davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management contacted my home phone number. I did not answer nor was I home. My mother answered the phone and the collector assumed that it was me that answered, addressed my mother by my name, and proceeded to tell my mother about the debt and that there is a potential lawsuit. There was an apparent aggressive tone and my mother stated that she had to talk over the person to tell her that she was not me. The collector never asked for any SPII to confirm that she was speaking to the correct person. My mother did not share any other details of the conversation other than the collector asking for additional contact information for me or husband ( which I do not have ). The call was received on XX/XX/2021 at approximately XXXX EST.
Consumer complaint received 2021-01-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

as oi stated to you peop [ le before and in the past experian.XXXX have faiLED TO FIX THE PROBLEM. i want to pay for it dearllly the complaint has treoid to fix and they failed to fix it as of today XXXX has XXXX out my report but Experian has not dont the same thing.
Consumer complaint received 2021-07-06
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. (IL)

Regarding Account # XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, I settled with XXXX XXXX XXXX regarding the XXXX  XXXX XXXX XXXX  Account for {$150.00}. The account is paid in full and is closed. The charge off for XXXX  XXXX XXXX XXXX was not updated when I reviewed my Equifax and XXXX  Credit Report in XXXX of XXXX. XXXX  was the only credit bureau that removed the account in its entirety. 

I contacted Equifax and XXXX  on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. XXXX  sent me an alert XX/XX/XXXX innforming me that XXXX XXXX has sent information stating that the account is a chargeoff and it will not be updated. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. 

I spoke with a representative on XX/XX/XXXX from XXXX  and they stated that they are unable to update the chargeoff as Paid. l have attached the XXXX XXXX Letter for payment, Settlement Letter from XXXX XXXX XXXX, and a Receipt to USPS for your review.
Consumer complaint received 2021-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Id done everything in my power to ensure online credit card account was not easily accessible to anyone. 
Capital one has been my primary creditor for more than 2years ( not consecutively ), and I am a loyal, valuable customer and iI dont want to express my disappointment publicly. 
They closed my credit card account because of fraud application instead of recovering my online account due to it being compromised by a person pretending to be an employee from one of the online stores i used my card in.. they also removed my payment history for 2 years i never missed a payment.. i opened this card in XXXX 


, I appreciate your time and I understand the position youre in. But, please reconsider your decision and reimburse the money the thieves stole from me. Capital one can easily absorb this loss, while my family and I cant.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ME)

When going to make a payment ... once again we are asked to update my email address and it will not accept it. I have linked accounts several times now over the last 10 months and it is getting tiresome when needing to pay account and forced to call them and pay that way. I have had this email the entire time I have had this Citibank Home Depot account. I have EXCELLENT payment history and this hindered multiple payments in a 30 day cycle. It truly feels like they are purposely making it harder to pay down promotional balances and avoid finance defered charges. I won a previous complaint when they improperly applied payments during a lockout situation last XXXX. I am having the exact issue again now with lock out from my on-line access. I have screen shot showing issue once again prohibiting me from access.
Consumer complaint received 2020-05-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC. (UT)

Someone applied for a title loan in my name the car as far I know has been totaled. There keep trying to collect from me I've sent them information on ID theft and it wasn't me. They still are trying to collect on something I didn't even do. XXXX XXXX XXXX.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-02-01
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. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXXXXXX 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 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 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 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
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been well over 30 days and I haven't received results.
Consumer complaint received 2023-06-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (GA)

There are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX XXXXXX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.
Consumer complaint received 2023-03-21
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. (AL)

In accordance with the Fair Credit Reporting Act, the following companies/creditors have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written authorization /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 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX ( Transunion ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX XXXXXX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank (GA)

After received a pre-approval, we began the process of closing on the home. The inspection was completed and more paperwork was submitted to my loan officer she then began the conversation of an appraisal. She ordered it for me and she sent over the info for me to pay for it. I do not have my tax returns ( awaiting the IRS to process them ). The entire week and a half my loan officer and her assistant began rudely dismissing even attempt or possible solution that came to mind. Myself and my realtor thought of so many alternatives. After they were all denied it wasn't until the following wee the lender came back to share that she found a solution and would be switching the loan type. Basically starting over from a conventional loan to a FHA loan. Now the lender, and assistant were informing me they were switching all the paperwork from a conventional format to a FHA format, the was the reason of the first extension request to the seller. The lender then came back to share that the FHA paperwork requires more information and processing time for a condo. And the final cherry on top was the condo community I was planning on moving to did not accept FHA so they had to go back in for a spot approval. All in all this entire process lacked knowledge, skill, professionalism, good advice, and most importantly accountability for I have now lost all money I have put towards purchasing this home. The second request was denied by the seller to allow the lender more time to switch the loan type. The condescending language from the beginning was not easy to work with but the bigger picture kept me going. Simply rude responses is never something a client should have to deal with on top of an already tedious task.
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC (PA)

On XX/XX/2020 i contacted GLOBAL LENDING SERVICES for clarification on why my application for credit was denied. I was given a multitude of answers in which none made any possible since to me. One representative informed my my application was approved, but for only a partial amount of the debt created. As i asked for a supervisor i was then told that they never received an application after i gave the same gentleman the application number i received directly from the sales manager. In addition i informed both individuals that i was the comsumer and creditor within the transaction and also that i was the entitlement holder over the account of the participant. For even more clarification i then asked the sales manager at XXXX XXXX was the application considered in-house financing in which he replied yes. After relaying the information back to Global lending services they claimed they never received or approved any contract or application applying to me when i just furnished the information indicating such fact. They also required a fee to release any credit or approval to me in which i understand is a violation under title 15.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (VA)

CarMax Auto Finance is in violation of FCRA inaccurate reporting. CarMax had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted CarMax a total of XXXX times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of XXXX late payments my credit score has been impacted each time because of this I went from a XXXX XXXX XXXX to a XXXX because of CarMax I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (GA)

XXXX at Regional Finance in XXXX, GA was EXTREMELY rude and disrespectful on XX/XX/2019. I explained to her my case on my payment. She accused me of making a fraudulent payment to get them off my back which I did not. That is tarnishing my character and completely inappropriate. I told her I didnt appreciate her attitude and she kept assaulting me. She said I do what I want to do Im mad at her because I can not pay bills. This is absolutely no way an individual should be treated. Horrible finance institution and completely unbelievable.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (MA)

Hi Im filing a complaint with td bank I received two overdraft fees labeled something else on same day the account went negative even though brought process I advised them this is only bank that does this and what gets me is it isnt even labeled as overdraft when I look I was told this I also made another transfer instant transfer always been instant in my account unless account is negative its almost like their playing the cards to charge you these fees I spoke with rep after rep with no success on even listening to what the guidelines and procedures for overdraft is I was only told oh thats how it will be next month I would like this looked into cause I feel they are doing some shady business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a card owner with Bank of America since 2016. I learned that they shut down my credit card account because my credit score had gone down by 100 points. I was not notified of this cancellation or the reason of the cancellation.
Consumer complaint received 2022-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (VA)

RECEIVABLES MANAGEMENT SYSTEMS at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX has reported a medical debt to XXXX credit bureau in the amount of {$410.00}. I do not know this company. I have never done any business with this company. This company does not have any legal documents with my signature bonding me to this debt.