davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On Monday, XX/XX/XXXX, I was notified by e-mail that Capital One Bank sent out a replacement visa card to an address in Georgia, which I never requested. I contacted Capital One and found out that they only verified my social security number and birthdate both of which are stolen. Capital one ignored the fact that I have fraud alerts with all three credit bureaus and my credit is frozen. Capital one sent me a replacement card. On wednesday, Capital one did exactly the same thing and send out a second " replacement '' to the same fake address in Georgia. Again, I called and complained and talked to supervisors. Capital one is now sending me a replacement card for the third time. I was notified today that the person in Georgia is again attempting to get a replacement card.

I have spent hours on the phone with Capital One for the last four days, I don't want to deal with them any more.
Consumer complaint received 2023-03-23
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX 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 XXXXXXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; FXXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX2022 ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX2022.
Consumer complaint received 2019-11-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (DC)

Ability Recovery Services is trying to collect a write off debt of XXXX for XXXX University. A XXXX University Instructor hid the students grade until the end of the semester. While submitting every assignment on time throughout the course, the grade reflected an A grade average without any missed assignments. Without indication that any assignments were not received by the instructor, the final grade was posted, the instructor gave the student a grade below average and refused to allow the student to resubmit the assignment. The financial aid office returned the studentss federal payments accusing the student of not completing course work causing a negative balance on the students account. XXXX University has refused to give the student an unofficial transcript and have posted student federal refunds on the account not verified by the student or validated by the course work.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-01
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. (TX)

XXXX XXXX shows experian account # XXXX was first 30 days late in XX/XX/2018. In the comments it shows as of XXXX i was delinquent. The balance they charged off shows to be XXXX but the amount they are collecting is XXXX. They cant add interest after they charged it off. My credit report has false data, XXXX different dates it was charged off and XXXX different balances. This needs to be removed from my report. 


XXXXXXXX XXXX XXXX shows XXXX was 30 days late and XXXX on another part of my report. It shows in XXXX it was charged off for XXXX but they say i am owing XXXX. Once again interest has been added. 

They also report me living at XXXX XXXX XXXX XXXX XXXX tx. I have disputed this with transunion and experian. They refuse to remove the false date.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-09-02
Product: Credit 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: NAVY FEDERAL CREDIT UNION (FL)

The credit card is open-ending and is already paid for 31 U.S. Code 3123 The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (MI)

I recently have looked at my credit report there is multiple inquirys that were not made by me.

The second thing is one of my accounts one main financial. shows a late payment and is incorrect. I called they said they would fix it but only updated with XXXX but not XXXX XXXX or XXXX. 
1 : their was a hard inquiry from XXXX. This was not done by me 2. There was a hard inquiry by XXXX XXXX done not by me 3. There was a hard inquiry by elan financial done not by me.
Consumer complaint received 2023-06-26
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I signed an agreement with XXXX XXXX XXXX owned by XXXX XXXX and XXXX XXXX. The agreement contained mutual out clause with XXXX days notice. The merchant breached the agreement and disclosed private information on XXXX in the initial weeks of the agreement, they then failed to adhere to the services purchased which was intellectual property ( XXXX Websites plus management of my XXXX XXXX ). I continued until XX/XX/XXXX to get them to honor the agreement and remove my information which was seen by XXXX XXXX people. On that day they assigned me another website drop shipping store that also did not deliver the benefits included in the statement of work embedded in the contract. As of XX/XX/XXXX the one store assigned for that week dropped down to {$0.00} and never met the stated benefit that I would receive as revenue for their service. Amex continued to say something about me being in a XXXX month agreement however as of the date of my initial request to Amex to recover the lost funds which would have been in XXXX of XXXX, I no longer have access to any intellectual property or the revenue generated. XXXX XXXX took all the stores back and the profits received or not received. 

I notified all my credit card companies and worked to recover the {$120000.00} I paid for a turnkey service. While all the other companies have refunded my money ; Amex refused to recover {$42000.00}. I've reached out to Amex multiple times after following their dispute process which should have been listed as fraud from the start and each time I provided an absorbent amount of documentation they closed the dispute in favor of XXXX XXXX XXXX. Each time I contacted Amex to send me the correspondence they received from XXXX XXXX they sent me an automated email saying check the website for secured messages. However once I notified Amex about the fraud and initial situation they replaced all my cards so the automated emails referenced my old account then the website would not show any information for the card that I replaced only the new card. This has been a disaster and while I have zero balances on my amex cards, the funds at the early direction of XXXX  at XXXX XXXX was transferred to two individual banks ( XXXX XXXX and XXXX XXXX XXXX  ). I need amex as the purchaser of record to retrieve the money back for services paid for but not rendered so that the balances at the other two banks can be paid off. I'm currently work in with a Special Agent at the FBI with regards to the felony theft and use of personal identification and cards for XXXX XXXX  but I need the government to force Amex to retrieve the funds for services not rendered especially since I put a XXXX day out clause.
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

A car was financed, repossessed, multiple credit card lines, an XXXX loans that was unauthorized by me. I was not behind any of these activities. I was XXXX  for XXXX years, came home in XXXX.
Consumer complaint received 2023-12-21
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting 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: LEXISNEXIS (NH)

I have attempted to request my free annual copy of the consumer report maintained on me by LexisNexis numerous times and in multiple methods ( online, via mail ). 

Each time I make the request, LexisNexis sends me mailed notices which claims that it is 'unable ' to validate my identity and refuses to provide the report. 

I am the only person in this country with my name and therefore do not see any legitimate reason why LexisNexis is unable to comply with the law by providing me with a copy of the report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

XXXX XXXX  XXXX reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from XXXX & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, IP address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my early warning report and XXXX that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.
Consumer complaint received 2023-08-29
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. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-06-15
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)

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (KS)

The problem I'm having with the company Concora credit is that they continually are removing my email address from my account so that I am unable to log on to my online account to make the payment, review my transaction activity. My email address is the username that I have to use to log on to my online account to make a payment look at my transactions and all account activity. I have an open active account with Concora Credit and the name of the credit card is Destiny MasterCard, this is the card that they are preventing me from looking on my online account by continually removing my email address and preventing me from logging on. I've called customer service several times and they have added my email address back on only for when I go to log that on to schedule a payment or review my billing statement the email address is not on file again. I contacted customer service today again XX/XX/year> and spoke with XXXX a customer service manager, employee ID DIW. I requested from her that she please add my email address back on so that I can logon to my online account to schedule a payment and review all activity on my account. She informed me that she can not do this because there is a note on my account stating that I have an attorney which is in no way at all true there is no attorney and I do not have an attorney against this company whatsoever. She said it is company policy that they can not add my email address on when there is an attorney on file which there is no attorney on file. I asked her if she could give me the attorney 's name and she could not she said she did not see one I asked her for the policy where she could not add my email address on and she could not give me that either. I'm requesting that this be looked into to see why they are preventing me from logging on to my online account it is an active account I make regular payments and is an open account. They continually remove my email address once I have placed it back on in the past and then today they would not even let me add it back on so that I could log on to my account.
Consumer complaint received 2024-05-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is furnishing information on my credit report for account XXXX which violates the FCRA. This account has been closed and is past the statute of limitations which makes the alleged debt uncollectible. The statute of limitations in the state of Texas is 4 years. There should have been a balance of {$0.00} reporting, but Capital One is furnishing a balance of {$670.00}. I am not asking for the account to be XXXX out, I am requesting that this account is deleted from my credit report due to false and misleading information. Furthermore, the credit reporting agencies are reporting different information for the date last active. Had I not caught this, Capital One would still report a balance. I will be seeking legal action if this account is not deleted within 30 days. I will attach the account for your reference.
Consumer complaint received 2023-12-21
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. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 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 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION (TX)

Issues : taken too much in interest. additional amount not applied to the principal. I have made. XXXX payments above the required amount. I understand it depends on the date for the amount of interest to be taken. in my case most of my payment we made early. I'm now upside down on my loan that I put a big down payment down so I wouldn't get upside down. I was looking to sell this item to pay off the loan and that's when I discovered these issues. The last 5 payments they have taken all for interest. Because of that I have not made a payment and will not until they start applying to the principal. I have run the numbers through a loan calculator and I'm coming up with a much lower payoff amount. I'm not a bad guy I pay my doubts, but I will not be taken advantage of by big corporations.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

PROGRESSIVE MGMT SYSTE is sharing my nonpublic personal information with no affiliated third parties XXXX, XXXX, & XXXX. PROGRESSIVE MGMT SYSTE does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting to XXXX AND XXXX that there is high credit limit of {$1100.00} and a balance of {$1400.00}, I did not make any purchase or payment agreement to this company. The information they are providing to consumer reporting agencies is incorrect and damaging. They are violating my right to privacy as a consumer, by reporting inaccurate, false, damaging, information to the consumer reporting agencies. They are violation of multiple federal laws.