davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
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. (NY)

On XXXX XXXX, 2017 I sent a certified validation letter, with signature requested, to XXXX XXXX XXXX, XXXX to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX, 2017, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.
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: EQUIFAX, INC. (MD)

This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00}
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (LA)

Discover Card new in 2022 all bills paid out. In XXXX insurance on my primary home and rental came due had requested both companies for change due to XXXX premium increases. Time got short was asked to use credit card approx. amount around {$5000.00} for both was approved by Discover They would send email over limit. I called my bank was making XXXX payment to Discover which they required only {$800.00} but instead I paid out full amount. Then received email from XXXX for IRS info I call Discover about if this was a problem ok filled out IRS form Seems I didnt finish filling out so I called back a lady explained what happened the form was hard to read but we got it done. NEVER did either those whom I spoke with at Discover or XXXX inform me that my card would be discontinued. This was found out when I tried to use the card at a gas station. So I called Discover to find out what went wrong spoke to another personnel who was not very helpful so I requested the Supervisor XXXX XXXX she said that XXXX in my email that my account would be close til they finish with my investigation from the IRS. I have the email from XXXX and there is no where that it states my account would be closed and unable to use til further notice. This is not the first time a Credit Company has shut me down without any reason XXXX XXXX close my account when I had to evacuate from hurricane Ida. I'm on the Interstate with my sister whom has XXXX and XXXX and a XXXX ft travel trailer once I again has funds to get us home. I Did Not Have a problem with making payments or paying any of my bills to either of these companies and to do this kind business is unthinkable I'm XXXX yrs and care for a XXXX  sister i cant even begin to express the shock and disbelief to have this unquestionable events to occur. This needs to stop they should be reprimanded. XXXX needs to be made responsible for their actions also. Let it be clear I requested to be tape in my conversations with Discover and I sent letters to XXXX and XXXX XXXX. I have now recent filed for a new credit card with my bank and have been approved. I will like to hear of a response and or any action that any occur as a result of this complaint. Regards XXXX XXXX
Consumer complaint received 2022-05-28
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: Specialized Collection Systems, Inc. (TX)

Specialized Collection System, INC. violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. On XX/XX/2022, XX/XX/2022, and XX/XX/2022 ; i received a call from Specialized Collection System , Inc. trying to communicate with me in an attempt to collect a debt. In which, the phone calls i received violated my rights as a consumer.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00}
Consumer complaint received 2022-05-28
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: NAVY FEDERAL CREDIT UNION (VA)

I informed Navy Federal Credit Union of my husbands unauthorized use of my credit for line of credit approval. 

My name is not on the checking account. 
I dont have and never had access to line of credit, but listed as a co borrower. 
I requested yo have my name removed due to unauthorized use of my XXXX, which Navy Federal Credit union refusal to remove off my credit
Consumer complaint received 2022-05-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (IL)

on or about XX/XX/XXXX there were funds taking out of my checking account and that I spoke to nave federal as to why I made a agreement that the honored for XX/XX/XXXX in which I was read privacy notice .But every time my payment is due the never could honor the agreement .Going forward so on the XXXX of XXXX monies was put back on a XXXX every XXXX someone excess my account .monies was put back into my account only to take out for XXXX payment toward my go rewards credit card on XX/XX/XXXX again some XXXX took out XXXX. XXXX toward my credit card account in which it wasn't due until XX/XX/XXXX another payment was taking out in the amount of XXXX or XXXX My payment is for XXXX every month and also I made a payment eternal transfer from saving to checking and XXXX XX/XX/XXXX another payment was taking out and my in XXXX it was over XXXX dollars between my savings and checking on XXXX XXXX I was headed to XXXX XXXX and looked at my account to make sure I had moneys for my part and saw that it was XXXX I left in my savings and that someone from navy federal had access my account and took payment for XX/XX/XXXX that was not authorized none where as from XX/XX/XXXX I am not happy at this point because this has been a ongoing problem and hardship for me. at points and times there maybe deposit that family makes eternally they show up as some of the things that goes on with navy Federal to cover up other deposit entering into my account
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My fraudulent charges claim with Bank of America was denied. The following charges from XXXX ( {$16000.00} ) from XX/XX/22 thru XX/XX/22. The following charges from XXXX ( {$6900.00} ) from XX/XX/22 thru XX/XX/22. The following charges from XXXX XXXX ( {$2000.00} ) from XX/XX/22 thru XX/XX/22.
Consumer complaint received 2020-11-07
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 (WA)

I hold two credit cards with Capital One. One card ends in XXXX and the other ends in XXXX. On XX/XX/2020, my bank transferred to Capital One a payment of {$800.00} towards the balance of the card ending in XXXX. The payment was misapplied and credited towards the card in XXXX. This caused a series of events to include ; 1 ) 47 point drop of my XXXX score, 2 ) late past due fees 3 ) additional interest charges to exceed {$100.00}. 
4 ) Multiple calls to Capital One met with polite condescending answers and no reversal of their actions toward the misapplied payment being placed in the correct account that was due payment and removal of the penalty charges. 

This has negatively impacted my credit score by 47 points and affected my ability to refinance my home especially now with COVID. Further, the due date of payment assigned- the eighth of each month, will ALWAYS make my payments at Capital One late because my bank takes a day or two to transfer the funds. I told a Capital One rep of that problem and their response was OPEN A CAPITAL ONE bank account.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I fist received text messages from Citizens Bank in XX/XX/XXXX congratulating me on my new account. 

I have never had any accounts or business whatsoever with Citizens Bank, so this account must have been opened via fraud. 

I then received communication in the mail from Citizens Bank N.A. on approximately XX/XX/XXXX that I had an overdrawn checking account and owed {$49.00} of overdraft fees. 

I contacted Citizens Bank, they documented my complaint and advised me to report the case to the FTC.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

i have called and complained to and on capital one already about this issue and they are saying they can't and won't help me i want my lost wages back or i will sue them. it's not my employer 's fault. they paid me into my capital one account which i closed due to being a victim of identity them my money wanted into my account which I was being watched yes, I failed to report it to capital one prior to closing in it because I didn't know how to. a stranger was watching my online access to XXXX for a XXXX  before i went on a removed them twice i even had old numbers and emails removed by capital one personal that didn't belong to me. XXXX  on the capital one credit card side and checking account side. my ssn is exposed on the dark web and so is my name and dob i can never take that back. i worked hard for my money.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX  has incorrect information on my credit report, I notified XXXX XXXX XXXX XXXX about this they said XXXX  reported the information incorrect, I am not disputing anything on my credit report on my XXXX XXXX XXXX XXXX credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with XXXX XXXX XXXX XXXX about my credit card please fix this
Consumer complaint received 2021-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Last year on XX/XX/XXXX of 2020 I went to XXXX 'XXXX XXXX  XXXX to purchase a new vehicle they unauthorizingly ran my credit report through four different bureaus to find me rates on my new vehicle purchase I did not authorize them in any way shape or form by signature electronic signature verbal or otherwise to run my credit through more than ally financial They persisted to run it through four different bureaus without my consent and that's against the Fair credit reporting act and against state and federal law. 
1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX. XXXX XXXX XXXX 4. Duplicate for XXXX XXXX XXXX XXXX XXXX XXXX  dated XXXX is valid. 
I have disputed this with the company itself with no response from them I took it upon myself to call each of the credit bureau is finally and have this process and the proper way to where I'm filing police reports and sending each credit bureau authorized documentation showing that I did not authorize these illegal credit pulls.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

All 3 reporting bureaus are reporting inaccurate ERRONOUS incomplete incorrect information. I filled a colloquium in XXXX. XXXX with cfpb 1 date open incorrect 2 amount of loans incorrect 3 terms of loan in correct ( as in number of months ) 4. Reported payments made. No payments have ever been made 5 1st date deliquenxy 6 last date active incorrect 7 pay history incorrect 8 account status incorrect 9 they're reporting 22 loans I only HAD 9 loans 10 is been over 60 days they still haven't verified the info on my report to the cfpb plz remove due to fcra violations and negating to report info accurately
Consumer complaint received 2019-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Fundling LLC has reported on my credit report as a collection item. I do not have an agreement to pay to that company. I have disputed the debt with the company and XXXX and have been told the debt is verified as accurate nor have I been sent an documentation proving the debt is mine. I dispute this debt and they do not have the right to collect or report on my credit as a debt owed to Midland Funding LLC. I demand they remove from my credit immediatly per the FCRA.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (PA)

On XX/XX/2022 I received a credit statement of purchases I did not make or authorize, I contacted Indigo Credit card and notified them of fraud charges, I had paid {$40.00} so accurate account balance is now - & XXXX XXXX dollars they removed the XXXX dollars and closed card and issued me new one of which i will receive in 7-10 days, today XX/XX/2022 i saw they reported debt to credit bureas, XXXX XXXX XXXX XXXX XXXX XXXX, as open and XXXX balance incorrect my credit score also took a hit of XXXX points collectively on all 3 major reporting bureaus
Consumer complaint received 2022-05-28
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: Credence Resource Management, LLC (OH)

Credence Resource Management LLC reported an account from XXXX XXXX  that was closed in XX/XX/XXXX as an open delinquent account since XX/XX/XXXX every single month on the earliest date Possible. They know it is incorrect and continue to harass me and report inaccurate unverifiable information. I told them they are reporting a inaccurate address and the still have continued to do it. These reports has caused an adverse effect to my life during the pandemic and I have a right to sue for damages and harassment. They have threatened to find ways to harass me and have threatened me but people need to know the lengths these type of people the fcra rights were made for. Account balance XXXX
Consumer complaint received 2019-07-31
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. (GA)

After placing a security freeze with each of the 3 credit reporting companies ( XXXX, XXXX & Experian ), I attempted to access how I would remove the freeze from each company. After successfully determining the steps with XXXX  & XXXX, I found Experian to be extremely difficult to remove the freeze using their website and 800 phone line. Both options were unresponsive or accommodating. It was impossible to interact with an agent to get information or lift the freeze. I would be greatly appreciative if you could work with their organization to make them provide a more user friendly means of removing a freeze once its been put in place so the general public can be protected and easily restore their credit reporting accessibility when necessary. 

Your assistance in addressing this difficulty is greatly appreciated. Regards
Consumer complaint received 2022-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP (MI)

CONGRESS COLLECTION XXXX  AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$60.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ... ....
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (WA)

I applied for CareCredit Credit Card and was denied the credit card. I was expecting to receive the reason for the denial and was informed that i was denied for " High risk source of application ''. This is the first time seeing this as a denial so I called Synchrony Bank and just with any situation could not provide me any information to the reason of denial. I have a few credit cards that are through Synchrony Bank. Its not that I havent been denied credit before its just that the explanation that I have always been given has always been clear. It was something that I could interpret by looking over my credit profile. This message of " High risk source of application '' provides no information to guide the consumer to what on my credit profile that was flagged. Two days after being I applied for a home loan and was approved with no issues whatsoever. This made me wonder if Synchrony Bank was pulling the incorrect information from my credit profile. As a consumer if I apply for credit providing these companies with my personal information they should have to be be able to provide unequivocal explanation of the reason why you were denied. I am not expecting them to say, the specific information on my credit profile but what part of my credit profile flagged this. Since I monitor my credit profile fairly close i know if new information is added. I know nothing has changed. I feel confused. Look on the internet and there is no specific explanation to this message they provided me. This doesnt in any way seem like a reasonable expectation.
Consumer complaint received 2023-02-16
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. (IN)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states 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 calls to believe the information is inaccurate.