davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NH)

Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing to report a serious incident of identity theft involving Comenity Capital Bank, where a credit card account was opened in my name without my authorization. 
In an initial interaction with Comenity Capital Bank, I was informed about an attempt to open a credit card in my name. I clarified with a representative that this was not an action taken by me, and they assured me that the attempt was recognized as fraudulent. They confirmed that no account would be opened, and no funds would be withdrawn. 
However, the situation took a concerning turn when, a few months ago, I was notified by another lender that an account had indeed been opened in my name and that there was an outstanding balance of {$680.00}. This was contrary to the assurances given by Comenity Capital Bank.

Key Incident Details : Company Involved : Comenity Capital Bank/Interval International Inc , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Account Opening Date : XX/XX/XXXX Account Type : Revolving Account Loan Type : Credit Card Last Update on Account : XX/XX/XXXX High Balance of Fraudulent Account : {$680.00} For your reference, the account number associated with this fraudulent activity is XXXX. The account was reported to have a high credit limit of {$5600.00}, under a monthly term for 11 months, and was last updated on XX/XX/XXXX with a balance amount of {$0.00} and no amount past due. 
I am currently working with XXXX to address this issue and have been advised to file this report with the Federal Trade Commission. I request your immediate assistance in investigating and resolving this fraudulent activity under my name. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OR)

For my Miles & More end by XXXX, I submited additional material on XXXX and the security team said I'm approved. However a month later the Barclays told me the card is not approved. 

I no longer want this Miles & More credit card bceause of this unbelieveable service provide. However, recently I received the annual fee bill from Email notice. I would like to ask Barclays close this card immediately and waive all fee since the customer service declaread " it is not approved ''. 

I had try to call the president office relative staff many times and send response throught XXXX  but I never can get touch with anyone. The due date of payment is XXXX, XXXX, which is today. I also need to ask remove the late payment notice from my credit card report since this is not my fault.
Consumer complaint received 2024-01-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (TX)

I was a manager at a location, XXXX XXXX XXXX, XXXX XXXX, XXXX. I was ordered to under explain or even just tell customers to " sign please '', when it came time to sign the ach disclosure with customers, this was in an attempt to increase collections of missed payments and unpaid loans.
Consumer complaint received 2015-12-24
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage LLC. ( " Nationstar '' ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( " XXXX '' ), and XXXX XXXX XXXX, XXXX XXXX, as Trustee for the Certificate Holders of the Structured Adjustable Rate Mortgage Loan Trust Mortgage Pass-Through Certificates, Series XXXX ( " XXXX '' ) are all governed by FDCPA pursuant to 15 USC 1692a ( 4 ). The County Public Records is a third party. Nationstar, XXXX and XXXX never obtained our permission to file " our '' non-public information into the County Recorder 's office. The Notice of Trustee 's Sale document filed for an illegal seizure of our home is a violation pursuant to 15 USC 1692c ( b ). Also, Nationstar, XXXX and XXXX are prohibited from abusing and harassing us pursuant to 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692i, and 15 USC 1692j. Trustees who regularly foreclose on California deeds of trust in non-judicial actions are debt collectors subject to the entire FDCPA. ( CFPB XXXX XXXX - XXXX XXXX vs ReconTrust )
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (FL)

My account was recently closed with Venmo and all of my life savings are in this account I can not pay rent Im currently being evicted for not paying rent due to me not having access to my funds they unlocked it and I tried to transfer money out then they locked it again I cant understand the reason for this I just wish to receive my funds without getting legal council involved
Consumer complaint received 2024-01-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023, I contacted CapitalOne Financial to opt out of the sharing of my personal information with non-affiliated third parties. 

Despite my request, CapitalOne Financial has continued to share my personal information with third parties. 

I have attached a copy of my opt-out notice to this complaint.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (CA)

I previously distributed a fraudulent account on my personal consumer report SANTANDER who had failed to remove this account that is involved in identity theft. I notified them of this and sent a copy of my FTC REPORT which has been ignored and has affected my credit in a negative way. Please remove this account immediately! This information is also being reported to third party bureaus and is being used to verify fraudulent information as a result of this information being shared without my consent.
Consumer complaint received 2024-01-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I paid off my account in full in XXXX of last year. My balance was {$610.00}, I paid the full amount to close. After all this, I was still being charged " interest charges '' on the balance of {$0.00}. I received no communication via email, mail, or phone calls about this. The only reason I found out was an email from XXXX XXXX stating that my credit score dropped significantly. After checking the statements, I found XXXX has been charging interest and late fees on an account that was completely paid off.
Consumer complaint received 2024-04-25
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. (MO)

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 XXXX party. They in fact did not come from a XXXX 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 2024-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Buckles & Buckles, P.L.C. (MI)

I owe money for a XXXX  card, Buckles & Buckles purchased the debt from XXXX, I called Buckles & Buckles early in XXXX to pay off the debt and when I spoke to the person with the company, I was told that I can not pay off the debt because they did not have my file and that they would call me back so I can pay it. I never received a call back from or any other communication. Today, XX/XX/XXXX, I was served a summons from Buckels and Buckels regarding this debt. I never received any other bills or communication from them regarding this debt nor would they let me pay off the debt when I called them in early XXXX.
Consumer complaint received 2024-01-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

Reported XXXX  of a parent and execuitor. Provided dXXXX XXXX and court papers. Requested balances as of date of XXXX  for the court on XXXX. Wells Fargo Rep XXXX XXXX has failed to follow up once he was told we would not be opening an estate account at Wells. Need change of address, change in execuitor and balances as of XXXX  to report to court. i have also called customer service and no one follows up.Need information on CDs and Checking Acct.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and removed from my credit 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
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2024-04-26
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.

Account Name : XXXX XXXX Account Number : XXXX-XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 2024-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

In XX/XX/XXXX I purchased a new Kia XXXX XXXX from XXXX Kia in XXXX, FL. I paid off the loan balance on XX/XX/XXXX. Kia posted a letter to the client portal stating that the loan was paid on XX/XX/XXXX. They did not send me the title, or any notification that there was a problem. On XX/XX/XXXX I called Kia Finance America to ask why I did not yet have my title. They told me that there were XXXX XXXX taxes due in GA. 

I had lived in GA for 2 months in XXXX and attempted to register the car in XXXX GA XXXX about {$2000.00} in XXXX XXXXXXXX XXXX in order to register in the state. I paid XXXX with a promise to pay the other half within 6 months. Since I moved back to FL within the 6 months, I forfeited my registration and went back to my FL registration. 

On XX/XX/XXXX I called the tax department in XXXX XXXX, GA where I lived for that short period of time. GA informed me that they held a lien against the car and I would have to pay about {$1400.00} in taxes, penalties and interest. I immediately paid via credit card over the phone. I posted the receipt from XXXX XXXX to the Kia Finance portal immediately. 

On XX/XX/XXXX I called Kia expecting to hear they sent a release to FL for my title. Kia told me they would submit an electronic release to FL, and that I could get my title within XXXX business days. I waited 5 days and went to XXXX XXXX to have my title printed. XXXX XXXX told me that the title was printed and transferred to GA. I did not request or initiate this transfer. 

I have called Kia and they will not admit they transferred the title and told me that no request was ever made to GA. Each time I call Kia Finance to ask where we stand, they have told me a request was submitted to GA and after XXXX business days I could go to GA to get my title. Ive made 4 such attempts to no avail. 

Finally a clerk in GA told me they received an electronic release for a paper title. They told me that if I bring an original tile lien release with a signature and/or stamp, they would give my title. I immediately called Kia to request this letter. I called Kia on XX/XX/XXXX and again on XX/XX/XXXX to check on progress and was assured either a letter was being sent to me or a release was sent to GA and I should check back after XX/XX/XXXX. 

Nothing was ever sent to me or to GA. I have called Kia several times since XX/XX/XXXX to see if they would please just send me the letter GA says they need. My last call with Kia told me that possibly I will get the FL corrected title during the week of XX/XX/XXXX. 

I gave my car on XX/XX/XXXX to my adult daughter in TN with a promise to send her the title as soon as I get it. When I paid off the loan on XX/XX/XXXX, I would have expected the title soon thereafter. Now, each time I call Kia they extend the final date for receipt. I dont know where else to turn for help. Please help.
Consumer complaint received 2024-04-26
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. (NY)

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 # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states aa consumer reporting agency can not furnish an account without my written instructions. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BB&T CORPORATION (NY)

Please refer to your XXXX. 

This account is for a XXXX car lease through XXXX XXXX XXXX from 2014 ... 8 years ago. I was put into collections because my last payment was for {$490.00} instead of {$490.00}. That is a difference of XXXX cents. 

I have XXXX children in college, and this is continuing to hurt my credit with all three credit agencies.
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CMG MORTGAGE, INC (TX)

CMG suspended my ability to make online payments after 3 returned payments over the life of the loan so far. I contacted CMG several times to request to be sent this policy, which I had no notification of, until I was unable to make a payment online. I was advised Id have to mail 12 payments via money order or cashiers check until I could make online payments again. I have complained to CMG directly with no resolution, filed a XXXX  complaint, and they are refusing to reinstate online payments. I have made 3 mail payments with a money order, and feel that since CMG did not disclose such policy, it is unfair to demand mail payments for an entire year because of 3 returned payments. Fees have been paid up, and payments are up to date on my loan, so I do not see how they can reinforce a policy that was never disclosed and place me in a position where if theres a problem with USPS delivery, Ill be out money, and subject to late fee charges if there are delays/ mail gets lost.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX 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 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 2023-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (IL)

A credit card for Nordstrom was opened by someone posing as me. I became aware of it when it appeared on my credit report. I reported it to XXXX, but they told me but they denied my dispute. Now the person that has opened the account has not paid and it is negatively impacting my credit report.

I need to get this rectified and the Nordstrom card taken out of my name. There isn't even a Nordstrom store anywhere near me. The delinquent amount is {$440.00}. Looking for help in rectifying this situation.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (TN)

" 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 and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. " According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix