davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a capital one member since XXXX. I have never missed a payment. I had fallen behind on payment. And the card number ending in XXXX. I would like to know if there is a program where it reduces my monthly minimum payments until I am able to get back on my feet. I would like to know to to please cease and desist calls letters and emails until I am able to get back on my feet. I also have a card ending in XXXX. I would like to be enrolled into a hardship program which reduces my monthly payments until I am able to get back on my feet I would like communications to cease-and-desist until I can get back on track.
Consumer complaint received 2023-12-11
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. (AZ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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. 

has violated my rights. Or list of inquiries 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 2023-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (KS)

I would not know what dates to put on here, I have filled out an identity theft package at one point, I have filed a police report, I have done all I can on my end. I called this place, not all my info matched, I did not know what the heck this place was, what the debt was for or what was purchased with it and they could not give me any information as I did not have the emails used for the purchase or the correct birthday that had been used therefore they would give me zero information. Then when applying for a home loan about a year ago this ended up affected that as this popped up on a credit report that was more visible and not visible on my XXXX XXXX credit report which was news to me!! SO since they would not give me any information I was never able to find out ANYTHING about this fraudulent debt and now have learned this is a lending company for online purchases, and these were not ANY purchases I made. I found out some had my address as a billing address some did not, some had different states, some had mine, it was clearly fraudulent according to XXXX which was one if not the only vendor that was financed, I could not retrieve all of the information but did as much work on this as I was able with out the companies assistance. I would like this resolved as this place will not assist me.
Consumer complaint received 2023-12-06
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
Consumer complaint received 2023-12-06
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. (TX)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Last year I got a letter detailing that I owed {$120.00} to XXXX XXXX Ive never signed or opened an account with XXXX XXXX I called XXXX XXXX  directly and provided the account # on the debt collection XXXX and they said it did not exist. I assumed it was a scam letter. Now its on my credit report.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I am writing this letter in order to request your help and understanding. Back in XXXX, XXXX [ when the negative items was listed ], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (FL)

On XXXX XXXX I submitted dispute letters ( and I submitted a complaint last week but it didnt go through, but I have screen shot that something was submitted ) to ask the CRAs to show me and explain their verification process and failed to and have not responded to nothing at all. The accounts I am asking for the processes are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( separate account )
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX i reported my Target card stolen. On 2 separate occasions i received 2 cards that did not offer me access to my account via phone ( i never use online ). On XX/XX/XXXX i called to pay my bill and found someone had used another card endimg XXXX and created XXXX online account with 2 payments to place the account in a negative. I blocked the account on XX/XX/XXXX, i can not access myself since. I did that, not Target as they claim. It's been 3 months of aggravated financial distress. I froze my credit bureau accounts, reported and placed hard protection to IRS and social security for this identity theft. Target claimed 1 payment was mine returned ( not true ) and that they repaid the person who hacked me. Lately i asked for some kind of compensation. They do not want to oblige. But now i received a letter cc : CFPB claiming my account was not reported overlimit to my credit bureaus. It was reported paid with the fraudulent charges {$130.00} as my balance. And another time " overlimit '' at {$5000.00}. My score was lowered placing me in further financial distress. They charged interest while this investigation was occuring. My last balance should be {$4900.00}. And i have not received a bill since XX/XX/XXXX showing the fraudulent charges as my balance {$130.00}. 
I will not pay any interest nor late charges. Consumers still have rights. This country is not a dictatorship where we reward identity thieves. I demand fairness. We still don't know what Target did with the {$10000.00} payments made to my account.
Consumer complaint received 2023-12-26
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy
Consumer complaint received 2023-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 2024-05-14
Product: Credit card — Store credit 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: CITIBANK, N.A. (MD)

XXXX paid a bill that I never received that was late and had interest and late fees, asked to cancel account and receive XXXX balance confirmation. Company did not send XXXX balance, did not confirm closure and a month later sent a {$2.00} bill for minimum interest charge on XXXX balance.
Consumer complaint received 2024-05-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (VA)

I've gotten multiple calls claiming to have a case in their office from Santander Consumer in which I have already been to court and arranged payments with another company. I have asked which court this will be processed in and can I receive proper paperwork and nothing has been sent to me in regards to this. This account is from XXXX and has since been sold from Santander as of XXXX and has since been processed and taken care of. I have been told they would report this to the credit bureaus which is unnecessary for something I have taken care of. 

XX/XX/XXXX I have received a call stating that it would be in processing and would contact employment XX/XX/XXXX I received a call for processing and would contact employment
Consumer complaint received 2023-12-26
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (NY)

I purchased a vehicle on XX/XX/2029. The sales person who was working with me or trying to make that money with me used Santander and he was also the one who hot me insurance. Since he knew I could have gone back to the guy I saw the day before if he didn't give me a better deal so he used his resources by Getting me insurance where I didn't speak to whoever got me that insurance. And the Bank that gave me the loan has underwriting guidelines saying that they need the agent 's name, the company 's and coverage must always be full coverage. It was my first time getting a vehicle. What happened is that they gave me the vehicle without full coverage and the bank definitely conducted business against their own guidelines because it would benefit them. I didn't know that Comprehensive coverage is not full coverage. I signed the papers XXXX  days after I got the vehicle. On XX/XX/XXXX, someone crashed into my vehicle. My insurance company is not paying for my car not the person 's insurance that hit me because they're saying I had a STOP sign even tho that guy hit me while I was done crossing. I'm in this because XXXX the bank Didn't bother to confirm full coverage which is required by their guidelines and the insurance company did not ask to speak with whoever was getting that insurance because that person was helping the sales person get the deal since they know each other. Now I am stuck with a {$25000.00} loan and no car to drive. I definitely need help
Consumer complaint received 2023-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (NC)

NetCredit has responded to my complaint under XXXX incorrectly. Through their response I was identified multiple times by NetCredit as XXXX XXXX. I do not know of a XXXX XXXX, nor am I that person. NetCredit has proven their records about me to be inaccurate as per their statement to the CFPB. Their system is fallable, as it was also scammed by the same individual who scammed me. Please remove the tradeline as you have proven yourself to be in error.
Consumer complaint received 2023-10-30
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. (FL)

On XXXX XXXX I submitted dispute letters ( and I submitted a complaint last week but it didnt go through, but I have screen shot that something was submitted ) to ask the CRAs to show me and explain their verification process and failed to and have not responded to nothing at all. The accounts I am asking for the processes are : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( separate account )
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from XXXX, Experian, and XXXX and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.
Consumer complaint received 2023-08-01
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. (NJ)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-13
Product: Credit reporting 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. (VA)

I am writing to dispute the presence of the hard inquiry on my credit report as listed below. The inquiry was made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : XXXX
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I received a credit limit of around XXXX XXXX  I made a payment of total balance the first month of about XXXX XXXX ( payment was made XX/XX/XXXX ). Aside from the payment process taking 7-10 business days to process ( which they claimed was due to the large amount ), they froze the card and now I cant use it for 7-10 business days. I asked the person XXXX XXXX ) and he simply said its just an internal process. 
I asked him if I make a payment every month like this will the card not work for 7-10 business days every month? He responded yes, due to size of payments, its just an internal process. 
When I asked to speak to a manager, I was simply hung up on. The conservation with the credit card company was on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
This smells fraudulent and just an attempt to limit ones ability to use the card.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (AL)

On XX/XX/year> I received a small claims notice for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reviewed my credit report and do not have any collection accounts for the amount stated on the claim and do not have a credit card for the account on the claim either. My name has been changed to XXXX XXXX for XXXX years, and have no clue what this is and why I am being sued.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tower Loan of Mississippi, Inc. (AL)

XXXX violated my rights and threatened me through a text thats listed below. He continued to call and make threats. There were also false information reported on my credit and according to FCRA law 605 you could not report or call out of term and make threats.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I acknowledge your efforts in addressing and rectifying the fraudulent entries within my file arising from an alleged incident of identity theft. However, there remain unresolved items that necessitate your attention for removal. This marks my third complaint as a victim of identity theft, and I am diligently submitting disputes for the contested entries resulting from this criminal activity. The items under dispute are unrelated to any transactions involving the acquisition of goods, services, or financial resources that I have either made or authorized. For your reference, I have attached my new FTC Report XXXX XXXXXXXX. Kindly expunge the reporting of the following items from my credit file, which are the repercussions of the alleged identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (LA)

I opened a savings account with Regions Banks on XXXX and made a deposit in the amount of {$12000.00} and one withdrawal in the amount of {$1400.00}. Since then, I have not touched the account, and just recently when I went to get funds out of the account I was told the account was closed. I have a statement with the account number and proof of deposit but no one at Regions is willing to help me locate my funds. In addition to them not being able to find the original deposit I was also supposed to be getting direct deposits into another checking account monthly since XXXX and I did not start getting them until XXXX even though the depositing company says they were sending them