davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (SC)

XX/XX/13 I called XXXX  in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.
Consumer complaint received 2023-05-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (TN)

Searching for a bank line of credit in XXXX the site referred me over to One Main Financial, after filling out the information I was informed One Main was not a bank and that the numbers quoted were incorrect. I was not aware of what or who they were because they seem to conceal that they are a title loan company, After talking to them and realizing this was not what was advertised I requested that they remove the hard pull being that it was done by misleading me into believing they were an actual bank with credit cards and lines of credit. I was told by them I'd have to file a complaint with the credit bureau. 

I then asked if they actually do title loans for {$9500.00} as that is the amount they claimed to be able to loan or extend and they said no, they only do title loans for {$1500.00}, which again is not what was stated by lending club or them, this was all revealed after the hard pull, so they said one thing and are doing something entirely different. 

When I asked about the {$220.00} a month for {$9500.00}, and 13 % apr, they said no its $ 34 %, the whole thing was designed to lure in people who are not asking the right questions.
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (OK)

I have had several of these XXXX XXXX  short term loans with possible in the past, and this one I had an emergency come up and was running low on cash, possible always has a popup in the app that says " need to reschedule your payment? '' So I decided to try it. It said this won't affect your credit and gave me several different dates to choose from in the current month And as far as XXXX months out. I rescheduled for XXXX weeks later. That payment date came around and I paid it, the next payment I decided to reschedule just to try and get everything caught back up. I chose a date that was more than XXXX  days out and The disclaimer came on the screen and said this won't affect your credit but might affect future loans with possible. I decided to take the risk, since it wouldn't hurt my credit and these loans are very expensive. Fast forward to XXXX  days before my last XXXX payments are due all the sudden possible  has reported my account XXXX days late to the credit agencies so I emailed them. They said well if its past XXXX  days your late. This is a XXXX XXXX app, why would a ) they allow me to post pone a payment so far in the future it would show late on my reports, and b ) why would I post pone for that same reason. I have worked very hard to get my credit to where it is again. Now, they have reported me delinquent even tho I payed the whole thing off the day I found out about the late reporting. I paid it XXXX  days ago and I keep getting emails saying its in default its reporting late, delinquent and deragatory on the credit reports. and the customer service will not respond and if they do its a cookie cutter response that has nothing to do with my situation.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

This company is reporting INCOME on my credit report as an alleged DEBT. Since this alleged debt was written off as income, I should have received copy B of the 1099-C the company filed. I did not receive copy B.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (GA)

On XX/XX/year> I received several text messages from this company called XXXX XXXX. Im not sure how this company got my information but my issue is why are these people texting I never agreed to anyone texting me and harassing me over a debt I know nothing about. I will be reaching out to my attorney because this is harassment to the fullest. Im a sick XXXX who have gone through XXXX and I dont need any added extra stress. This type of communication is tacky and lazy. I will be seeking council to tackle this unethical company. Apparently the owner doesnt care. I will be talking to a XXXX attorney to see if a class action lawsuit can be created against this company. They need to be sued for the way they are contacting people. You cant tell anyone they owe a debt and harassing that individual before verifying its a valid and legitimate debt.
Consumer complaint received 2024-05-07
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: AMERICAN EXPRESS COMPANY (CA)

For dispute XXXX I have uploaded the police report that indicates there was a thief stole my package. And Amex still insists that I return the package empty. How ridiculous!
Consumer complaint received 2024-05-07
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)

According to USC 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS, -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to sect5ion 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ...... 
Capital One Auto Finance has violated my rights by reporting late payments, which is considered transactions and experiences between the consumer ( me ) and the person making the report ( Capital One Auto ).
Consumer complaint received 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: ROBINHOOD MARKETS INC. (CA)

I had my Robinhood brokerage account restricted on XX/XX/year> which resulted in my account closure on XX/XX/year> due to unnamed " Customer Agreement Violations '', as a result of my account closure I have to move my IRA either to another brokerage account for a {$100.00} fee or I have to take it back into my bank account for a 10 % tax penalty and lose the 3 % IRA offered by Robinhood. 

During the process of providing the documents, they attempted to close my account by moving the deadline to provide the documents, leading me to believe this is done on a regular basis to multiple consumers. 

The reason my account was closed was due to " fraudulent activities '' which Robinhood could not provide evidence for, I gave them all necessary documents to prove my identity and they still chose to close my account for no reason provided other than fraud which was disproven by the personal documents, facial scans, and IDs I sent them.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America checking was hacked. 

Victim of the Bank of America, XXXX scam Over {$1000.00} was taken from my checking account even though supplement E says bank will refund any money taken with this scam
Consumer complaint received 2023-05-02
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: SANTANDER HOLDINGS USA, INC. (FL)

A Charge off account on Santander Consumer USA auto loan with account number XXXX, opened on XX/XX/2015, and a balance of {$0.00}. This item is on my XXXX credit report and I tried removing it numerous times, however, it was unsuccessful. I have never took out an auto loan from them, in-fact, I was not even in the country XXXX they are violating the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (GA)

A number had been called my phone repeatedly at least 7 times a day for the last 7 days. It was the company called XXXX XXXX XXXX. I spoke with them on XX/XX/XXXX.They stated the bought my debt from Victoria secret . The rep was very rude and told me that if I don't pay they will sue me and ruin my life. I thought that was very excessive. I asked for debt confirmation and contract from Victoria secret stating you have the right ti collect on this debt. I never received that as of today XX/XX/2024. I just received a piece of mail from a bankruptcy attorney stating, I have a pending law suit against with from comenity Bank who is Victoria secret. I was never notified of the law suit and I think it's unfair to not allow me to defend myself but try to garnishment my money illegally.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Theres a debt collection agency reporting inaccuracies on my credit report. It says account was opened on XX/XX/XXXX but then shows status was updated on XX/XX/XXXX going from collection to charge off. Yet, its reporting C/O every month after the 180 days of being charged off. So if the account is dead, it shouldnt have an active payment history. Due to this, the statue of limitations is being directly changed. It reports as past due of XX/XX/XXXX although charged off in XXXX. This is reporting on Experian XXXX and XXXX
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act XXXX  and according to 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
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On  XXXX , I requested a revised Escrow History, because I cancel the old Home Ow ner Ins for {$3000.00} for new policy {$720.00}.      On  XXXX   XXXX , I received a Escrow History Dated  XXXX   XXXX ,  XXXX , Upon reading I notice immediately that the amount were not correct. I call on  XXXX   XXXX  spoke to representative in the escrow department.     My " Old Mortgage Payments " {$950.00 } My NEW  are {$680.00}.   ( {$680.00} is compose of  XXXX  Escrow and  XXXX  P/i ) My argument is as of  XXXX   XXXX  my escrow accumulated amount is {$2300.00}. My  Property Ta xes are  XXXX  and Ins  XXXX  the total is {$2400.00}. I understand there need to be " cushion ''. So with  XXXX   pmt and   XXXX  pmt of  XXXX  each bring the total to {$2700.00}. Should be enough to satisfied this condition.     As per the law, any financial company holding over {$50.00} in the escrow over the amount required must return it to the person making the mortgage payments.     Then as I understand this situation, my  XXXX  payment should be {$480.00} since I have satisfied the escrow amounts.     The property taxes will be due on  XXXX   XXXX , and the  Insurance  in  XXXX . I want to pay these amount on my own. And hopefully refinance.     Please help me correct this situation  with Ocwen  ( according the representative it will take over 45 days to correct, ) Mean while they are asking for the wrong amount for the mortgage. Even though I send the correct amount, I do not want to go into default.     Thanking you in advance for your assistance in this matter, I remain grateful.      XXXX   XXXX
Consumer complaint received 2023-06-09
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. (FL)

THIS XXXX XXXX ACCOUNT IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
I NEVER APPLY OR OPEN THIS ACCOUNT AND THE CREDITOR AGREED TO DELETE THIS ACCOUNT.
Consumer complaint received 2023-12-13
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 FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you ( this is called " file disclosure '' ). 

On my report are inquiries and I did not give permission of these corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove them now from my credit report it is inaccurate and causing derogatory implications
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (GA)

XX/XX/XXXX : Opened a US Bank XXXX Checking account with a {$250.00} deposit using promo code XXXX from the link attached to the below advertisement ** Open your checking account online through this page, in a branch or over the phone by XXXX with an opening deposit of {$25.00}. Then within 90 days of account opening, enroll in the U.S.Bank Mobile App or online banking and make at least two direct deposits. 
Earn {$300.00} when the combined total of your direct deposits is between {$5000.00} and {$9900.00}. 
Earn {$500.00} when the combined total of your direct deposits is {$10000.00} or more. 
** XX/XX/XXXX : Called US Bank support to confirm the above promotion was attached to my account and that I was eligible. 

XX/XX/XXXX : Received first direct deposit totaling {$5000.00} XX/XX/XXXX : Received second direct deposit totaling {$5000.00} XX/XX/XXXX : Called US Bank at XXXX ( XXXX ) XXXX to check on the status of my bonus and was told that since I did meet the requirements a request to post my bonus would be sent and that it should appear in my account within 3-5 business days. 

XXXX XXXX, XXXX : Called US Bank back since the bonus had not posted and I was told that I was ineligible because I had an open checking account with US Bank before. After mentioning that Id never gotten a US bank promotion or ever had an account I was told that they did open two for me back in 2022 that made me ineligible even though I could never access these alleged accounts. 

I attempted to open a checking account with US Bank for the first time in XX/XX/XXXX. However, I encountered issues during the process. Despite receiving requests to fund an account, I couldn't proceed as the funding page consistently resulted in errors, prompting me to call customer support. 

Upon contacting customer support, I was informed that my application was on hold pending an address verification. I complied with their request to fax a picture of my ID, but after a week of no response, I followed up. I was then told that my application was under review. When I asked to simply create a login since I was being prompted to set up funding information, I was informed that I had to wait as there was nothing to attach a login to. 

Now, more than a year later, after meeting the requirements and being assured of my eligibility, I'm being informed that I don't qualify due to having two accounts in the past. This information would have been crucial to know before being told I qualified and before meeting the requirements. As evidence that I never had an active US Bank checking account, I'm attaching two emails from 2022 stating that my account could not be opened.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX 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 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions (NC)

I am not liable for this debt of {$2800.00} with XXXX Account Number : XXXX. They did not provide me with the original contract. A purchase agreement with my wet signature and ID verification. They have provided me nothing to show full ownership of such account so l May review it to see if this is actually an account that belongs to me.

Rent recovery has not furnished any agreement to confirm that account belongs to me.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (CA)

During XX/XX/year> thru XX/XX/year>, I have not been able to use the card because it has been expired. I asked them to send a new card as of today XX/XX/year>, I have not received. I have made on-time payments which are due on the XXXX of the XXXX. I go to the XXXX and use the service to make my payment. On the XXXX, my online account reflects a late fee of {$45.00} each month, then it is reversed but the money is never posted to my availability. My average interest and other charges add to {$13.00} to {$14.00} a month. SO, there is no way of not using the card and making payments monthly on-time that I should have an available balance of only {$38.00}, today I checked, and I was charged {$45.00}, so now it is negative XXXX dollars. 

They should apply the {$45.00} charged for the Months of XXXX, XXXX, XXXX, XXXX and XX/XX/year> to my account. the most that should have been debited only {$70.00} ( interest and fees ) for the period XX/XX/year>- XX/XX/year>. Payments made during this time equals XXXX. My credit limit is only {$300.00}. 

They should apply the XXXX to my account immediately. 

Thank you
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC. (GA)

I purchased a vehicle in XXXX of XXXX Santander finance it. I put down XXXX in XXXX the motor went pripr to that i had spent over XXXX in repairing it. Once the motor locked i ask them to come puck ut up because u couldn't pay on a tore up car plus try to get another car. They claim they auctoned the car off and still say i owe XXXX
Consumer complaint received 2023-06-09
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. (PA)

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1600.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-06-09
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. (MD)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credence Resource Management, LLC (FL)

In reviewing my credit report found a collect list from XXXX XXXX XXXX send to Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX this account wasn't opened by myself XXXX XXXX or my wife XXXX XXXX XXXX. We have spoke with Credence XXXX and transferred to XXXX at which time we were advised to made a police report and they will send us an information package. The amount of this charge is {$1300.00} this account was made in TX according to Credence
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

I noticed this company reporting a debt on my credit report that I am unaware of. I did not have the opportunity to dispute this debt because I did not receive proper notification. If in fact, you believe I received proper notification, please send me a copy of the certified mailing receipt with my signature. If this information can not be provided, it should immediately removed from my credit report.