davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

I am a part of a class action lawsuit now against a security alarm company XXXX due to my credit report being used to provide services to someone whose credit was not sufficient enough. I am filing a complaint against a company XXXX used also under my name for their equipment which is Citizens One who says I owe a balance for service I never knew about nor authorized nor did I give permission to pull my credit. I was informed today that it was done by the sales representative through XXXX that all they needed was my name, DOB, and social security number and that is just how easy it was to put service in my name. Today when speaking with a male from Citizens One to tell them that I my credit report was misused by XXXX to establish service under my name and I wanted charges that Citizens One also established in my name under XXXX to be removed the representative told me I had to talk to the XXXX XXXX XXXX. I asked for an account number and balance so that I could include it in a complaint to the FTC to also investigate Citizens One since they are in with XXXX  on how all this happened the representative said he could only see that I needed to speak with another department. I asked for the address to Citizens One corporate office and the representative refused stating that he was submitting a complaint to the XXXX XXXX XXXX and someone would call me soon. I dont owe this debt and with Citizens One also my credit report was misused for a Citizens One Loan both Citizens One and XXXX  for XXXX XXXX equipment.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Opened an account with Capital One Credit Card 3 weeks ago. A day before my card arrived the card was listed as restricted. I received my card and was not able to activate it due to the restriction. On XX/XX/18, I called to enquire about the restriction and how to resolve it. They sent me a link to submit my personal documents to verify my identity. I was not able to send my SS card as the only proof of name change was my marriage license. I also sent my drivers license, passport, birth cert, XXXX license, bank statement. I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They still stated the documents I sent were not adequate enough. They should have stated that from the first call. No SS card, no approval. I just sent all of my personal documents and I feel that they are fraudulent for not stating that they will ONLY accept a SS number. They have also done a hard pull on my credit. I will cancel the unusable card since they will not accept my current documentation. I want the closing of the card to not affect my credit.
Consumer complaint received 2023-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

I applied to the SAVE repayment plan in XXXX XXXX times. In XX/XX/2023 my application was finally processed and I was placed in the SAVE plan. I was also automatically entered in deferment due to being in school. I requested and filled out paperwork in XX/XX/2023 to have automatic deferment removed from my account. This was not correctly processed and In XX/XX/2023 I was removed from deferment and the save plan and placed back into a local plan. I just want to be placed on the SAVE plan and not automatically be entered into deferment. I have been attempting this since XX/XX/2023.
Consumer complaint received 2023-04-21
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. (AL)

This company account number XXXX violated my rights to privacy against the law. U.S.C 1681section 602 a. States that I have the right to privacy.

And also, U.S.C 1681Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/vantage score i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC. (FL)

ON XX/XX/XXXX, I CALLED ALLY BANK REGARDING A FOREBEARANCE FOR MY HOME MORTGAGE LOAN. THE AGENT READ TO THAT I COULD HAVE 180 DAY FOREBEARANCE UNDER THE CARES ACT. HOWEVER, ALLY WAS ONLY GOING TO OFFER ME 120 DAY FOREBEARANCE AND SHE DID NOT KNOW WHY. HOW IS ALLY ABLE TO VARY FROM THE LAW OR AM I NOT UNDERSTANDING?
Consumer complaint received 2023-03-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I've contacted XXXX on multiple occasions requesting full and complete detailed information giving authorization to open the account XXXX that I was unaware of. They provided a document with personal information stating that it was my digital signature giving them the permission to open the account. I need complete and full digital signature details provided not just my personal information draftedon a document. XXXX of XXXX Is the supposed date of the start of the account.
Consumer complaint received 2024-03-19
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: JPMORGAN CHASE & CO. (CA)

I am the primary cardholder of Chase Freedom with three additional authorized users. In the beginning of XX/XX/2023, my husband and I were traveling in XXXX California, while my XXXX daughters stayed home. On Tuesday, XX/XX/2023 at XXXX XXXX time, I received a fraud alert text message from my credit card company Chase XXXX The notice I have received mentioned that they declined {$750.00} at XXXX. I immediately contacted my daughters to ask about this transaction and learned that my older daughter lost her credit card. I then responded " NO '' to the fraud alert. I later received a message stating that they will close the card and send a new one. Two days later, I saw additional fraudulent charges on my card, I called Chase and disputed the following transactions : XXXX. {$240.00} XXXX. {$1200.00} XXXX. {$460.00} Initially, Chase took those charges out, but at the end of XXXX those charges appeared again on my statement. I called again and appealed few times, their Fraud department notified me that those transactions were valid and they closed the claim. 
During the investigation, I was told I can subtract the disputed amount and pay the rest, but they charged interest on unpaid part. All in all, my credit card was stolen and the mentioned transactions above are fraudulent.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credova Holdings Inc (TX)

Credova illegally sold my account to two other companies. My agreement clearly stated that if my account was to be sold, i was to be notified in writing. That did not occur. They sold my account immediately and I have now been harassed for more than 6 months. The new company has no record of my payments made and can not provide me any information as to who they are or why they hold my account without permission. Additionally, credova tripled the amount due to them in that first 30 days of the installment plan. I have gotten the run around since XX/XX/2022 and no one seems to be able to answer my questions. Additionally, the illegal account holder at the new company also sold my information to a company called XXXX who is now harassing me as well.
Consumer complaint received 2022-10-27
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. (NY)

My name 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX $ {$2100.00} XXXX XXXX XXXX XXXX XXXX  : {$150.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX : {$150.00}.
Consumer complaint received 2023-12-12
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Viking Client Services (CA)

I prepaid for a rental car through XXXX XXXX - ( a XXXX XXXX ) in late XXXX, 2023 for a 9 day rental. This was a fully prepaid amount to cover the total cost of the car. I was told I had no more charges when I signed off on the agreement at the rental car location ( XXXX XXXX XXXX ). When I returned home I was charged over {$500.00} extra for my vehicle. I have noticed according to a number of reviews of that specific XXXX XXXX that this is a very common practice. I have frequently disputed the charges directly with the company and they refuse to resolve the issue. They have since sent my information to a debt collector - Viking Client Services , LLC. I do not owe XXXX a single cent. They are scamming renters by overcharging them hundreds of dollars.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I have an auto loan with Ally for approximately four years. I also NEVER MISSED PAYMENT AND CAN PROVIDE PROOF. Most recently I had made a payment twice in a month only because I had the money available to me so I just made the payment at the end of the month to apply for the next month I didnt think that that would be a problem or cause my account to be delayed. The problem is they never applied the XX/XX/XXXX payment to my XXXX payment. Instead they waited for XXXX to pass and they applied my XXXX payment to XXXX so what happened to my XX/XX/XXXX payment I paid? XX/XX/XXXX is the payment for XXXX and XX/XX/XXXX was for XXXX payment they refuse to correct this and are charging me interest in late fees, claiming that Im  behind when Im not and again I can provide proof. And they also informed me that they going to report this to the credit bureaus when its not even my fault. They refuse to apply the charge to my account correctly I need outside assistance please.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are several account on my credit report opened by fraud. Ive tried disputing a numerous of time but theyve came back as verified due to being tied to fraudulent address thats tied to them. The credit bureau displays an utter lack of professionalism and their id number thats tied to the address means it verified as your account is wrong, and it only perfects the company whom reporting not the people!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I am unable to access my account at Experian and thus unable to unfreeze my credit score. Their system is not accepting my user ID. I have escalated to a manager at Experian customer support, and she was not able to fix the problem. She has escalated internally and they say they are going to look into it, but will not give guidance on how long it will take. Meanwhile, I can not access my Experian account
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: DYNAMIC RECOVERY SERVICES, INC. (AZ)

I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (SC)

Hello, Im writing due to American Express refusing to update my account balance to {$0.00}. I paid the account off in XX/XX/2023. I also spoke with American Express representative who have send me a email saying my account balance is {$0.00}. They are saying theres a block, which is preventing them from reporting it. This is not true per all 3 credit bureaus. When I try to dispute it through all 3 credit bureaus American Express is saying that the account balance and history is current and its not. Ive mailed in all supporting documents including my account statement from them showing the {$0.00} balance but they are still refusing to update it. Ive been asking since XXXX and have not gotten anywhere. Please help!
Consumer complaint received 2023-03-28
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. (CA)

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

XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have right to my 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 State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then convictions of crimes which antedates the report by more then several 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked 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 accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I just wanted to make my voice heard about the Capital One 360 Savings Accounts. As I'm sure you are aware, Capital One took over ING and accounts became " 360 Savings '' and were advertised as high interest. However, only by a fluke glance at current rates and a phone call to them, did I learn they had added a new account named " 360 Performance Savings '' that actually *did* feature higher interest rates, while the " legacy '' accounts only earned .30 %. All the commercials and marketing made me ( and others ) believe we were getting Capital One 's best rates, when really they had managed to create a new line ( with the same exact terms, no new requirements ) and all new accounts were high interest, but all the existing accounts were left earning essentially nothing. There was no communication about this change. The right thing to do would have been to simply raise the rates on all accounts, and just make the switch automatically. I had to close each account i had with them and open a brand new account just to have the new name and rate. It was asinine and I'm ashamed of myself for not just leaving immediately. 

I learned of this approx XX/XX/2022. It was just upon reading an article about it XXXX XXXX XXXX  that I realized this wasn't just me, and that Capital One may have violated the law. It's too late to make a difference for me, but I do hope that going forward, changes will be made to prevent this type of duplicitous and shady behavior by banks.
Consumer complaint received 2024-03-25
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. (CA)

I recently look my credit report and i was shocked to see that i have been victim of identity theft, I found on my credit report fraudulent account : name, address and phone number, that i want to dispute them, I am in the process to buy a new car this fraudulent information harm 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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 U.S.C 1681 XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX 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.