davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (TX)

I was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$15000.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my right.

Company that being reported : Capital One 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681. 604 A Section 2 states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-25
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have a credit balance on my card of over {$9000.00}. I requested the funds be returned to me over a week ago. I was told 3-5 business days. After that time passed, I called and was told it could be up to 2 weeks. No one will tell me what the hold up is and when I will be getting my money. I have never been late with a payment and pay my account in full every month.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/2021, I called PenFed and ask to talked with a supervisor. A PenFed supervisor by the name of XXXX XXXX came on the phone. I told her that I made 2 payments one for {$200.00} and another for {$2000.00} which paid over the amount due for the Balance Transfer due XX/XX/2021. Both payments made were not placed on the balance transfer of {$1900.00}, that expires on XX/XX/2021. Both payments were placed on a balance transfer that is not due until XXXX of 2021, thus will cause me to have to pay interest on the balance transfer that was paid off in XX/XX/2021. Both payments are showing in the XXXX statement, yet the balance transfer is not showing paid in full for the balance transfer due in XX/XX/2021. She told me that she would check on that after a few minutes came back on the line and stated, " This is the way it is done at PenFed '' I ask to talk with her supervisor she told he was not available, and would find out what manager was available came back on the line and stated her Asst. Manager by the name of XXXX XXXX was not able to come to the line although would call me in a couple of hours.
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: Convergent Resources, Inc. (LA)

XXXX said i owed them money but I didn't because XXXX XXXX XXXX was suppose to send them money for a buyout program and XXXX XXXX XXXX never did sent money or phones that I turned into them for the biyout program and they never sent any money to me and they said they did but I got any money from them so XXXX put the agaist me and turned me into collection and it went on my credit report well I pay them in full {$1200.00} witch I should have never been responsable to pay that fee but im trying to buy a house and i need this deleted from my credit report. So can you help me get this done. 


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Consumer complaint received 2024-09-14
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: ALLY FINANCIAL INC. (MD)

These are hard inquiries that I did not authorize these inquiries are fraudulent XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I figured out in my credit report inquiries that I have never authorized nd account that I do not know. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never given any permission to any company to do something like this. I do not know this account as well, this item is not mine. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AR)

Originally open the account because of offer from the store for a discount. 

When I got the first bill in the mail I called them made payment for the full balance on the card, and requested for them to put the account on auto pay like I do all my cards, from my checking account that I made payment from # XXXX. I was told I either had to use the website or mail a form to me to return. I chose the letter because I've had problems with some websites before. Having completed that, I assumed the next bill would be Auto drafted. I was out of town in XXXX, coming back to tons of mail, I found a letter where they had sent my {$85.00} purchase in XXXX for collections and now when I called to ask why it wasn't on auto pay they told me I never got it set up. Now they want {$160.00} something dollars. I just told them it was unacceptable. They told me they would continue to add interest to the bill if I didn't pay it all. They offered me the card after I had already refused at the store to begin with, I was trying to put it on my credit card that I'm had for years thats on auto pay.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2021 my husband went to Citibank and informed that I mistakenly clicked on the link that came to me, indicating that it is from Citibank. banker told my husband it is ok no need to worry if we did not give the account number and no need to do anything at this time. next morning ( XX/XX/2021 ) i just checked the account and saw three fraudulent wire transfers, I went to bank right away and informed the same banker about the issue, then she stated that " we have to open this kind of fraud cases every day so many people are coming with same issue. '' the hacker took {$15000.00}. I don't have that kind of money in my account he transferred {$500.00} from my checking plus to checking account and deposited fake check. and eventually that fake check got bounced. 
I was in the bank that day for almost XXXX hrs and completed all the necessary paperwork. my husband came from work that afternoon and asked why she did not mention about so many fraud cases that they have to open everyday, the day before and why she did not suggest to freeze the account, she has no answer for that. while opening the case I asked them when there is negative XXXX XXXX dollars in the account why they processed the third wire transfer, they have no answer. I opened 3 fraud cases for the wire transfers with Citibank fraud department and another case for the money transfer from checking plus to checking. For minimum courtesy not even once, No one called me from Citibank and also even before resolving the case they keep sending me the bills to pay them back the checking plus money and also they report to my credit bureau. whenever I call them, they keep telling me it is under investigation they can't give out any information. And in XXXX when I called they said they closed the case did not send any information and did not call me, after that call they send me letter stating that they denied the case, I appealed it again. 
we are working hard middle class people, please help us to get our money back. I also reported to XXXX.
Consumer complaint received 2022-12-03
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: National Credit Adjusters, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Consumer complaint received 2022-12-19
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: NRA Group, LLC (VA)

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 NATIONAL RECOVERY AGEN XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 2022-05-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (DE)

On XX/XX/XXXX I returned my leased XXXX XXXX to XXXX XXXX in XXXX, PA. Upon returning the XXXX I signed a new lease for a XXXX XXXX. The paperwork for vehicle registration was incorrectly submitted. My name was spelled incorrectly on the new lease, which they refused to fix. I paid them {$2500.00} as a down payment on the XXXX XXXX. 
The dealership held the money and never sent the payoff to VW Credit until XX/XX/XXXX. They have also documented my end of the XXXX XXXX lease as XX/XX/XXXX. 
I have repeatedly asked and called both dealership and VW Credit to confirm that my lease date is XX/XX/XXXX. They refuse. The XXXX of the dealership XXXX XXXX sent me a fraudulent copy of my end of the XXXX lease with his salesman as the leasee and he as the lessor. My salesman XXXX XXXX has since retired. 
After a flood in my home on XXXX XXXX XXXX my copy of the XXXX lease and End of the XXXX on the XXXX were destroyed. 
I need all the original document. 

Other than that I have no proof nor do they that I have a leased vehicle with VW Credit. 
They are both documented on the XXXX  website for this same problem with many others. 
Thank you!
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

The company I work for use XXXX as a service for wages and when I received a wage garnishment XXXX  I have attached documentation ) I was unmindful that I was being sued as I never recieved papers or orders. 
After looking closely to the documents that XXXX  uploaded XXXX see attached ) I noticed they used a pay period to show my income on a pay period that I felt was unusual high. It was this high pay period that was use to collect when in fact I average {$200.00} less. 
My take home for XXXX weeks is an average of {$850.00} and XXXX XXXX of that for wage garnishment of {$210.00} leaving me XXXX to live on for XXXX weeks is unreal.My rent alone is {$1100.00}. 
This particular account has been closed since XXXX and all the sudden shows active open on my credit report with the balance increasing ever week. 
XX/XX/XXXX my credit went down XXXX points XX/XX/XXXX balance increase XX/XX/XXXX balance increased XXXX XXXX balance increased XX/XX/XXXX balance increased XX/XX/XXXX balance increased
Consumer complaint received 2022-04-18
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)

I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor XXXX XXXX XXXX and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (VA)

I purchased a used XXXX XXXX in late XXXX, with the first payment due for the PNC Bank auto loan in XX/XX/XXXX. Since the very first time I tried to pay online, nothing has worked correctly. I have to call in and spend time on hold every month to make my payment over the phone. Today, it was my external XXXX XXXX account that had an error message on the XXXX website. I suspect PNC is either intentionally not correcting these issues to cause people to set up PNC accounts and deposit funds for payments, or they are intentionally causing the issues for the same reason. XXXX  months is more than enough time to solve software problems, PNC has run out of time and excuses.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (OH)

Discover bank fraudulently tried to collect a debt that was paid off. I was never notified of any action, they forged my signature in order to deliver paperwork to an old address that I don't live at. I sent back the paperwork and disputed their debt collection but the ignored my dispute and my cease and desist orders. Discover Bank is in violation of multiple us codes including, 15 USC 1692b ( 4 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 168h ( e ), 15 USC 1692b ( 5 ), 18 USC 1708, 18 USC 1703, 18 USC 1702.

All of these fraudulent charges and violations were submitted to Discover Bank and the XXXX County Clerk of courts on XX/XX/2021, along with cease and desist orders, a fee schedule and an invoice for the charges.
Consumer complaint received 2022-09-26
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)

The credit report agency Experian, failed to do a proper investigation for disputes I have sent to them on XX/XX/2022 & XX/XX/2022. The company has received these handwritten letters and has failed to provide me with a name, address, and telephone number of each person contacted regarding alleged accounts. I have also requested documents bearing my signature showing I have a legal binding contractual obligations to pay them the exact amount claimed owed.
Consumer complaint received 2022-09-26
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. (FL)

I was looking at my credit report and noticed there was a lot of fraud from a company that i thought was handled a long time ago when I told them they had the wrong person back in XXXX. For some reason account resolution services has hit me with 7 hard inquiries on my account with all different prices. They call countless times. I had explained to them they had the wrong person and I thought this was all done with as they understood. Today I went into my credit karma which is XX/XX/XXXX. I have no problem providing any of my personal information but this is identity theft and fraud and nothing on here was ever signed or agreed upon by me. I do not know this company or the companies there working with. I would just like this to be resolved so my credit is accurate.
Consumer complaint received 2022-12-03
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: SANTANDER HOLDINGS USA, INC. (OH)

Im accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit plan as late for purpose. 


Your friend XXXX XXXX
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I am submitting this new complaint because Shellpoint Mortgage closed my last complaint ( XXXX ) without a resolution. Please confirm if the property tax is escrowed and Shellpoint Mortgage will send the payment ( in the amount of {$3500.00} ) to XXXX XXXX, before the deadline of XX/XX/2021. If it is not paid before the deadline, Shellpoint Mortgage will be responsible for the late fees and related interest charge.

I have called Shellpoint Mortgage many times. Each time, I get a slightly difference response, ranging from " we don't have the tax bill '' to " please pay directly yourself because it is not escrowed. ''
Consumer complaint received 2021-01-24
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX my bill for account TOYOTA MOTOR LEASING ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.