXX and XXXX seeking help. No repsonse.
Consumer complaint received 2023-09-23
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. 
Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. 
They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. 
I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. 

The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX  card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. 

SO INCOMM VANILLA GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY XXXX XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. 
Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. 
They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. 
I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. 

The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. 

SO XXXX XXXX GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY BACK.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Yes I had opened an account with capital one and had a few charges that weren't mine I contacted them and they corrected it and now they have froze my account and charged me for the previous charges that I had disputed and now my account is in the negative but they froze it so I can't even do anything with the account I've tried to contact them and they've told me my account is being closed and I tried to ask them the reasoning for this and they can't give me an answer so I don't know what they expect me to do. I asked if I send them proof that I was at work when some of the charges took place and they said no.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (FL)

I had a loan for a XXXX XXXX XXXX XXXXXXXX, of the amount of {$18000.00} and monthly payments of {$480.00} on XX/XX/XXXX XXXX weeks later the vehicle transmission broke down. and I returned the car to the dealer and told them that I don't want this car anymore and then I called the bank and explained to them what happened and that I didn't want the loan anymore. now I am being charged incorrect amount and we don't even have the car since XX/XX/XXXX.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

took XXXX weeks to get my unemplement to be approved and finally when its time to collect thru us bank reliacard thats when the issue start i m in my XXXX week now waitting for them to send me a prepaid card but never got it and every time i called the want id verify or they telling me the fraud departement is stoping it. 
playing games with people money its not a game we have bills to pay and rent to pay and i m not gon na be evicted and live in the street in this cold wheater becouse those people dont care or dont know how to do their jobs their custmmer service is not trained or have the knowledge to fix problems or find a solution. fighting the scammers by punishing innocent people like us is not the right way to do it. 
us bank not a good choice for a goverment contract
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated (FL)

I have never lived in XXXX addresses .. but instead with friends and had my email, while out of the areas my mail was forwarded to the addresses. Since I can not send addresses, how do eliminate from my profile?
Consumer complaint received 2022-12-06
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: Professional Debt Mediation, Inc. (TX)

XXXX accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting act XXXX  Account # XXXXXXXX XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Recovery Solutions, LLC (NY)

XXXX XXXX was issued a cease and desist yesterday via text, the same communication they initiated without my permission to contact me about an alleged debt that I do not owe. Please see attached exhibits, which show that XXXX XXXX violated my right to privacy by contacting me to collect on an alleged debt that I do not owe. XXXX XXXX assumed the risk when they purchased an alleged debt from the alleged creditor. I do not owe neither, XXXX XXXX or the creditor, and demanded all communication ( direct and indirect ), harassment, embarrassment, defamation of character and attempts to collect on an alleged debt to stop. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SBNASELFLNDR for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Stellantis Financial Services US Corp. (GA)

Good day sir/maam. 
Please pay close attention to dates, time stamp because I will be attaching some documents. 
XX/XX/XXXX I bought XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Few weeks later the car stopped me on a XXXX and I towed it back to the dealership. 
They did the first repair at XXXX XXXX XXXX, on XX/XX/XXXX I pick up the car, on my way home on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following day, the car was towed back to the dealership. 
XX/XX/XXXX I kindly requested for a change of car or they can keep there car. 
XXXX XXXX XXXX XXXXXXXX employer advised me to do a voluntary repossession. 
later that, day I spoke to the XXXX XXXX on the phone, to please exchange the car or keep it, he told me to come back to the office. 
I went back to their office the following day and he got a {$16000.00} car, {$3000.00} down payment, almost $ 700 monthly payment for a XXXX XXXX plus mileage car. 
I respectfully declined. 
He said if I dont want that, another option would be for him to fix the car ( XXXX XXXX ) It took 1 months plus to get the car fixed and I was still making the car payments. 
Let me add this, I called, texted, wrote mails to stellantis financial services, to informed them about the situation. 
XX/XX/XXXX I pick up the car. 
The XXXX assured me everything was great and running smoothly. 
XX/XX/XXXX XXXX the car stopped me for the XXXX time on XXXX XXXX. 
XXXXXXXX XXXX I towed the car back to the dealership. 
XXXX what I have been going through all these months, Dealing with a company that sold junk car to me and theyre fully aware. 
I pay XXXX to this place when the invite me to the office, pretending to help but never did. 
I payed for tow out of pocket. 
The cancel the warranty I had on the car. 
They just want me to react or be rude to them so they can call me XXXX XXXX XXXX etc. 
But I still maintain the peace. 
Please CFPB help me! 
Let me also add that I bought ( XXXX ) cars from this establishment. XXXX, XXXXXXXX XXXX  and didnt complain about the cars because theyre okay, just some cosmetic repairs here and there. 
The XXXX has been the problem from the beginning.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the fair credit reporting act XXXX act # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-02
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. (TX)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report shows two credit inquiry/inquiries that I did not authorize. I submitted the the request to Experian, with an attached FTC report.
Consumer complaint received 2022-12-02
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. (NJ)

I have sent out letters to each of the credit bureaus by mail on XX/XX/22 regarding unauthorized inquiries posted on my consumer report. I have yet to receive any response or update regarding my claim. It has been more than 30 days and they have failed to look into this matter. as a consumer I have rights to privacy, which each of these credit bureaus have violated. XXXX, XXXX and Experian also known as a financial institution have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information being shared to benefit for monetary returns. They are in direct violation of 15 USC 1681 ( b ) - It is the purpose of his subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, they are also in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which they have failed to do this. I have never given, authorized or verbally consented to any of these transactions.

Please be clear that no consent or authorization is IDENTITY THEFT! Their willful noncompliance has resulted in identity theft which I demand to Cease and Desist! Pursuant to 15 USC 1681a ( d ) ( 2 ) Congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transaction and or experiences to be deleted in accordance with my written instruction.
Consumer complaint received 2022-11-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: FIRST REPUBLIC BANK (CA)

this is complaint about first republic bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX My mother XXXX XXXX XXXX XXXX XXXX have account with this bank for more then 30 years. For many years we accepted this low interest environment but now when interest rate jump XXXX % the bank want to renew the cd without my knowledge and still pay me close to XXXX % .The bank representative got all the information to communicate with me include email and phone outside the country but it was convenient for the bank to send letters to the address that use here but not present there. 
is that make sense to continue offer almost XXXX percentage point when they renew cd but for the same cd they offer for someone new XXXX percentage
Consumer complaint received 2022-12-02
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: Diversified Adjustment Service, Inc. (GA)

I received a letter stating that I owe {$830.00} from Diversified Adjustment Services Inc. I have never done business with this entity before, they provided no contracts or details stating that we had a contractual obligation. They provided an account # XXXX. 

This collection has caused a hardship on my creditworthiness and the ability to function and get credit to use for my daily live.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc (MI)

I received two letters in the mail today, XX/XX/XXXX, from Consumer Collection Management IncXXXX in XXXX  XXXX, MO. One was addressed to me, XXXX XXXX, and the other to my son XXXX. I called the agency immediately because we have never been to the dentist that the agency is representing ( XXXX XXXX, XXXX XXXX, MI ). Furthermore, we have insurance through my husbands work so there is no possible way we could have an outstanding bill without receiving a letter from our insurance company or the dentist ( Our dentist is XXXX XXXX in XXXX XXXX ). When I called the collection agency to get information, I was told I was rude and was hung up on. I called again and I spoke with the manager named XXXX who laughed at me when I said I felt I was being scammed. He badgered me and spoke over me repeatedly. I dont find receiving a collection letter from a place Ive never been humorous nor something I should regard as no big deal. He dismissively said they could send me an itemized bill but couldnt tell me over the phone because of HIPPA. Its outrageous and I still think Im being scammed. I want immediate answers. When I XXXX  XXXX XXXX, there is no location in XXXX XXXX, Mi which further adds to my suspicion.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  
FCRA Violation student loan payment never late
DEPT OF EDXXXX

FCRA Violation auto loan payment never late
XXXX
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NJ)

Have a credit card through TD Bank N.A. 
Previously had to do split payments due to not having enough in cash. I did the reward application of cash back I stockpiled to pay half the bill in the amounts of {$61.00}. I then paid the remaining amount of {$70.00} with money I deposited into my checking account on XX/XX/XXXX by around XXXX XXXX 
This total was then {$130.00} which is great than my minimum monthly payment of {$100.00}. 
However, I was charged a late fee even though my payment showed as posted and pending and am now receiving calls to make payments on it. I called the company and was told I'd be forgiven and given a pass on this late fee due to the system not noticing I paid in full through split payments on XX/XX/XXXX.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

I made an additional principal payment to Mr. Cooper ( the mortgage company ) in the amount of $ XXXX. They received and cashed the check on XX/XX/2022, however they only applied {$78000.00} to principal on that day. The remainder of {$1600.00}, they held in their own hands and then applied it to principal and interest on XX/XX/2022 as if my normal monthly payment. Thus, I paid more interest than I was required to pay. I let them know this. They refused to back date the {$1600.00} to XX/XX/2022 ( when they received it ). I have screen shots saved of the chat dialog with them denying satisfactory resolution.