davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022 I visited a TD branch to open a checking account. The banker helping me asked me to write down my SSN. I refused, saying this constituted a privacy issue and a serious security risk to my personal information. The banker then asked me to giver her my SSN verbally so she could input it into the system. I agreed and gave her the number, and saw that my SSN was stored unobscured for anyone to see! I asked the banker if customer SSN information is available to ANY BANKER AT ANY TIME and was told that yes, SSN are NOT stored obscured or protected and that any banker could simply view a customer 's SSN at will. I cancelled the account application and returned the next day to speak with a manager who confirmed everything the banker had told me. In this day and age it is beyond belief that TD stores customer ID information and SSN information IN THE OPEN FOR ANY BANKER TO SEE. TD has more than 1000 branches in the US, staffed by 8-14 employees on average. That means anywhere from 8000 to 14000 employees can simply pull up a customer 's profile and take down their SSN and driver 's license, DOB and whatever other information. TD is exposing customers to identity theft! Other banks have small keypads available for customers to INPUT their SSN in PRIVACY without the banker knowing or seeing the # 's or perhaps just the last 4 digits.
Consumer complaint received 2022-12-19
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. (MI)

I called XXXX/Experian/XXXX  after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts : on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX : {$1700.00}
Consumer complaint received 2022-12-19
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. (DE)

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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (GA)

NEWREZ/SHELLPOINT IS ILLEGALLY REPORTING LATE PAYMENTS FOR ACCOUNT XXXX  15 USC 1681a section 2 provides exclusions to the term " consumer report ''. The term " consumer report '' does not include : Any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NJ)

I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " CAVALRY PORTFOLIO SERV ( CITIBANK ) '' collection account on the XXXX credit bureaus, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account. See attached a screenshot of the account that is not mine.
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Approximately one year ago, I went on line to freeze my credit account at Equifax. 
I signed up and created an account just as I had for the other two credit bureaus. 
However, Equifax said that I could freeze my account at that time. 
I thought that was strange, but I let it pass and figured I would try again later. 
It was later that I heard about the data breach at Equifax, and thought maybe that was the reason for this. So I put doing the freeze on hold until today ( XX/XX/2019 ). 
I again, tried to put a freeze on my account, but the on-line system said I should call them. 
So I did. 
I spoke to someone and was told that based on the information I provided on signing up, I could not freeze my account on-line. When I ask why, I was told that they did not know, just that I could not use the on-line services. I then spoke to supervisor XXXX XXXX employee number XXXX ), and after going through the whole verification process and holding on again, she said the same thing. I could not use the on-line services, there was no way to correct the problem, and no one to talk to who could correct the problem. That was just the way it was and there was nothing they could do to fix it. 
So, I can not freeze my credit info at Equifax, and they offer no way to correct this problem. My credit is vulnerable ( especially with a company that already had a data breach ), and I am given no method to fix the problem.
Consumer complaint received 2019-11-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NY)

XXXX XXXX XXXX took a few hundred dollars of tee time money from our golfers and were not supposed to ; we asked them to stop and send it to us and instead they did it again. We asked for it back and waited a couple weeks, then asked again. We finally got frustrated with the way they do business and went with a different golf software. They never sent the check. This began in XX/XX/XXXX. 

About 4 weeks later they contacted us asking for payment and we told them we have clearly not been using their software. They threatened us and we told them to cease and desist since they breached the agreement and we went with an honest software provider. They are a very dishonest company and so is the collections firm. 
the collections company stated : " Satisfactory arrangements have not been made to resolve this obligation to our client. As a construction and building material company, our client has specific remedies at its disposal to pursue satisfaction of the above referenced account. '' They are a tech company providing cloud based software solutions to the golf industry, they are lying and saying they are a " construction and building material company '' so they can utilize collection methods that would otherwise be illegal. This is fraud and a material fabrication. This are a couple of very dishonest companies and they should be investigated. I have heard a lot of other golf courses left XXXX  due to their dishonest business practices. Our lawyer is sending this collections firm a cease and desist. We would appreciate some help as what they are doing is definitely illegal. 

XX/XX/XXXX An email was sent to us requesting we pay {$4300.00} this is false, we have yet to receive a check back from them
Consumer complaint received 2022-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

Due to the current pandemic of covid, cable, satellite and communications companies allow people to open accounts online and because anyone can easily manipulate an identification care, i.e., drivers license, passport, etc., these companies have made it easier for fraudsters to open accounts under anyones identity at any mailing address without proof of residency, i.e., electric bills, lease agreement, deed of trust, cell phone bill, etc. 

When these fraudsters open an account, they dont pay the balance, then the balance is reported to the credit bureau as a default of payment. The companies listed above that allow this, now ask the person whose identity was stolen to provide proof of their identity in literally an 812-page affidavit with copies of proof of residency in order to stop the collectionsthis should be the other way around, these companies should ask the applicant to provide proof of residency. 

Bottom line, the companies above should have some form of regulation if they are going to make it easy for anyone to open an account. I have asked the collection companies and XXXX, the account Ive been reported to open, which I did not nor have I ever done business with XXXX. They refuse unless I provide an 11-page affidavit and provide proof of my residency that I have never lived at the address in question in the outstanding debt. 

They should require some type of two-factor authentication, i.e., a cell phone where they call you and verify the cell phone registered/opened under your name. Something besides fill out our online form with a picture ID that can be forged/altered. They make it easy for anyone to open an account but make it extremely time consuming and difficult along with an inconvenience for you to prove the account was never yours that they opened. This is outlandish and should be addressed through new legislation to help prevent identity theft and consumer anguish. 

In my case, apparently XXXX opened an account through an online application sometime in early XXXX and began collecting on it in XXXX XXXXand I only found out because I monitor my credit report. That said, when they opened the account, they do not report it to the credit bureaus that the account is openedso I could have caught it thenno, they report it to the credit bureaus only when it becomes delinquent. 

In my case, the first report was in XXXX XXXX, and when I disputed it, it was removed only to reappear in XXXX XXXX through CCS Collections and then reverify it on XX/XX/XXXX after I reported it as disputed. I have disputed it again and they refuse to remove it and refuse to provide documents to demonstrate proof that I opened this account.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

My loans are at the moment in deferment due to defrauding case with XXXX. My loan was bought out by Navient while in deferment and has been split into two separate loans collecting interest on each loan when I was only getting hit with one flat interest rate. Now if my case does not go through and I 'd have to pay double interest on two separate loans. I would n't be able to afford that. I ca n't even go back to school if I 'd want to because I ca n't afford to.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2019-03-24
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: EQUIFAX, INC. (NY)

Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was XXXX. I complained to the FTC and also the FBOP because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX XXXX   XXXX  - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX - Opened XX/XX/2018 Balace {$460.00}
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Thu,  XX/XX/XXXX  at   XXXX   XXXX  ,   XXXX   XXXX    wrote:
Dear   XXXX   XXXX  ,
CEO Capital One

I am contacting you re the abusive policies at Capital One  Regarding my Mastercard ending   XXXX   and VISA ending  XXXX  accounts.

I have for several months paid regularly in an effort to bring down my balance on these accounts.  Several times I see that you have charged me with late charges in spite of the fact that I have made regular payments more that the minimum required like clockwork!!!!!  Please see the attached proof of payments.....that you would treat me like this is abusive.  I pay and pay and the balance never comes down even though recently I have not initiated any new transactions.  NOT FAIR!!!!
What the heck is your justification for these fees?  It is because of YOUR fees that my account has go over limit!  Not due to my over indulgent spending.!!!  

You will personally see to it that all these fees are removed from these accounts by close of business on  XX/XX/XXXX and send me a personal confirmation that this has been completed.  If I don't hear back from you by then I will initiate a class action against Capital One and   XXXX   XXXX   for abusive practices regarding interest rates and punitive fees to customers.  Just on   XXXX   there are over 3,480people who have complaints about your business practices.  I know that there are a myriad of complaints regarding your bank and also several other class actions at $ XXXX  that you have had to pay regarding harassing phone calls to customers.  But there may be more coming re actual banking policies.  You need to implement fair and realistic policies regarding revolving accounts at the corporate level or face the consequences of a constant barrage of complaints and bad PR to your company.  I have had it with abusive bankers who are making obscene profits on the backs of working and retired people.  I will be draft a legislative bill to send to my Senators and Representative in both the Federal and State levels to deal with the abuses of the financial corporations.

The choice is yours.......do the right and moral thing here and restore my accounts by removing all extra fees other than interest and you will adjust the interest rate to 12%.  Then recalculate the actual amount owed.  Anything more than 1% per month is abusive.

-- 
Best Regards,   XXXX   XXXX   XXXX     XXXX   XXXX   This letter will be posted to FaceBook on a special page to garner support to fight back against abusive banks.

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Consumer complaint received 2022-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately. 

In accordance with the Fair Credit Reporting act. These accounts 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2017-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last 2015, this credit reporting company would comply to the settlement. According to this link : 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 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

Deceptive and contradictory information via phone so there is no evidence to document. Departments that seem not to communicate with each other causing errors that affect the loan it 's self. Lack of documentation. Previous payment information that almost impossible balance. No yearly ledger. Also School is no longer in business XXXX.
Consumer complaint received 2022-05-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have been with the state employees credit union for more than 20 years, since I was a teenager. Around XXXX, I had some issues with them trying to apply for a mortgage loan. They gave me the runaround from branch to branch until I started complaining about the services and misinformation I was receiving. Then, I requested that my wife and I open an additional share ( savings ) account to start saving money together. It was denied to me for reasons unrelated to my credit or banking history. When they tried to fix their mistake, I refused to do business with them. 
In XXXX I bought my home with no problems and got financing through my builder. Within this year, I tried to refinance my home with the credit union and was denied, despite the fact that my credit score exceeded their " qualification '' expectations. 

Prior to all of this, I also had a personal loan to consolidate my credit cards, and I paid that loan off on time and early. On XX/XX/XXXX, I tried to consolidate them but was denied again. 
I am filing a complaint because I believe the secu has retaliated against my previous complaints against branches and executives. I can not retrieve those prior messages from the portal because their system limits the amount of time before deleting them. 
Filing this complaint is only step to show how the credit union has discrimination and I can say with several other people that I know personal, of color, have experienced this with the credit union. 
I am disgusted that I have always tried to keep a upstanding credit and payment history with the bank, only to express my concern about the miscommunication with trying to purchase a home and they credit union decided to black mail me from any future lending services.
Consumer complaint received 2022-09-27
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate ad correct these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX Balance : {$610.00}
Consumer complaint received 2022-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (PA)

As per the credit reporting agencies, the date this account was opened with Southwest Credit Systems was on XX/XX/2022 ( in the amount of {$550.00} ). There was no correspondence sent to me from this company explaining my rights or steps to take concerning this alleged debt. On XX/XX/2022 this account was posted to my credit file harming my reputation and dropping my score more than 20+ points. I have reached out to the company in reference to this account and their violating of federal law 15 U.S.C.