davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

My wallet was stolen back in see XX/XX/2016 I happened to notice a collection account on my credit from portfolio recovery early this year and I disputed due to fraud with each bureau. So far XXXX and XXXX removed it. XXXX keep updating it after 3 disputes they still reporting inaccuracies on my credit report. Its XXXX from portfolio recovery.
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Trying to use American Express XXXX card. Put in all relevant information on XXXX. Card keeps getting declined. Checked card on website and cant get a verified balance. Through robot call says XXXX transactions for XXXX each were processed. Waited over an hour to speak with a service rep no answer. Very shady company in my opinion ripping off consumers. Tells me to go use card somewhere else????
Consumer complaint received 2024-04-18
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. (CA)

The XXXX XXXX XXXX, XXXX XXXX, has reported unlawfully two missed payments that has result in a decreased in my credit report. 
According to the Consumer Law 15 USc 1666b it is illegal to provide any late payment information to the reporting credit bureaus.

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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (SC)

Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I am opting out of my information being reported to a nonaffiliated third party. Per 15 U.S. Code 6802 " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given or notified of an option to opt out before the time any information ( payment history, account balance, late payments ) was reported to the credit bureaus ( nonaffiliated third party ). As you may know everytime my account information was sharing to a nonaffiliated party without giving me prior notice or option to opt out is {$1000.00} per violation. The debt was sold to a 3rd pary and is now charged off. When a debt has been charged off it is now considereed a certifiacte of indebtness which is considered income and income can not be reported to credit report.
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. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2023-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (WI)

I Have Sent two ( 2 ) Letters requesting validation of debt of FULL accounting of Debit. XX/XX/XXXX & XX/XX/XXXX with NO response I also requested copies of ANY signature Agreements with Phoenix Financial service or XXXX XXXX XXXX  - as I do not know either of these firms Nor have I incur any contact with them before. Now As of XXXX they have a statement that state I owe them {$1400.00} - I don't Even KNOW who this Company is- It Shows On my Credit Bureaus as well.
Consumer complaint received 2023-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

I took out a loan with Specialized Loan Servicing in XXXX of XXXX. My approximate loan rate was 7 % and my approximate payment was {$660.00}. Fast forward to XXXX of XXXX, I made a payment of {$820.00} on XX/XX/XXXX, I made a payment of {$630.00} on XX/XX/XXXX and a payment of {$740.00} on XX/XX/XXXX. Due to the current interest rate over 14 % with XXXX, I looked into refinancing into a fixed rate loan. I was told I had a 30 day late in XXXX of XXXX and a 30 day late in XXXX of XXXX, so my refinance was declined. I reached out to SLS several times to request that they remove one of the 30 day late. I was denied this request. I do not understand how a company can take a payment and still penalize me with a 30 day late. When I spoke to a person in their credit department, I was told this is their internal policy and there was nothing I could do about it. I have never had a heloc loan. I have had near perfect credit most of my adult life. Now I feel helpless in this situation as I was told there is nothing I can do to fix this issue.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (DC)

On XX/XX/2023 IQ DATA INTERNATIONAL IN added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for this account. This debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, 10 IQ DATA INTERNATIONAL IN has violated my rights as a consumer and I am requesting action to have this account removed from my credit report immediately.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (AZ)

XX/XX/XXXX XXXX XXXXXX/XX/23 Applied on online for US Bank balance transfer. I spoke with XXXX Bank Rep was informed that I qualify for balance transfer. And request to provide info. However he stated I was approved for XXXX Bank {$1000.00} credit card which I informed him I did not want XXXX Bank credit card and only interested in balance transfer. They pulled my credit report twice which now has lower my credit score. I was mislead.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I first received a call from IQ Data International around XX/XX/2019, wherein we initiated the typical debt collection process. I requested that they verify the debt with XXXX  XXXX  ( the apartment complex to which they claim I owe money ). 

I requested that they not call me during work hours due to my employer not allowing me to take calls, and they agreed. I also requested all contact with me to be done via certified mail and they agreed. 

Fast forward to XX/XX/2019 and I receive a call at XXXX XXXX  EST during work hours. I told the phone operator that they had agreed not to call me during work hours but he became immediately confrontational. I said " Please do not call me at work again, have a nice day '' and hung up the phone
Consumer complaint received 2024-04-18
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. (DE)

On XX/XX/2024 I sent my FTC Report, my state drivers license ( for identity purposes ) to XXXX, XXXX, and TransUnion. I followed the steps for reporting identity theft as stated with to CFPB and the Police Dept also with my State Attorney 's office. I will be filing a civil suit for reporting inaccurate information on my consumer report. Which is a {$1000.00} per violation.
Consumer complaint received 2023-09-21
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-08
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Subject : Urgent Matter Regarding Recent Vehicle Purchase - Seeking Resolution Dear [ Dealer 's Name ], I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding the recent purchase of a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. While I appreciate the opportunity to do business with Credit Acceptance, I have encountered a few issues that require your immediate attention. 

Upon reviewing the contract, I noticed a statement on Page 1 that declares my acknowledgment of the " delivery and acceptance of this vehicle in good condition. '' However, during the completion of the contract, neither Credit Acceptance nor XXXX XXXX conducted a thorough inspection of the vehicle 's condition. The XXXX XXXX I purchased had XXXX miles, and I believe it's only fair to ensure that a car valued at {$20000.00} is indeed in good condition. 

Furthermore, I observed that according to 15 USC 1605, the finance charge can include insurances. However, I was not provided with any insurance coverage and was instead encouraged to sign up for an optional warranty or service contract. The service contract offered only covers 24 months, which is half of the minimum 48 months my contract would last if all payments were made on time. Given the high mileage of the vehicle, I am concerned about potential repair costs that may arise after the service contract expires, leaving me responsible for any damages. 

During the paperwork process, I felt rushed and not given adequate time to thoroughly review the terms and conditions. This has left me feeling misled and deceived, and I believe these concerns need immediate attention to ensure a fair and transparent resolution. 

I kindly request your assistance in addressing these issues promptly and finding a resolution that ensures fairness and transparency in this transaction. I am open to discussing this matter further and appreciate your attention to my concerns. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-12-28
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Between XXXX XXXX and XXXX XXXX there are XXXX charges to my card, in GA, XXXX in CA, XXXX in MN and XXXX in XXXX Total XXXX I contacted USAA. They refused to block my card. They refused to let me speak to a fraud investigation person. They said because I don't have a cell phone and they can't send a code, they couldn't help me. Refused to email it. I was given a ridiculous list to mail them, via USPS. Ex. Color picture of my drivers license, front/back etc. I don't own a cell phone, printer or computer. How do I even do that? Anyway, they need to stop this fraud, immediately, instead of refusing to help me. How long will charges continue to be put on my account? Please help me!
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

Hello, we opened a 0 % interested free company credit card with US Bank. The problems started when I couldn't set up an online acct to place my card on auto pay. Me and my partner called multiple times over numerous months and no one could help up set up our online access nor did anyone know how to do it. So I could not set auto pay and I could not access my rewards. This error at US Bank caused my account to accumulate late fees, over the limit fees and interested to be charged to my zero percent interest card. I told them of the error and I think they might of waived one late fee. Every time I tried to set up an online acct their online system would generate a message " their is some type of issue with their system ''. 

Then about one month ago I spoke with a rep that was able to aid me in getting the online account set up. I tried to access my online account with the same login information a couple weeks ago and the same error message kept arising and I have not been able to access my online account. 
I received a bill in the mail saying I owed a certain amount so I decided to call in to make the payment because I could not access my acct online to pay. When I called US Bank to make payment the computer system said nothing was owed even though I had a bill stating a certain amount was owed by the due date. Then I got a phone call a couple days later saying my bill was late and I owed {$93.00}. My official bill said around {$300.00} and this is the 1st time Im hearing {$93.00} is owed. So I need the the bank to refund all fees, extend my zero interest double the time and allow me online access to my account. Also, I need to all the phone records.
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

Purchased {$500.00} Arizona Mastercard Gift Card instore from XXXX 's store located in AZ state on XXXX The gift card is supposed to be activated right after the purchase. 
The gift card was issued by U.S. Bank National Association. 

When I tried to use the gift card it didn't work and also balance inquiry also not worked when checked online using URL XXXX 

I contacted customer care using the number XXXX listed on back of the card. I was informed the card was inactivated due to fraud checks and asked to fax receipt, front and back of the gift card and Driver license to fax XXXX XXXX XXXX. 

I faxed all the relevant documents on XX/XX/2023. When I contacted customer service about replacement card, they replied they received the fax, but DL ID is not readable and asked to refax all the documents again. 

I did refax all the documents again on XX/XX/2023 and again contacted the replacement card and I got the same response, fax was received but DL was not readable. 
I suspect some sort of fraud by the bank and is trying to deny providing the replacement card saying documents are not clear. 

I already spent considerable amount for sending the Fax multiple times and I suspect they will provide the same reason and not willing to share the fax they received saying security concerns and not saying what is wrong and reiterating to fax again.
Consumer complaint received 2023-12-28
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. (CA)

My information was sold and bought illegally because I was a victim of the equifax data breach I want these items deleted from my credit report effective immediately iam attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing please help me delete these illegal accounts from my credit report
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (MO)

All of my money was taken from my account including my taxes. I filed disputes, police reports, reported my identity stolen and still did not get my money back or an explanation as to why. My credit has gone down, when my account was compromised it was overdraft almost {$700.00} and chime is after me for money I do not owe
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I did not consent or signed no contract with XXXX XXXX XXXX agreeing to pay any debt owed to them 15 usc 1681section 604 a section 2 states a consumer reporting agency can not furnish an account without my writing instructions or consent also under 15 usc 1681 states I have a right to privacy and I did not consent for my information to be sold to XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CARD Corporation (MA)

Today argued with me about taking using money on my card. Identy theft issue long term. They know. Never received new one. They are constantly trying to take identity theft issue like it does not exsist.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

There was fraudulent charges on my account that was clearly not made by me, and Wells Fargo tried to say it was me when I told them to check the cameras to show that it was not me they closed my account and said it was my fault when they didnt do anything to check
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

On XX/XX/2021 I was sent a wire transfer from the SBA for {$15000.00} for a business grant. I had my grant sent to Citi Bank. I had an account ( checking 's & savings ) with them for about 6 months at the time of transfer. Once the transfer was completed. Citibank chose to close my account, after the transfer was completed. My account was closed XXXX XXXX. Per their own policy after 60 days the funds will be sent to the SBA or they will issue a check back to me with the remaining funds. After 6 months of calling and waiting Citibank expressed to me that the accounts were closed and the funds will be returned to the SBA. It is now XXXX XXXX and the savings account is still open even though i have no access to the account. And my funds are still being held by Citibank. I spoke with a rep and they advised me that i need to now send in more documents for them to even close the account and send the money back to the SBA. I have contacted the SBA but they can not help me until the funds are returned.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (MI)

I have been recently looking to purchase homes vehicles etc and I have been attempting to fox my credit situation. I noticed a collection account from years ago and it does not belong to me. It is {$400.00} from capital XXXX and now owned by midland.
Consumer complaint received 2024-04-17
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. (CA)

To whom it may concern I applied for an XXXX  loan in the fall to only XXXX company which is XXXX XXXX XXXX XXXX. I did not give consent to the dealership to use my credit for any other XXXX  loans. I recently checked my credit report and was shocked to see numerous XXXX XXXX inquiries which I have no recollection of. I am assuming that they tried using my credit to approve any auto loans that they could with my report. I also submitted an Identity Theft Report to the Identity Theft website but have yet to see any progress.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (UT)

This company has no regards to following rules pertaining to fair debt collection practices. They've repeatedly called my phone non stop for months extending the maximum frequency of no more than 7 times in a XXXX consecutive period. I've done enough reading to know that it is a misdemeanor crime. They use multiple different phone numbers and it's stressed me out to the point it's felt like an impending doom lurking over my head. I have screenshots of the amount of phone calls and will submit proof. I've had XXXX calls, not including text messages and emails since just XX/XX/XXXX.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following accounts are reporting inaccurate, illegal late payments XX/XX/XXXX XXXX showing late XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXXCapital One Walmart XXXX Showing late XX/XX/XXXXXX/XX/XXXX