davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (FL)

I received a phone call from this company, P & B Capital, LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1200.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CL Holdings LLC (CA)

In XX/XX/2022 I was surprised to find out that I was rejected from being able to accept the student loans that I had qualified for in order to send my daughter to college. This was a shock considering I am a single working mother with one job of over 28 years, and no debt at all except for a mortgage. I only have one credit card that I use, and I have no outstanding debt at all except my mortgage. I pay all my credit card statements in full each month, so there is no debt in my name. I asked for a full credit report from XXXX XXXX to find out why I was rejected. I was shocked to find that the report showed a name on my credit report that was not my name ( they have since taken off ). In addition, the report showed a phone number that I don't recognize. I have some credit cards that were issued in my name from XXXX including a debt collection agency ( Jefferson Capital Systems ) that has tried to get {$4200.00} from an unpaid XXXX XXXX account XXXX even though I have never had the credit cards named, nor have I I never had a XXXX XXXX account XXXX I issued an immediate investigation by XXXX XXXX and in XXXX I was told that the report was accurate. I have tried contacting Jefferson Capital Systems and have been unable to even get into their system. I also contacted my family financial advisor and she was unable to give me any names of people or companies that may help. I hope you can help to investigate further how these accounts were issued in my name and remove them from my credit history! Thank you.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

Today a thief gained access to my account by making ATM withdrawals from a XXXX in XXXX, GA. They got away with {$800.00} of my XXXX  XXXX money. I can not pay my mortgage. I disabled the card, reported it to the bank, and made a police report. 

My issue is when I called Chime/XXXX a supervisor, XXXX, was rude and dismissive. The bank can not tell me how an ATM withdrawal was allowed without using my card or my PIN number. NO ONE knows my PIN number so even with the card number I dont understand how this was possible. I was told I would have to wait to have my funds returned to the account but XXXX would not provide a timeframe for completion. I asked to speak with a manager over XXXX and the Chime employee told me he had no boss and signed his own checks. 

I am a XXXX Veteran and the money stolen was my XXXX  XXXX check to pay my mortgage and bills. I need my money returned and a explanation on how the thief got access without my PIN number. 

This company has received hundreds of similar complaints but no one seems to be doing anything to stop them from this illegal activity. If someone can access my account from an atm without a card or the PIN number how can one ensure the funds are secure.
Consumer complaint received 2022-03-14
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. (GA)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$820.00} XXXX : XXXX -- -> : {$550.00} XXXX : XXXX -- -> : {$460.00}
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX {$1100.00}, XXXX {$750.00}, XXXX XXXXXXXX {$2400.00}, Debt Rec Sol {$650.00} and Debit Sol Rec {$820.00}
Consumer complaint received 2022-11-26
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: Block, Inc. (CA)

On Saturday, XX/XX/2022 I visited a website to purchase ( XXXX ) tickets for a XXXX concert event. The total cost was {$370.00} ( USD ). Upon the payment confirmation page, a dialogue box appeared that indicated I would receive a confirmation email as well as the tickets to enter the event that I would, specifically, need to print to enter the event. The confirmation email never came on that date or any other date after that date. 

The merchant appears as XXXX XXXX XXXX LL on my transaction history. 

I made this payment with my CashApp XXXX. I immediately contacted CashApp on the same date because I was unable to reach any listed number or email with the event organizers. I knew I needed to contact CASHAPP because the event had started and the payment still showed pending. Without proof of the tickets or email, I was not going to be able to enter the event. 

I have contacted CashApp Support on the following dates with no resolution : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 CashApp support representatives have been giving me the runaround since that date. I have followed up with them over a dozen times and they continuously tell me that my issue is being escalated. They never provide any updates on the investigation, nor have they credited my account for the amount taken.
Consumer complaint received 2022-11-26
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. (IL)

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. 

XXXX 's XXXX  : # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-14
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. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-11-27
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. (NC)

in accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX Account number 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 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I opened a credit card through Zales several years ago. The card is managed by Comenity and I attempted several times to have the account closed out after paying off the full balance. I have been told twice now from the customer support for them that all my balance is paid off and that the account is closed. I have been notified for a third time that I have missed payments due to account interest. I have spoken with the customer support for a third time and they are still trying to get me to pay interest charges before the account can be considered in good standing. I have alread paid off the full balance twice for this reason and despite being given assurances that the account is completely closed out and no further interest charges will be added, they continue to do so. 

On XX/XX/XXXX I paid the remaining balance of {$3900.00} to set the total balance to {$0.00} and spoke with a customer representative to ensure the account was closed and I wouldn't receive additional interest charges. I received a call 2 months later claiming I had a balance of {$150.00} due to missed payments and interest. I then paid that balance and was told that everything was in good standing and the account was considered closed. 

2 months later I get another email claiming I have two interest charges for {$2.00} each and a late payment charge for {$2.00}. I tried speaking with customer service again and they refuse to allow me to speak with a supervisor and refuse to have a supervisor call back and want me to call back later.
Consumer complaint received 2022-10-26
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)

In accordance with the XXXX XXXX XXXX XXXX this creditor has violated my rights under 15 U.S.C. 1681 Section 602, states I have the right to privacy, 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (IL)

Equifax is not showing the correct information on my credit report. Over the past several months i have filed multiple disputes with Equifax explaining to them that the information on my credit report is incorrect. Due to misinformation from XXXX XXXX  my mortgage holder I received late payments for XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX has acknowledge the error and agreed to suppress the late payments for XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX and XXXX have already made the correction and suppressed those months, but Equifax has not and are still showing late payments for XX/XX/2022 and XX/XX/2022. Their last response to my complaint did not make any sense nor address the issue. In this complaint I attached a copy of the letters from XXXXXXXX XXXX stating that the negative missed payments for XX/XX/2022, XX/XX/2022 and XX/XX/2022 should be suppressed on my credit report. In addition, I am including screenshots of the XXXX XXXX account that shows on my XXXX and XXXX, showing that they have followed XXXXXXXX XXXX  resolution of the situation and suppressed the negative payments for those months. I will also include my original complaints as well. I am asking Equifax to correct the error and suppress the late payments for XX/XX/2022 and XX/XX/2022.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I noticed on consumer credit reports that theres unauthorized inquiries on my Transunion, XXXX and XXXX reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois XXXX XXXX XXXX XXXX website was breach by hikers and important information was breach
Consumer complaint received 2022-10-26
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: Consumer Portfolio Services, Inc. (CA)

Upon receiving my credit report, There is currently an unauthorized inquiry from Consumer Portfolio Services reporting on my consumer report dated XX/XX/21 and I demanding it be deleted. 

Pursuant to 15 USC 1681b ( f ), a person must have permissible purposes to access my consumer report. Considering that this company is a debt collection company there is no reason for them to have accessed my report without my written consent or without a permissible purpose. This is a n invasion of privacy for anyone to be able to access my report. 

XXXX furnished this report to the debt collector and failed to verify why they needed access to my report and provided all of my personal information to them. 

Consumer Portfolio Services used my personal identifying information in order to access my credit report which I never provided consent to and I had no knowledge of until now.

Having this inquiry reporting on my consumer report is causing me great financial harm and having this reporting is lowering my credit score.

I demand that this inquiry be deleted immediately and I am also demanding the reason that they accessed my report in the first place.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (TX)

Midland mortgage company in Oklahoma, has multiple times reported incorrect information to our credit reports. I have reported to the XXXX and it was fixed for a short period of time then it was all removed. My score has dropped to the XXXX from XXXX because of it. I looked at the reviews online for this company and there is over XXXX consumers complaining about the same problem. Our mortgage was sold to them during Covid. Since they have destroyed our credit it has cost us tons of money! The hit to our credit is now preventing us from refinancing with a different company. I am contacting a lawyer! They have already been sued!
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2022, I called customer service to discuss the benefits of my card, how the process works for receiving limit increases, and why I might not be receiving any offers for conversion to their XXXX program. 

As a customer for over XXXX with good payment history, and a {$23.00} balance at the time of the call, I expected to have a conversation with the representative, but instead the representative CANCELED MY CARD within 30 secs of getting on the phone. 

I explained that I have called customer service in the past and generally have had poor customer service ( i.e. disputing records on my credit report, requesting letters, etc... ) and that I wanted to discuss options or otherwise I would consider closing my account. The rep then said there's nothing she can do, put me on hold and CLOSED THE ACCOUNT without further explanation of how to pay the balance, or if I would receive an email confirming changes. 

I DID NOT WANT TO CLOSE MY CARD OR ACCOUNT AND IMMEDIATELY CALLED BACK IN LESS THAN AN HOUR. 

There was no written communication showing the account was closed so I called customer service ( who was extremely nice this time ) and I explained that I simply had remorse over cancellation and would like to keep my card if possible. Again, in less than 2mins on the call and a brief hold, the representative said there's nothing he can do and if I would like to reopen I can apply for the card again. It feels like it must be some benefit to them to force me to open a new line of credit. 

My XXXX XXXX is XXXX with XXXX and XXXX with the others, household income $ XXXX, and I was an active ( spending ) customer for XXXX XXXX, with not even " we hate to see you go '' or a full explanation of their policies or practices when closing an account.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX, I received a copy of my credit report, and as of XX/XX/XXXX ACCT : XXXX is reporting as valid and active. Upon further research, I found that sensitive personal data had been breached. My XXXX consumed me with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; especially on the count that I have never gone into a car dealership to apply for any auto loans or received any financing for a vehicle of any kind. Moreover, I currently do not own a vehicle at all. I contacted several dealerships and inquired about this issue at hand and the representatives informed me that, there is no way that a situation like this should have even occurred. Since confirmation of this fraudulent activity, I have tried my very best to get this removed and blocked from my credit report. With many failed attempts via phone and mailed in letters. After notifying the consumer reporting agencies ( XXXX, XXXX and XXXX ) of this issue this item was not deleted from my consumer file during the 30-day investigation period. In which is not in compliance with 15 US CODE 168i ( a ) ( 1 ) ( a ). Then after the investigation was completed and allegedly verified without issuing proper written notice of resources used to verify said information to I, the consumer per 15 US CODE 1681i ( a ) ( 6 ). I have experienced a tremendous decrease in my credit score which has led to other hardships. It has been impossible to now get fair financing without extremely high interest rates for adequate vehicles and housing approvals for my family during the pandemic. My work schedule varies and child care facility not close to my current address and work finding reliable transportation has been troublesome. Not being able to get approved and obtain my own vehicle or safe housing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With plenty financial distress to no avail this issue has still not been corrected by CAPITAL ONE AUTO FINANCE, XXXX, XXXX and XXXX.