davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
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. (NY)

Tried to obtain my credit report through XXXX. When asked to verify my personal information none of the information presented was correct and it would not confirm my identity. I strongly suspect my identity has been stolen and I need the credit reports to assess the extent of the identity theft in my name.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX ; XXXX and Transunion should not be reporting a balance of {$390000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXXXXXX XXXX XXXXXXXX XXXX XXXX needs to report a {$0.00} balance. This duplicate reporting of a balance due is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus, as well as XXXX to fix this however, I have not been successful.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. PXXXX XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX/XXXX XXXX {$1600.00}
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (TX)

Hunter Warfield company been contacted me and my family several time to collect the pending due for balance submitted by home leasing company ( XXXX XXXX  ) we were staying there. 
I told them that the home rental property is charging us unnecessary money and we did pay the one month penalty while leaving the apartment. But Hunter Warfield collecting company continusaly harrased us and troubled us in this kind of COVID-19 situation where people are struggling to live for life. I explained them my situation but they did kept calling without understanding our job, family and financial situation. Now they have reported to credit companies which cause damage to our credit history. I want them to remove negative mark to our credit report, this will struggle us a lot. We hope you make them to track back negative reporting to credit companies. 

XXXX
Consumer complaint received 2020-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PROSPERITY BANCSHARES, INC. (TX)

This is a new complaint that I put to Prosperity Bank citing a demand I received in the mail and verbal threats that I received that I would be charged a {$35.00} over draft fee for my account going under XXXX balance by slightly more than XXXX cents ... I was told by XXXX XXXX that due to this being an error on the part of Prosperity Bank since I had already opted out of over draft protection to avoid the problem of overdrawing and overdraft fees ... That the overage was an error on the part of Prosperity Bank not my error ... I ask that this also be looked into in terms of ways Prosperity Bank terrorized me treated me like trash by threatening me on numerous occasions with over draft fees putting great pressure on me for mistakes made by Prosperity Bank ... This put their own employee XXXX XXXX in a very terrible and awkward position ... To say that Prosperity Bank acts in an egregious manner towards their own bank account holders and their staff is an understatement ... Also the day I asked for help with faxing my pay stubs to social security I was told by staff including XXXX XXXX that Prosperity Bank does help with small business matters pertaining to funds that are in their bank ... Therefore my request to fax my pay stubs for funds from my job that at the time were deposited into Prosperity Bank falls under that category and is not personal business ... I see fit to set the record straight and to stand up for myself ... I ask that Prosperity Bank Cease and Desist blaming their own employees for their mistakes and to stop putting small individuals like myself in very awkward positions setting ones like me up to fail at every turn ... Instead of de escalating this situation ... Prosperity Bank sees fit to paint me in a bad light as if I am a terrorist and makes a very vile effort to lead me like a lamb to the slaughter in this war of words ... It is awful ... In light of Prosperity Bank 's history of aggression towards me via many threats to charge me with over draft fees including verbal abuse by citing their policies at times that were not necessary and in light of how this bank has chosen to try to pin their mistakes on XXXX and their own employees and in the process also trying to lead me a very small individual bank account holder to the XXXX ... That's enough Prosperity Bank needs to cut this out they are out of control ...
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

My vehicle got tolled by mistake three times in one year. The vin number of my car is connected to another bank which Im not a customer and they keeping repossessing the car. My payments are made on time. This is a frustrating situation. The dealership didnt help to verify this problem and fix it. 
This happened three time in one year lease and I would like to take action.
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLIANT CREDIT UNION (OR)

I decided to work with Alliant Credit Union as my mortgage lender after shopping around and comparing disclosed estimates for rates and closing costs. After saying " no '' other lenders and declaring my sharing " intent-to-proceed '' with Alliant, they came up with a 6-month cash reserves requirement under the name of " guideline ''. This was never part of any verbal communication or any loan estimate form.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Home Loan Center, Inc. (NJ)

In XXXX I was considering refinancing a vehicle I have since paid off. I filled out the LendingTree online form to view LendingTree 's prospective offers for an auto refinance loan. An individual by the name of XXXX XXXX from a LendingTree partner, XXXX, contacted me on the morning of XX/XX/XXXX over texts. I was not interested to refinance at the time - I was just looking at prospective offers. I opted out explicitly over texts and told him I may refinance in 1.5 months, of which I have proof. Prior to reaching out, on XX/XX/XXXX he sent my application along with my Social Security XXXX to yet another company ( not a LendingTree partner ) called XXXX 's XXXX XXXX XXXX that pulled a hard credit inquiry on my file. I found this out very late on XX/XX/XXXX. I'd like to state this business has qualification requirements to meet to be able to even take a loan from them, found on this site : XXXX XXXX XXXX   XXXX XXXX. It is correct to assume I have no such qualifications. I have two issues : 1 ) if I do not recognize or know you as a business, do not touch my credit file, and 2 ) LendingTree 's false advertising on XXXX XXXX XXXX XXXX XXXX  " When you find a lender that meets your needs and is able to offer a competitive rate, contact that lender and get the refinancing process started. '' This statement is false because the refinance process was already started prior to the XXXX XXXX reaching out.
Consumer complaint received 2020-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
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 2023-04-17
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. (NJ)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXX, and XXXX XXXX XXXX XXXX XXXX acct # 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 an account without my written instructions or signature. 

Also I filed XXXX affidavits with the FTC and the reference numbers is as follows : XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

Santander usa, made arrangement with me on this loan, and then repoed the car, they would call my phone and tell me that I was going to XXXX  if I didnt pay my car note, they would call all thru out the day ring my phone and hang up and then call back and ring phone and then when I would tell them I spoke with someoen they would hang up on me. I had moved to Georgia when I purchase the car they didnt update my new address they kept sending stuff out of state which I resided in XXXX, GA never sent me an 10 days notice to pay the bill, or 10 days notice for my rights to get the car back, they kept all my items and sold the car. Then sent me a bill for the same amount of the car saying I owed it. When I asked them to provide me the information on how much they sold the car for and copy of my 10 days notice to regain the car back i never got any information from them. They kept hanigng up the phone on me and never trying to resolve the account except I owed. TO date they are reporting me negativly to the credit bureas on the car as though Im late and they charged this account off years ago. I demand they remove this from my credit report.
Consumer complaint received 2020-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/20 funds were issued through employment security Commission and i had to call and update info to get new debit card. I found out later that i could possibly get emergency funds so i would have money for a motel while i waited for card to come.the rep said she filled out application and just had to get approved by supervisors. She had my phone number in case of disconnect and 2 hours later i get disconnected and when i call back my card has been blocked because of her mishandling my account.i was on the phone until XXXX with NO luck and i was told it voided new card also. Im not happy and can't tell anyone in fear of being disconnected repeatedly.i am being punished for her mistake and they do not have protocols in place to insure customers don't have to deal with this. I am just so mad at B.O.A because i need my funds. Thanks for any help you can give me sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-28
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. (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection
Consumer complaint received 2020-06-22
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. (FL)

On Saturday, XX/XX/XXXX, I applied for XXXX XXXX, a program where one is given an installment loan on a XXXX cell phone. When applying you are submitting an application with XXXX XXXX. I submitted my application and knowing my credit score was over XXXX I thought I had no problem getting approved. I was then informed to call an XXXX before my application would be approved. I did so and the agent told me that my application was being escalated to another department for approval. I then received a call from XXXX XXXX   asking to call back, which I did and I was told they would have to run my credit a second time in order to make a determination. I informed them this would hurt my credit since it would be another " hard pull '' on my credit report, and I did not understand why they needed to do this. I was informed that they had to and they knew it would hurt my credit score but it was required. I have worked very hard to increase my credit score and knew this would negatively affect my score. After again stating I did not understand, they would not agree to proceed. This I think is illegal to pull your credit twice in a row when this negatively affects people 's credit, and for no reason. I also do not understand why XXXX uses XXXX XXXX when I thought I was applying with them. Another person would agree not knowing and be negatively affected. Either approve the application or deny, but to state they needed to pull the report a second time when it would hurt my XXXX score is not acceptable.
Consumer complaint received 2020-06-30
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. (MS)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$950.00} XXXX   XXXX {$15000.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (NJ)

I have attached a detailed complaint letter ( dated XX/XX/2020 ), please see attached. 
In summary, this complaint follows on from a prior CFPB complaint ( # XXXX ). I now have incremental information that reveals that the chief basis for my claim denial was inaccurate, or an outright falsehood, and that reasonable due diligence was not undertaken by the agent who processed the denial.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

We are stuck overseas in XXXX due to COVID-19 we are not able to return to the United States. CapitalOne chose to replace my unexpired VISA credit card, switching all cards from VISA to MASTERCARD. CapitalOne is unwilling to ship me a new card to XXXX without me providing a copy of my US passport that would remain on CapitalOne systems after the verification process is complete. There is no other way to verify my identify and to get a replacement card, while my current unexpired card was inactivated by CapitalOne because of the switch to MASTERCARD. Given the CapitalOne data loss of over 100 million accounts, I am not comfortable providing my passport information to capitalone that they retain on their systems. I can provide all other information including all information on my statements, my credit report however, CapitalOne continues to say that the current " regulations '' mean that they can not send me a new card without taking and saving my passport information on their systems.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX  XXXX {$110000.00}
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

- XXXX XXXX XXXX XXXX ran my credit but Equifax is not reporting any information to them - Being that this isn't the first time I heard this when it comes to Equifax, I called Equifax & the multiple customer service agents I spoke to showed that they are, in fact, showing a Hard Inquiry from XXXX XXXX XXXX XXXX - However, I received a copy of the Credit Report received from XXXX XXXX and learned that while XXXX  & XXXX  are reporting a Credit Score, Credit Report & Credit information, Equifax is NOT showing a Credit Score, Credit Report or Credit information.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

Collection manager, XXXX XXXX of Southwest Recovery Services, posted a debt of {$4400.00} on Credit Bureau against me after he was made aware that the debt was settled and I had already paid as agreed. 

He called at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I told him that I have settled the debt with his client and he needed to talk to them. He apparrantly did call them ; he knew the debt was settled that day ; but he went ahead and falsely reported the debt to the Credit Bureau the next day on XXXX. 

I also suspect that he has some kind of a personal relationship with the accountant of his Client, XXXX . XXXX XXXX and I have reasons to believe she helped him in this matter against me without the permission and consent of the superiors at the business she works for.
Consumer complaint received 2019-05-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHOICE CAPITAL FUND (MI)

I borrowed {$200.00} from this company and they are taking XXXX a month from my ssdi and in order to pay this loan off I will have to give then XXXX a little more just to pay them off. Is this legal? I am so in over my head, can they charge like this in Michigan? Please help!
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}
Consumer complaint received 2020-06-30
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX  XXXX {$110000.00}