davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I owe a credit card debt, which I do not dispute. The Debt Collector Handling this debt is Presently Portfolio Recover Associates LLC, XXXX : XXXX. My complaint is about their fraudulent use of " spoofing '', using technology that allows Portfolio Recovery Associates to create fake caller I.D . numbers to mislead who is calling me on my cell phone, the latest number they used that was on my phone XXXX cell, was XXXX XXXX, others XXXX XXXX, usa, XXXX XXXX all false caller id numbers, this is fraudulent representation of themselves in regards to who is calling me, Portfolio Recovery Associates. sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I asked this debt collecter for a list of their office branches if they had more than one, they hung up. SS # XXXX please leave my personal information in this document! Do NOT REMOVE IT FOR THE LEGAL RECORD
Consumer complaint received 2023-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Experian Information Solutions Inc. (CA)

( I thought I would include Experian in this group ) Since Dealer Track is in partnership with XXXX XXXX XXXX XXXX, I would like The Experian and XXXX XXXX  to answer me and the Consumer Financial Protection Bureau what is Experian and XXXX XXXX is agreeing with XXXX XXXX XXXX of XXXX with? That is on attachment c-3, as it states on page three under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? 
Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, you may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment B XXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? 
Second point 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? 
Third point why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. 
Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. 
XXXX XXXX, what does XXXX XXXX mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau report.
Consumer complaint received 2023-05-10
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. (MI)

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 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 2023-10-14
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: Experian Information Solutions Inc. (PA)

My identity and information was used without my authorization. There are several inquires on my report that I did not authorize. Please investigate and remove all unauthorized inquires on my credit report listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-27
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: Experian Information Solutions Inc. (GA)

experian will not dispute fraud items on credit report have filed a police report with local police and with identitytheft.gov and sent them to them still unable to get items remove.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (AZ)

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681, section 602 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b a creditor may not treat, a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

COMPLAINT TO BUREAU OF CONSUMER FINANCE I am an XXXX XXXX XXXX senior citizen. My laptop was hacked on XX/XX/XXXX and I was scammed of {$65000.00} in a wire transfer to XXXX  XXXX XXXX in California through my HSBC bank on XX/XX/XXXX. This amount is the bulk of my retirement savings and is of serious concern. Once the scam was discovered on XX/XX/XXXX a recall of my funds was initiated via HSBC but to no avail. HSBC issued a receipt showing Date Available of my funds as being XX/XX/XXXX, a full 5 days after the wire transfer to XXXX XXXXXXXX XXXX. Unfortunately, HSBC has not been supportive despite my having been a long-standing HSBC Premier customer. I believe that HSBC has a responsibility to me and to the return of my retirement savings. 
Also, I have communicated with the XXXX District Attorney 's Office, the NY Police at XXXX Precinct, and the Federal Trade Commission. 
XX/XX/2023 2023
Consumer complaint received 2023-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accscient, LLC (GA)

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 in 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 consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} NATIONWIDE RECOVERY SERV - {$1400.00}
Consumer complaint received 2023-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (GA)

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 in 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 consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} XXXX XXXX XXXX - {$1400.00} Inquiries : XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-14
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. (VA)

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. 

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 2023-10-14
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. (VA)

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. 

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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

When I recently pulled my three credit reports, nearly all of my credit history is completely missing. There are only 4-5 somewhat recent accounts and everything else in all three reports is absent going back to approximately XXXX, when I turned XXXX. 

The addresses associated with where I have lived also have problems dating back to approximately XXXX. The addresses are mostly correct, however, there are duplicate addresses which are listed as single family residences when the address is an apartment complex. 

Also, the name they have listed is not my given birth name. They have my name as " XXXX XXXX XXXX '' when my actual birth name is " XXXX XXXX XXXX XXXX '' All three credit reports are attached
Consumer complaint received 2024-04-05
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. (PA)

Theres accounts on my report listed below that I never done any business with they were opened fraudulently under my name and social I need this accounts to be removed immediately! 

XXXX XXXX XXXX XXXX XXXX owed {$290.00} XXXX XXXX owed {$520.00} 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 result 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 identit theft!! Please delete these items as soon as possible!

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 XXXX  t to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN ION of the consumer to whom it relates. I NEVER gave any consumer ting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (OH)

To Whom it May Concern : Recently, I went in to inquire about a transfer of credit at 0 % offer XXXX XXXX  published recently in my area. I thought I might get two small credit card balances transferred and paid off by transfer and saving a little on the cost of the cards use.. Also, my larger loans at 8 % may have qualified for pay off using this transfer rate, according to internet information I found. However, after being denied, and accepting the denial, my credit score took a dive of XXXX points. Why does asking for credit make the scores dive? I wonder why all the accounts from the past that have been closed and paid in full, as well as the current accounts being paid on time and lacking collection are used for so long a period of years? As I left XXXX XXXX  I talked to a lady who was making a withdrawal and told her my story. She said the bank asked her WHY she was making a large withdrawal? Does the bank have the right to do that? 
Thank you for your help in the past, I am confident your agency will provide guidance to me in the future. 
XXXX XXXX XXXX
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

One day around my birthday about XX/XX/2018, I lost my debit card due to being intoxicated at a party, w a piece of paper with important information. I reported it to the bank and they told me to make a claim which was denied. Ive been trying to make an account ever since but its been the same problem. Im not sure what to do, & due to this I owe them money for something that was out of my control. please get back to me.
Consumer complaint received 2023-10-14
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: CITIBANK, N.A. (CO)

I had to close this account. First Citibank  said they were sending me a new card after fraud and putting hold on my Credit Card number, they never did. And Second, they are still not honoring this dispute : Some company called : XXXX XXXX about {$190.00}
Consumer complaint received 2023-10-14
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. (OH)

To Whom it May Concern : Recently, I went in to inquire about a transfer of credit at 0 % offer XXXX XXXX  published recently in my area. I thought I might get two small credit card balances transferred and paid off by transfer and saving a little on the cost of the cards use.. Also, my larger loans at 8 % may have qualified for pay off using this transfer rate, according to internet information I found. However, after being denied, and accepting the denial, my credit score took a dive of XXXX points. Why does asking for credit make the scores dive? I wonder why all the accounts from the past that have been closed and paid in full, as well as the current accounts being paid on time and lacking collection are used for so long a period of years? As I left XXXX XXXX  I talked to a lady who was making a withdrawal and told her my story. She said the bank asked her WHY she was making a large withdrawal? Does the bank have the right to do that? 
Thank you for your help in the past, I am confident your agency will provide guidance to me in the future. 
XXXX XXXX XXXX
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I received a notice from Caliber Home Loans that effective XX/XX/2018, they are now charging a fee for mortgage payments submitted online or via their app. The only way to avoid this fee is to mail a check or use recurring payments. 

I plan to pay off my mortgage early by making additional monthly principle payments early in the month. Caliber 's new policy now makes it more expensive and time consuming for me to make additional payments and to pay off my mortgage early.
Consumer complaint received 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX, someone applied for credit under my social security number with XXXX/XXXX XXXX. I called XXXX Card services and they say they have sent a request to have the inquiry removed but they refused to tell me any other information except that my name was on the application.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I got a Care Credit card becuase I had to have emergency XXXX  work. A XXXX XXXX, and it went into the XXXX. I had to had a lot of work done. I didn't have a choice. So I got the Care Credit to pay for it. I have been paying on this bill every single moth, sometimes twice a month, and I can never get it paid off. The interest rate has made my total charges almost double what they were to start with. Yes, I did try to call and talk to someone. After being on hold forever, I finally got to speak to someone that didn't speak English very well.I was literally crying. I had no idea what he was saying. So then what do I do? I wrote them a letter and asked about my interest rate. Now I have paid the card late as of today. Here 's the thing : my bill arrived on XX/XX/XXXX. I got it in the mail today ( XX/XX/XXXX ). It arrived on the XXXX, but it was due by the XXXX. How can they send the bill AFTER the due date and charge you late fee, after late fee, after late fee? I truly believe they do this on purpose-send the bill so that it will arrive late and then charge you late fees. I am so disgusted and frustrated. The late fees for this month are {$79.00}. {$79.00} late fee for one month ( late by like 3 days ), when the bill didn't even arrive until after the due date? This company is unethical and deceptive. I'm a single mother with NO child support. I had a medical emergency that was beyond my control. I don't even know what to do.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I am writing to inform you that I have an erroneous item on my credit report. I have asked the company to send proof of documentation, but they have refused. 

I have also asked the three credit bureaus to verify the item, but they have not responded to my request. 

All they would say is that the company says it is real with no verification of the legitamcy of the item. 

I have a fraudulent entry, and they have not assisted in verifying its validity. 

Thank you for your time and attention to this matter.