davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc. (NY)

On XX/XX/24 I saw an offer to apply for an Avant card on XXXX It was advertised to say " check if you are are eligible ''. I clicked through the process and was then told I was approved for a card. This process was misleading and did not represent was advertised. I immediately received emails that the card was on its way. I called Avant and explained that I did not want the card and what had happened, and asked for it to be closed, and to have the account and hard credit inquiry removed from my credit report. I was not given much assurance anything could be done about this other than closing the card. I am putting the last XXXX digits of the card under the Card Number field as I do not have the full account number.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This marks my initial attempt to convey that I've fallen victim to identity theft. I raise concerns regarding certain entries in my documents stemming from this crime. These entries I contest bear no relation to any legitimate transactions I've initiated or authorized, involving no acquisition of goods, services, or funds. If overlooked, I request the removal of any significant information in my credit record associated with suspected fraudulent activities or deceit. 
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 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 XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has not lifted my credit freeze for over a month it was scheduled to drop XXXX around XXXX but it was never lifter, I called multiple times and reached out to customer service through chat, each time I gave my information and was told my freeze was removed but its not removed i have emails from places Ive applied to stating that my credit is still frozenthis is negatively effecting my earning opportunities, please tell them to fix the issues and remove my freeze now and notify me about it as well or im taking legal action, Ive had enough of this. ive filed multiple complaints already that have not been yet resolved, I have enough basis for a court case.
Consumer complaint received 2023-05-20
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. (NC)

I tried to resolve the wrong and incorrect information on my credit report ; I call the companies and credit agency fraud identity theft departments for XXXX, Equifax, and XXXX credit agencys to dispute and remove hard inquiries do to identify. Filed claim with FTC and submitted dispute to all three credit bureau only one has process my dispute which is XXXX the other two showing investigating complete when no investigation was done and nothing was removed or resolved from XXXX or Equifax. The following inquiries are showing on my credit report do to identify theft need to be removed from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am relocating to another state, applied for a rental house and I was denied. 
My credit score use to be over 800, and now it is in the low 700s, drop of a XXXX points. 
Would like to know the reason for that. 
I am retired. Please help me with this issue! 
Thank you, XXXX XXXX
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am writing to file a formal complaint against Capital One regarding the inexplicable and ongoing security block on my bank card that began on XX/XX/year>. The bank 's lack of transparency and failure to resolve this issue has left me frustrated and unable to access my own funds. 

Complaint Details : Description of the Issue : On XX/XX/XXXX, I discovered that my bank card was blocked. Upon contacting customer service, I was told the block was due to inactivity and that verifying my identity would reactivate the card. Despite this, all my purchase attempts were declined. When I called again, another agent claimed the issue was due to " high security '' settings on my account, yet the card continued to decline transactions. 

My third call was even more infuriating. The agent could not specify the reason for the block, citing a vague " unknown security block '' that could last hours, days, or even months. This lack of specificity and resolution is unacceptable. As a result, I had to wire my money out of the account just to access it, incurring additional costs. 

Efforts to Resolve the Issue : I repeatedly called Capital One between XX/XX/XXXX and XXXX, XXXX seeking a resolution. After wiring money out, I requested reimbursement for the wire fee, but this was denied. Each agent I spoke to provided a different explanation, none of which resolved the issue, leaving me without access to my own funds. 

Conclusion : I am deeply dissatisfied with Capital One 's handling of this situation. The inability to access my own money, coupled with the poor customer service I received, is unacceptable. I trust that the Better Business Bureau and the Consumer Financial Protection Bureau will hold Capital One accountable and assist in resolving this matter promptly.
Consumer complaint received 2023-01-01
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. (UT)

XXXX XXXX has been reporting to all three credit bureaus that I owe money to them. They have reported payments charged off and late payments. Their collections company, XXXX XXXX also is reporting the same thing. 
The problem is the vehicle that they said was not paid and charged off, was stolen. My insurance company paid the loan in full directly to XXXX. I have turned in the paperwork to all three credit bureaus and they all have said that XXXX has verified that the information is accurate. Yet, when requested I have never been sent backup documents to prove that XXXX has any information.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (KS)

I was misled and wrongfully charged at XXXX XXXX  monthly maintenance fee on my XXXX statement when on the bottom of the XXXX statement where it specifically States " please note '' on the second part of the paragraph it says if you wish to avoid being charged a monthly maintenance fee you must close your account before the end of the current billing cycle which I did I close it on XX/XX/XXXX and the end of the current billing cycle was XX/XX/XXXX. Once I close the account with the representative at surge customer service I specifically asked her if I would be charged a monthly maintenance fee and she said I would not. Also when it asks for the credit card number I only put the last XXXX of the credit card number I no longer have the card once I close the account I destroyed it.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (AZ)

I have tried several times to make payments on this credit card, today XXXX of month, my payment is due the XXXX. Before their ridiculous XXXX deadline, it stated my payment would be posted on the XXXX. This would be the third time they have slapped me with a late charge, the first time was because I submitted my payment at XXXX. They are Eastern time, I live in Arizona. I can't make an online payment the day it's due? I want my late charges refunded because I don't believe this is a fair practice at all.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (FL)

XXXX XXXX XXXX ACCOUNT # XXXX this company sent me a validation of debt with proof that they are reporting inaccurate and incomplete information to different credit bureau. The credit bureaus they are reporting to all have different inaccurate and incomplete information. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

This creditor is in violation of 15 US code 1692J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2018-07-29
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)

I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. XXXX   XXXX ( Equifax, XXXX ), XXXX ( Equifax, XXXX, XXXX ), XXXX ( XXXX ), XXXX XXXX ( Equifax, XXXX, XXXX ), XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX ( Equifax, XXXX, XXXX ), XXXX ( Equifax, XXXX, XXXX ). I am acting on my own behalf and  need help with this.
Consumer complaint received 2023-06-30
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: Synovus Bank (IN)

I filed a dispute currently the company was first progress. My score just went up saying the payment was made. I got my XXXX something points back. The next day my points dropped back down saying I'm more than 30 days late when I already paid them
Consumer complaint received 2024-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-01
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. (AZ)

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX, XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for.

I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay.

According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt.

XXXX  out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Equifax detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referenced the Fair Credit Reporting Act Section 605B in my correspondence to Equifax and requested that the fraudulent accounts be blocked pursuant to federal law. Equifax did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Equifax continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Equifax continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in XXXX ).
Consumer complaint received 2023-01-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc (IL)

After receiving five letters back to back from UNITED RESOURCE SYSTEMS I responded to all letters with the reason and information that the amount you have sent is wrong and I am in contact with XXXX XXXX ( the company referred the matter to United Resource services ) company to resolve it. 
I explained to United Resource Systems that my former employer did not pay my wages and entitlements and as a result, I am disputing their bill. 
I even sent two times my communication with XXXX to United Resource Systems to show them that I am trying to reach out to XXXX XXXX XXXX to sort out the response. 
They did not respond to my requests. However, United Resource Systems reported a disputed bill to Credit Reporting Agencies. I even contacted United Resource Systems and after clarifying the nature of the dispute I asked them to remove the incorrect credit reporting. They did not take action and just keep sending the same letter over and over. 

On dates XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I have reached XXXX and United Resource Systems by mail and on three occasions by phone during that period to try to solve the matter. However, they chose not to respond and report the disputed bills to Credit reporting agencies to damage my credit score and consumer report. 

The disputed bill is {$2000.00}
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/2024, I logged into my online banking and found that the information for my XXXX account had disappeared, and my debit card was subsequently declined. I contacted the customer service department of my financial institution for assistance ; however, they were unable to resolve the issue. The language barrier with the overseas representatives necessitated multiple attempts to communicate effectively. Ultimately, I was connected to a representative from another department who, unfortunately, also lacked the necessary knowledge and proficiency in English to assist me, and no translation services were offered. This lack of support from the financial institution has led to severe financial distress for me. It appears that the institution may be infringing upon my rights as stipulated by the Electronic Fund Transfer Act and the Fair Credit Reporting Act, given their failure to provide adequate assistance.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 2024-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (GA)

I had a Wells Fargo mortgage from the period of XXXX. I believe I am in the class action lawsuit for how Wells Fargo treated mortgage accounts. Inwas never notified. A couple weeks ago I got a letter from them saying that there had been an error on my account back then and to call about it. I did and was told that this had nothing to do with the class action settlement for mortgages but that they made an error on my mortgage escrow account back then. I spoke to XXXX in mediation and she was not very happy with me asking about the class action suit which makes me think with timing and what happened I may be a claimant in it. I also have reached it to wellsfargo corporate and have not heard anything back yet and emailed them saying a believe I am in the settlement group but have not heard anything during that period wf kept turning me down for refinancing my loan after I applie multiple times and they kept misplacing paperwork my home almost went into foreclosure. When they did offer me a product it was a bad product with a balloon payment that I did not get out of till 6 years and many fees later. I read that this group helps people who believe they are in settlement group .my addres is XXXX XXXX XXXX XXXX, XXXX ga XXXX