davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/17 I received an email notification from Capital One confirming if a XXXX purchase on a credit card was valid.  I asked my husband about this since it is his credit card and he then realized that he lost his wallet.  I then called Capital one immediately and told them that the credit card was lost.  I check another credit card and that also had a XXXX charge of over $1000.00 on it and called XXXX XXXX and told them about it.  I also called XXXX XXXX and XXXX XXXX to notify them of it.  No charges were on those two.  Only unauthorized charges were on the Capital One and XXXX XXXX.  Capital one put a hold on the charges back inXX/XX/XXXX and reverse the charges.  I received two letters dated XX/XX/17 on XX/XX/17 from Capital One stating that they did not find any indications of fraud and it now charging us the XXXX that wants us to pay for it.  I called on XX/XX/17 and spoke with someone from Fraud department and they said that only the person who handles the case can re-open it.  I left a voicemail message on XX/XX/17 and was told I would get a call back in 2 working dates.  As of today XX/XX/17 I have not received a call and call back and left another voice mail message and hope that they would call me back.  I am filing a complaint now so that someone can help me out. The Fraud person I spoke to on XX/XX/17 stated that it could not be a fraud because the credit card machine was a chip card and it could not have been a counterfeid.
Consumer complaint received 2017-09-10
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. (CO)

I have attempted over the course of 4 years to correct this issue with my credit file. The issue is primarily with Equifax but has been an issue with the other two. There are security questions that allow you to view your report. On these forms are questions about lines of credit, loans, retail cards and bank cards I have never owned. I am, because I have n't the answers to these questions, not allowed to see my report or to properly dispute this information. 

These items are as follows : Mortgage loan XXXX XXXX Home equity line of credit - XXXX XXXX Retail card - XXXX XXXX Retail card - XXXX XXXX Auto loan lease XXXX XXXX Installment Account XXXX XXXX Student Loan - XXXX XXXX If these items are what they seem like, then I have not only been kept from my file, I have also been kept from protecting myself from fraud and I.D . theft. 

Any help would be greatly appreciated.
Consumer complaint received 2017-12-30
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: ALLY FINANCIAL INC. (GA)

On Thursday XX/XX/XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.
Consumer complaint received 2017-12-30
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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

XXXX XXXX XXXX XXXX is misusing my private information without my consent. I never gave XXXX XXXX XXXX XXXX permission to use my social security number nor did i gave XXXX XXXX XXXX XXXX permission to inquire about my credit. I have no business relationship with XXXX XXXX XXXX XXXX and i did not apply for a loan. XXXX XXXX XXXX XXXX is causing injury to i.
Consumer complaint received 2017-11-10
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. (GA)

On XXXX/XXXX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, XXXX report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.
Consumer complaint received 2016-10-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (MD)

THIS ACCOUNT IS NOT MINE I FILED SEVERAL DISPUTES I PROVIDED DOCUMENTATIONS I AM HAVEING PROBLEMS WITH THIS CREDIDTOR I AM REQUESTING TO PLEASE REMOVE OFF MY CREDIT REPORT I TALKED TO THE COMPANY A FRAUD REPRENSATIVE STATED TO ME I AM NOT RESPONSIBLE FOR THIS ACCOUNT PLEASE EXPEDIATE THIS ACCOUNT
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Please be advised that attempts to return the vehicle to XXXX XXXX, where it was original leased from, were made on XXXX XXXX, XXXX ( the due date ), and again on XXXX XXXX, XXXX, and each time Toyota refused to accept delivery of the vehicle. On XXXX XXXX, XXXX, we went to Toyota to return the vehicle, as per the Toyota employee 's instructions. XXXX XXXX refused delivery and told us that the leasee must be present at the time of delivery to sign certain documents for the dealership to accept delivery of the vehicle. We told him that Toyota representative was advised leasee was out of the country ( days before the due date ) and she confirmed that the leasee did not need to be present when the vehicle was being returned because the leasee was not interested in purchasing the vehicle. XXXX response was ( she ) does not have the authority to make such decisions therefore it was irrelevant and we were told Toyota could not accept delivery at that time. On XXXX XXXX, XXXX, we contacted Toyota to advise that there was an executed a Power of Attorney authorizing her agent to sign the forms and return the vehicle on her behalf. On XXXX XXXX, XXXX, I went to Toyota with the original Power of Attorney to deliver the vehicle, as per XXXX instructions. I spoke with XXXX and advised that I had Power of Attorney and was legally authorized to sign whatever forms to return the vehicle. XXXX refused to look at the Power of Attorney, and further stated that Toyota was not legally obligated to take back the vehicle at their dealership and his boss was the person who would decides if they will take the vehicle back. I asked what the alternative was, XXXX refused to provide any assistance. Furthermore, XXXX stated that because I had an attitude he wasnt obligated to help me. I asked him for the telephone number of the dealerships legal department so that I can fax a copy of the Power of Attorney for their review and approval and he refused, reiterating that his boss was the person who needed to make the decision. I advised that I would like to have my attorney contact his boss to confirm my legal authority to act on behalf of my mother, he said that I was threatening him with lawyers and didnt like my attitude and proceeded asked me to leave the premises. Upon being asked to leave the premises I contacted the bank, XXXX, to ask for assistance returning the vehicle. XXXX in the XXXX XXXX Department advised that although the lease agreement between Toyota and the Leasee may not specify the exact place that the vehicle is to be returned at the end of the lease, the agreement between Toyota and XXXX does state that Toyota is contractually obligated to accept delivery of the vehicle at the end of the lease term. To date, I still have possession of the car, it is overdue, and the bank has had to intervene on my behalf to get them to fulfill their contractual obligation to myself and the bank, XXXX.
Consumer complaint received 2017-11-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Advantage LNS Inc. (DC)

XX/XX/2017 I called to the office the lady stated I owe a balance and I need to pay before she sue my XXXX she stated I will be homeless and will not be able to rent anywhere else .I stated I lost my job she said so what that 's not her problem and stated I do not get people like you .I stated I 'm trying .I called the apartment development to talk to the lady XXXX XXXX and she told me its nothing she can do because its already with collections you need to talk to them .I told her I did and national credit audit was rude. XXXX XXXX Said its nothing she can do.so its a collection of {$10000.00} on my credit report.
Consumer complaint received 2017-12-30
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: CORELOGIC INC (GA)

On Thursday XXXX XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The following account is fraudulent and unauthorized : XXXX XXXX XXXX, I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Review attached document. I never applied for a XXXX XXXX personal loan. The account is not mine. Its a fraudulent and unauthorized account. My correct date of birth is : XX/XX/XXXX. There person who opened the fraudulent account had a state drivers license in my name, with a picture of me with the date of birth of XX/XX/XXXX.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I received notice from my credit reporting agencies regarding an account with XXXX. This account was closed over ten years ago at my request. All statutes of limitations have expired on this account and it is against the law for this to be appearing on any current credit reports. XXXX has falsified contact and payment information starting in XX/XX/XXXX in order to continue damaging my credit and increasing the amount of this falsified debt. XXXX had refused to remove this from my credit reports. Furthermore, all three agencies ( XXXX, XXXX, Experian ) are still reporting this expired debt. All of my attempts to remove this negative report have been ignored by XXXX as well as the three credit reporting agencies and they continue to violate fair credit reporting laws. XXXX is a predatory lender and a simple XXXX search on the internet will reveal how many military personnel and their families have been hurt by this company. XXXX went so far as to contact me after I had been XXXX XXXX in order to establish this account with me. It clearly states in their own policy that XXXX accounts are for active military personnel only. I was approached while undergoing medical treatment at a VA hospital and should never have been solicited in my medical condition to open an account as a veteran. Upon closing my account, and attempting to set up a reasonable repayment plan, I was denied, and they immediately reported it and refused all attempts by me to remedy this debt. My final contact with them was in XX/XX/XXXX and I have had no further contact by telephone, text, email or US postal service. However, they continue to falsify credit reporting statements with fictitious statements regarding payments and communiques. This allows them to continue to report what should be an expired debt.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXXXXXX  Bal. {$0.00}, XXXX XXXX XXXX.Account # XXXX Date opened XX/XX/XXXX Bal. {$0.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$710.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$700.00}, XXXX XXXXXXXX XXXX.Account # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX.Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXXAccount # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX 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 2017-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX/XXXX/XXXX, I attempted to purchase dinner at XXXX XXXX for {$42.00}. My debit card ( ending XXXX ) was denied twice, even though I had {$370.00} approx. funds on deposit. I then used my debit card from my daughter XXXX XXXX XXXX XXXX account ( ending XXXX ), in which the entry was approved. When I called XXXX, they told me there could be a series of events that could flag as my card for suspicious transactions. That would make perfect sense if I had made several transactions. This was not the case. I would even understand if the transactions were in larger amounts than normal, which again was not the case. On XXXX I used the work vending machine {$2.00}. XXXX, I used XXXX ATM and transferred {$110.00} to my daughter 's account ( I transfer funds every month ) and paid my XXXX XXXX. On XXXX, purchase at XXXX {$5.00}. These series of events flagged my card as suspicious?!? 

It is horrible that XXXX, who is a multi- billion dollar FI is denying transactions that does n't even sum up more than the {$50.00} of the minimal liability of a REG E claim!!! 
This is horrible. Why should customers be denied for transactions for such small amounts, and embarrassed and then having to clear up an misunderstanding with them when there was not misunderstanding ... again, I had the funds on deposit!?! 
This is NOT good business and lousier customer service!
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

On XX/XX/XXXX I sent a letter to National Credit System ( Account # : XXXX ), disputing the debt as they have been reporting this item on my credit, however this account was unauthorized and is a result of identity theft. 

They received the letter on XX/XX/XXXX. I concluded their receipt via USPS certified mail ( Tracking # : XXXX XXXX XXXX XXXX XXXX ). It is now XX/XX/XXXX, 53 days since they have received the dispute letter and I have yet to receive a response from this company. 

This is an unfair practice as they have ignored my direct communication with them. They are reporting an item that I did n't authorize on my credit and this is preventing me from moving forward with credit purchases. 

Because of the nature of this item, I requested some type of proof of the original business transaction that binds me to this debt. This is well within my rights according to the Fair Credit Reporting Act. I have n't received anything, and the item is still reporting to me credit. 

Please hold this company accountable immediately.
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (CT)

I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.
Consumer complaint received 2017-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NC)

When I canceled my XXXX account in XXXX I had not agreed to a new contract for XXXX years. I brought my last phone on line and paid cash. When I called to cancel, I was told I would have an early termination fee and I requested a copy of the contract I had agreed to so we could resolved the issue, and I never received the contract. I disputed the information on my credit report in XXXX XXXX and they said the information was correct but still has not provided the last contract that I requested to prove the debit was legit. Only thing I got from XXXX is a bill for {$380.00} with no break down of the charges. I understand that XXXX was upgrading their system here in XXXX NC but the lack of service and the constant drop calls were killing my business. I was with XXXX XXXX for XXXX years and dealt with a lot of changes but never pictured they would not give me the proof that I was under contract.
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MD)

Violation of PayPal 's policy on custom painted items. Unfair/no grounds for account limitation. The reason provided is excessive risk. 
Hi, my account got limited without any proof that the bags I am selling are not authentic. Also, PayPal granted a refund to the buyer for the custom painted bag while, according to PayPal 's policy, custom painted items can not be returned. I did speak with PayPal representative who confirmed that as well, but my account got limited the next day through the automatic reply. All of the bags I 'm selling are authentic XXXX XXXX bags that I legally and lawfully buy and own, then customize and sell. A customer who opened a claim against me has had the bag for XXXX months, then opened a case against me on PayPal that it is not authentic. XXXX has a policy that if the buyer claims the bag is n't authentic, they have to get a certified copy from the store that it 's not authentic. Instead of looking into this claim thoroughly, my account got limited. I have sold over 100 bags through XXXX, XXXX, XXXX, XXXX, XXXX, and my website. All of these platforms never had a problem with me selling allegedly counterfeit items as PayPal assumed and never limited my accounts. I am only selling authentic XXXX XXXX bags, and not only bags by this brand, but also by other brands. Please look into this issue instead of sending automatic replies. Thanks, XXXX Account ID : # XXXX
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX, XXXX and Experian has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX