davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

A credit card from Capital 360 was opened in my name. I contacted them and had them close the account and set an alert. 

I also put a Credit Freeze on XXXX, XXXX, and XXXX. 

What else do I need to do?
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

Over one year ago, I went to my local TD Bank branch location and closed my checking and savings account. When I left that office here in XXXX, Fl, I was assured that the entire account was closed, and there was nothing more that needed to be done. 
Since then, the bank has harrassed me through postal mail insisting that we pay a fee ( {$21.00} ) on a closed account for a " Line of Credit '' which should have been closed at the time when we closed this entire account. 
I have contacted them via phone several months ago and was told that this would be taken care of. Yet, we are still receiving requests for payment and they are now adding interest to it. 
We called today, and the rep told me that there is nothing they can do. 
I made it clear to them that we can not be charged a fee for an account that was closed by their own branch. 
We have no intention of being extorted for this amount. 
Any help you can provide to deal with this ridiculous power play by a big bank would be greatly appreciated.
Consumer complaint received 2021-12-14
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. (NV)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-14
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. (NV)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NM)

Midland Credit Management. they call 15-20 times a day, sometimes 5-6 times in 10 minutes. I have told them I do not have a debt and if they think I do then to send me a letter in the mail of my debt. I have never received a letter and today at XXXX XXXX, they called my wifes employer number after we have told them numerous times not to contact us. They threatened to give information to my wifes employer about me and a debt and then said she has a debt with them too so they can do whatever they want. 

This company needs to stop calling people, follow the guidleines of consumer protection or be sued.
Consumer complaint received 2021-12-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (AL)

I XXXX XXXX entered a consumer credit transaction with Exeter Finance LLC on XXXX XXXX, 2019. I requested Validation of this debt, and Exeter Finance LLC failed to provide it. This is violation of 15 USC 1692g.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ME)

I filed a complaint with your agency and the company, Experian, responded, but did not respond to the issue. After contacting XXXX and Experian to place Security Alerts and Security Freezes on the information they store on me, ( this request was made in response the the XXXX security breech ), Experian lowered my FICO score. There had been no change in my credit history other than my requests to the 2 credit bureaus. When I made my request to Experian, they responded that they would notify the other 2 credit bureaus. In my earlier complaint with your agency, Experian responded that they are unable to determine why my score would change because the algorithm they use is so complex. That is ridiculous. They could easily compare my credit data pre and post their change in the FICO score to determine identify any data that caused the FICO score change. My earlier complaint was not resolved and your agency closed it and indicated it was resolved. You closed it before even determining if it was addressed. You closed it in response to a canned response from the credit bureau. My earlier complaint is # XXXX. 
When I contacted your agency about my complaint by phone yesterday, I was told that 99 % of your cases are resolved. That means that the credit bureaus sent a response 99 % of the time. This does not mean that 99 % of the complaints filed with your agency were resolved.
Consumer complaint received 2017-11-09
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. (MD)

Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (PA)

I have not use my card since XXXX of 2020 because I had open issues with unemployment that will finally lifted in XXXX no money was supposed to be released to my account but it was I have three emails from US Bank saying unemployment ask them to issue me a new cards this whole time they were blaming me telling me that they have phone call records of me calling and everything up until 3 weeks ago when I showed them the evidence it wasn't me and they're still a problem
Consumer complaint received 2017-11-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

Around XXXX XXXX XXXX, I was approved for a trial loan modification. My trial payments were to begin XXXX, XXXX, XXXX XXXX. I never signed any documentation in fact the readable trial loan modification documents came late. However, the correct paperwork that showed how much my trial loan payment would be. Fast forward in XXXX after several emails and calls I received loan modification paperwork with 2 additional names on the documents in addition to mine. I called the bank and the stated it would be escalated and corrected. So from XXXX through XXXX the bank and I were gong back to get correct documents. I received a denied loan modification do to the fact I did not signed the incorrect loan documents. I then appealed the denial for not being able to signed the loan modification documents because they had other people names on the document not associated to the loan and myself. The appeal came back that the fraudulent names on the loan modification had to be signed. I called and emailed US Bank several times for assistance because the same reason they were deny my modification was same reason I could not signed the modification documents. Finally, I supervisor by the name XXXX XXXX did her job and email there mortgage appoint assistant again explaining how it was an error or there end. So fast forward to XXXX/XXXX/XXXX. I receive an email by XXXX XXXX, a US bank rep manager and she explains she will XXXX the correct documents to me so I can sign. In the meantime they send me back one check in my deceased mothers name. They start to mail all documents in my deceased mothers name even though when I was paying they were sending it in my name, plus all the checks were coming from me. On XXXX XXXX when US Bank Rep told me she was sending the correct documents. On XXXX XXXX, XXXX I received a foreclosure notice and auction sale date of XXXX/XXXX/XXXX and they attached it to the door today. Now I paid all trial periods on time and paid over my trial months, the error was on US Bank. Now I have been embarrassed by neighbors, my kids are worried, and stressed that we are going to loose our home. In which I did everything I was supposed to do on my end. I did mail back the correct documents today XXXX/XXXX/XXXX once I received them on XXXX/XXXX/XXXX. The house is under water. I inherited the mess and the bank is not giving me any mercy for their error or a principal reduction. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP (TN)

There are reports contained in my credit file that are well over ten years old like XXXX XXXX and Security Finance and I need them removed. 
I need to know what I need to do to get this done, so I can begin to work on a fresh start. 
Thank you for your time.
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX is currently reporting that I have balance increases for all XXXX accounts although I recently received an email from the XXXX XXXX XXXX dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (TX)

On XXXX XXXX I attempted to place an online grocery order with XXXX when there was an error and a hold placed on my card for {$160.00} but the order/transaction was never processed when I went to try again with the correct time it said I had insufficient funds. I contacted both parties immediately. On Friday XX/XX/XXXX at XXXX a member of XXXX escalation team, XXXX released the hold for the funds of {$160.00}. I informed Current through chat and have been in contact with both entities multiple times. Current refuses to listen or escalate the issue. When I ask for a supervisor they refuse. They have apparently been telling customers for months that their phone lines are down. Current bank has told me they do not have my funds and to get a refund from XXXX. I have confirmed multiple times that there is no hold be XXXX nor an order to refund since it didnt go through. XXXX escalated me several times for this matter. I had to track down Current Banks issuing lender, XXXX XXXX at XXXX am today XX/XX/22, and call their customer service. The lady was kind enough to transfer my call to the current employee live where I was told two conflicting reasons, refused again to have any sort of escalation or help of any kind. I have multiple chat logs with both as well as calls back and forth with XXXX. I trust XXXX when they tell me they do not have my funds. I do not trust a bank that doesnt even allow customer calls had I known that I would never have joined Current bank. I dont want anyone else to have to go through this nightmare.
Consumer complaint received 2022-04-14
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. (NY)

In accordance with the Fair Credit Reporting act Convergent Account XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 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 permission
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

I deposited a check Thur the us bank app and my check was cleared Thur the bank I wrote the check on and us bank is still holding back over {$2500.00} of my fund which the whole amount of the deposit was cleared
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The card account is reporting incorrectly on my Equifax report as a closed collection account. The XXXX XXXX account was never in collections and should reflect a XXXX  balance. This account should reflect a closed account with a XXXX  balance and the historical account records should reflect that it was never a collection account.
Consumer complaint received 2017-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Equifax has taken longer than 30 days to respond to our request for an investigation. We mailed a letter to the almost two months ago, asking them to correct errors on our credit report. We have yet to receive a response from Equifax.
Consumer complaint received 2021-12-14
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. (FL)

Opinion based on facts ... ..my score according to XXXX as of XXXX XXXX XXXX and my wife XXXX. However when shopping for finances our scores with lenders are considerably less disqualifying us for any number of assorted financial options from refinance, to new mortgage, to home equity and or personal loans. Lenders use third party providers who DO NOT HAVE CURRENT ACCURATE INFORMATION. ( FACT ) USE THEIR OWN INTERNAL ALGERITHIMS TO CALCULATE CREDIT WORTHINESS AND PLACE CONSUMERS INTO FINACIAL DURESS. In my opinion a facade, conspiracy, corruption of emmense proportions. As stated their practice disqualifies people who HAVE a higher LIGIT score and are within guidelines for loans for such as XXXX typed and or forces them to accept a higher interest rate and worse terms and can cause even harsher financial duress. This shame or blight should be stopped immediatel but in all the years it has persisted this CFPB has done nothing ... F A C T. Note my fellow Americans the great evil placed upon us all.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WA)

I opened an account with chase bank. When I opened my account I tries depositing checks into the account and the checks had came out of the persons account that they drafted out of. Chase has received the funds and is refusing to credit my account for the amount of the four checks which is XXXX. They have hung up on me after calling them to discuss the account after being placed on hold I was hung up on and never received a call back. I really don't understand how chase can just straight up steal my money from me. The checks cleared and where taken out of the person account they had been written from and this is beyond ridiculous and crazy that this can actually be happening I just dont understand or get it. Chase needs to resolve this issue immediately as to me this is theft and they have no right to just take my money when there has been nothing wrong done on my part.
Consumer complaint received 2017-11-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.
Consumer complaint received 2023-03-10
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. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal has permanently closed my account XXXX Theres no reason for that Then emailed me that my money will be in hold for XXXX days For no reason I tried to reach customer service Automatic reply is the only thing I get I tried to telephone them But they show no care Without explaning why
Consumer complaint received 2021-12-14
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-14
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2024-03-10
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. (TN)

I am writing to formally dispute the inaccurate closed accounts listed on my credit report. After reviewing my credit report the information regarding these closed accounts is inaccurate and should be removed. The company failed to send a 1099c form from the IRS, the cancellation of debt form was not received. Under FCRA 15 U.S.C. 1681e ( b ) this company violated, and the agencies are required " to follow reasonable procedures to assure maximum possible accuracy. 

Upon checking my credit report I have found these inaccurate accounts XXXX XXXX XXXX XXXX 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 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation (TN)

There are reports contained in my credit file that are well over XXXX years old like World Finance and XXXX XXXX and I need them removed. 
I need to know what I need to do to get this done, so I can begin to work on a fresh start. 
Thank you for your time.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CO)

On XXXX/XXXX/XXXX, two years ago we bought a television at Best Buy, purchased as a promotion with no interest for two years on a XXXX XXXX Without much thought, we used the same card with its available credit for other purchases. When the promo period ended, XXXX XXXX, the deferred interest charge of {$720.00} had been applied to the amount due. Upon further research, at no time after other purchases had been made, were monthly payments or a portion of payment applied to the original purchase, only the subsequent purchases. If this interest is not paid in-full this month, it deems our account over the limit and will incur a fee of {$37.00}
Consumer complaint received 2022-05-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In accordance with the Fair Credit Reporting act ; The Vendors/accounts listed below have violated my federally protected rights to privacy under 15 USC 1681 1 ) Bank of America ( account beginning with XXXX ) 2 ) XXXX XXXX  ( account beginning with XXXX ) 3 ) XXXX XXXX ( account beginning with XXXX ) 15 USC 1681 section 602A states I have the right to privacy. 

15 USC 1681 section 604A subsection 2 states that any company can not furnish information without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states that any consumer reporting agency may not report any adverse or negative items other that criminal convictions of crimes which predates the report by more than 7 years.