davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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. (CO)

On XX/XX/XXXX, I received a phone call from Corporal XXXX XXXX from the XXXX XXXX Police, reference case XXXX. An individual was using my identity to purchase cars and start loans etc. 

Prior to XX/XX/XXXX, my credit score had gone down XXXX points, and just yesterday it went down another XXXX points. I tried to dispute with the credit card companies but nothing has happened. 

From XX/XX/XXXX to today, I have submitted several disputes with Experian. No action has been taken by them. 

These are the following on my credit report that are not me : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX AN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Please help! Thank you.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

NFCU has abused my intelligence along with my access and use of checking account, the whole time Ive had this account they never reported my excellence of banking. But I did receive a no access warning while out shopping and to call them and was not able view my account over 6 months ago. I called their fraud department and spoke XXXX and whom talked to with very condescending threats about me receiving a cash app deposit as if he was implying that I was money laundering and he sent me an affidavit to file out and complete and since this Ive havent heard anything. But I fo know all these banks that have closed my accounts are in legal trouble and laws suits themselves and Im suffering behind their fraudulent and the federal reserve needs to do something about this. Its ridiculous cause filing these complaints gets it nowhere okay XXXX you have NFCU listed in a mayor lawsuit for intentionally closing accounts no reason Im including myself as part of this abuse in this pending case.
Consumer complaint received 2022-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit score was hit by a hard inquiry by the bank holding company Capital One for a new line of credit. I was shocked as I have never talked to or done business with anyone or anything related to Capital One. I don't know if someone tried to open a line of credit under my name but I am extremely nervous and worried about any fraudulent activity in my name. I want this hard inquiry off my credit report as it is wrong and I want to be safe from anything relating to identity theft.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (HI)

I have been contacted and threatened by Jefferson Capital Systems twice about a debt from 2017 on a XXXX debit card account. I had paid the debt years ago, and confirmed that by calling XXXX directly to ensure that they had record of the debt being paid, which they did confirm. They said that there was not a balance. This is the second seperate time that XXXX has attempted to collect the debt after it was paid. The first time was a few years ago, and I provided the payment details that XXXX had confirmed. They continued to harass me but after I told them I would report it, they stopped. Now they are doing it again, by USPS and also now by telephone.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have previously had this complaint with this company for the same exact thing and they continue to cause me to be in a category of a consumer with bad credit and I am not, this is hurting my financial options.I currently have a public record reporting and the bureau has informed me that they validated this information with XXXX XXXX a third party creditor. I have since called XXXX XXXX and have been informed that they have nothing to report to the bureaus regarding any public record. 

I believe that this company is trying to avoid properly re-investigating my dispute because they know it will result in a deletion on my credit record. Please do not allow me to suffer because of being misrepresented to the creditors. I am also a victim of identity theft, which is another reason I am concerned about this false reporting.
Consumer complaint received 2022-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX ACCOUNT 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 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

My husband XXXX XXXX and I didnt receive a proper notice, my XXXX XXXX XXXX has XXXX illness, that reason why The was behind for three months due to his condition, and struggles to pay the mortgage, XXXX XXXX is the kind of community property interest holder, I did not given a chance to fight in the court, I am legally authorized of XXXX XXXX property, we been married for XXXXyrs, Yes the loan I was not included my names but is the community property, but the land is both our names, I was paying the bills as a taxes of the house, this our community togetherness of My husband XXXX XXXX, the Vanderbilt morgage company is excuses the want the house so they can sold below the market value, and put the balance of the loan to me, that they didnt given me a chance to negotiate to take over the loan, now I become a homeless due to thier negligence for this business practices, I can take over the payment so but they didnt given me a chance, me and husband paying the mortgage for 20yrs for the interest of XXXX percent, they already get back the amount of money for loan XXXX home, on our difecult time they can not make exception to us, the loan leaf is only 5yrs now to be paid, they dont one even given me a resolution, my families super right now stressful life because no home. When I find out there a default Judgment of my husband on XX/XX/2019 : even he already passed away, I file the motion set aside default judgments, and the judge told me is late now because is out of jurisdiction, how could be I just find out, the judge never ask when I found out the defecult judgments, XX/XX/2019 know about it, our court system/ justice systems is not fairness to the consumer, they favor more in a big corporation because of the donations of thier compaign contribution, they dont care about us, super with no home he never looked at the our situation, or maybe if can afford the lawyer I file lawsuit, but can not right now I can justify, if I can not given me chance it easy for them to place the default Judgment on my land so I will super more, they already take away my home I become homeless right now. Pls help me to resolve this situation is very unfair to me., I am authorized of my Husband property is  community property I am intitle of all next kein,
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS WERE NOT AUTHORIZED BY ME, PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SO MANY DAMAGE TO MY FILE. I AHD NO IDEA THOSE ACCOUNTS WERE PLACED ON MY FILE, PLEASE CONDUCT AN INVESTIGATION AS SOON AS POSSIBLE.
Consumer complaint received 2022-08-09
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (IL)

I applied for the XXXX Credit Card earlier this year, but once I received the card and read the terms, I decided not to take the card and never activated it. XXXX has been sending me monthly statement saying I owe them for an activation fee and for interest on the activation fee. They are now stating that I owe them {$9200.00}. I never activated the card or set up an account and to be able to send them any information online I have to set up an account, which I don't want to do.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (PA)

I made a purchase with my XXXX XXXX credit card from XXXX XXXX which I received XX/XX/22. Upon receipt I tried it on and it was too large. I immediately returned it and it was received back to XXXX XXXX on XX/XX/22. I wrote on the receipt to return back to original payment method which was my XXXX XXXX Credit Card. Instead of issuing a credit they said they would issue a Gift Card. I told them I did not want a gift card and to refund my original payment method. They assured me that is what they did they cancelled the gift card and issued a refund. That has never happened. I have called XXXX times since XX/XX/XXXX to see why my refund has not been issued and I keep being told to give it a little more time to process. I still have not received my refund to my original payment method. These calls have taken place between Woman Within, XXXX XXXX and Comenity Bank customer support. They deducted my payment for the item so far {$29.00}. The rest to be deducted this month. I have also reported this to the XXXX XXXX XXXX. They informed the XXXX XXXX XXXX that it has been taken care of which it has not!!!!!! I want them to refund the {$39.00} for the item purchased and issue me a check in that amount. Cancel this credit card because I never want to deal with these people or this company again.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (CA)

My Information was used without my consent and fraudulent accounts was opened up using my name, credit cards, utility bills, phone lines, I have spoken to these companies numerous amount of times and explained the misunderstanding and even sent them proof and they haven't resolved anything in my favor, I am contacting you guys so you guys can assist me with this matter because these fraudulent accounts are hindering my credit score and life and is holding me back from moving forward with life.

( 1 ) XXXX XXXX XXXX XXXX {$1000.00} ( 2 ) XXXX XXXX XXXX XXXX {$120.00} ( 3 ) XXXX XXXX XXXXXXXX {$17000.00}
Consumer complaint received 2022-08-07
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. (IN)

I filed and have a XXXX  police report for identity theft, and contacted indiana general attorney office because On my credit report appears my current address on XXXXXXXX Texas addressees I never lived, accounts I never requested, employment sites I never worked, any other names I never used, phone numbers I never had before, and im a identity theft victim some one is is using my identity on XXXXXXXX tx, and I never lived over there, im scary I hope yall can help me about that When I requested a credit report I seen all information dont belong to me and also on my credit report appears a high income I never had in all my life Thanks in advance
Consumer complaint received 2021-11-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MS)

Unauthorised transactions made with my MoneyGram online account in which I had to cancel because of fraud MoneyGram refunded one but did not refund the other because they said it was picked up already by the receiver I told them I didn't authorize this so my bank charge me for it
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

I put {$4000.00} into my TDBank account was part of my federal refund money Ive been saving. Long my job have no money and they took the money with out telling me for a offset. They never reached out want I called there where very rude and condescending about the money. And told me I would never get my money back.
Consumer complaint received 2022-08-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, My credit report contains a fraudulent account that I would like to dispute. I have not made any purchases in connection with the account listed below, which appears on my credit report. I believe this is the result of identity theft. I have contacted the company to delete the fraudulent account. Despite my best efforts, I have not been successful. My request is that the fraudulent account be removed from my credit report as soon as possible. 

XXXX XXXX : XXXX Enclosed is a copy of my FTC report to support my case. 
My Drivers License, Social Security Card, Proof of Address and Notarized Letter. 

Thank you!
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (CA)

5 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 an account without my written instructions. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, USDOE/XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, US DEPT ED XXXX
Consumer complaint received 2019-10-22
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. (SC)

Im unable to upload this information via https : //dispute.transunion.com/dp/dispute/landingPage.jsp? PLACE_CTA=dispute : cta, Im not sure if the server is down or theyve blocked my IP address. Ive mailed in these documents before, and according to several agents, its required and exactly whats needed to process the removal of these fraudulent entries to my personal credit report. Today I am unloading them via the CFPB, and I will mail them certified mail with tracking and return receipt so I know exactly when they are received.
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I refinanced my vehicle. I submitted the power of attorney form. In the Capital One app it states that all of my required documents have been received. However they won't send me my title back. I have moved to another state and need to get my title. I already switched my insurance to my new state and because I can't take my title to the new state, the old state has charged me {$890.00} saying I'm noncompliant.. capital one doesn't have a working number to reach customer service for Auto loans. I need assistance and no XXXX answer the phone
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (MA)

Hello, My mortgage was recently transferred to Arvest. My first payment was due XX/XX/XXXX. 

I made my payment online and was assessed a {$5.00} fee. The payment was not late, and I did not use any payment service or speak to anyone by phone. I simply used the Arvest website. 

Nothing on the payment page or process said anything about a fee for simply making an online payment. Only when I went to the fees schedule did I see a {$5.00} fee for 'Payment by Website. ' First off, there needs to be warning that paying in a certain fashion will incur a fee. I have attached a screenshot showing the online payment process, and nowhere does it mention a fee. 

Secondly, I find it egregious that a mortgage servicing company can charge a fee for an online payment. This wasn't a late, rushed, or pay by phone payment. 

I have never experienced this at any other loan servicing company, and have used many. 

Thank you for your time.