davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-26
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: WELLS FARGO & COMPANY (GA)

I have an account with Wells Fargo bank here in XXXX Georgia I was contacted and told that I had made a reservation for the XXXX  XXXX  in XXXX Georgia which I did not and I reported it to my bank my bank accused me of making this transaction which I did not because when they call the XXXX  XXXX  whoever made this reservation use my address my credentials and my bank took those monies out of my account and did not put them back when I travel to XXXX I didn't even use my Wells Fargo card my bank has have not yet put my bet money back into my account they even took extra money out of my account because there was a overdrawn back in XXXX of another XXXX    another XXXX  XXXX  it all adds up to two   hundred and something dollars but they have yet to put those monies back into my account I did not make any reservation with the XXXX XXXX of XXXX Georgia when I stayed in XXXX Georgia I stay at the XXXX   XXXX XXXX on XXXX  XXXX XXXX and I provided them with that information my name is XXXX XXXX XXXX XXXX my phone number is XXXX
Consumer complaint received 2023-06-27
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. (IL)

The debt being reported as still being owed is officially a cancelled debt. Because the debt is cancelled and can't be validated the debt needs to be updated as as paid in full immediately on all 3 of my consumer reports. Since this is my second time reaching out about this debt and the credit reporting agencies still have done nothing to rectify the matter I will also be filing a XXXX a on the account to have the account audited by the irs. I attached proof of the irs accepting the 1099 C for this debt and by law this debt has to be paid in full since it was officially cancelled.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I answered a solicitation form Capital One ( Walmart ) and got a denial letter on XX/XX/XXXX. I contacted credit reporting agencies and got 3 of 4 reports from, XXXX, XXXX and XXXX and await number 4, XXXX. No report shows me as deceased. I wrote back to Capital One to ascertain who was reporting me deceased and on XX/XX/XXXX they sent my a repeat of the original rejection letter of XX/XX/XXXX not indicating who had made the erroneous report. I am not sure what to do. Credit reporting agencies have no mechanism for me to seek relief. Can you advise me or must I sue Capital One in order to find out who is misinformed?
Consumer complaint received 2024-02-07
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. (CO)

Demand to delete and remove XXXX XXXX A collection on credit report as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a. 
As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law. 
Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties.

Additionally, 5 US Code 552a ( Privacy Act of XXXX ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies. 
In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX is reporting inaccurate information on my credit profile. I have no knowledge of these inquiries that are listed on my credit report profile. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX/XXXX/16 I check my score and transunion was there then on XXXX/XXXX/16 it was removed saying I do n't have a score that 's incorrect please fix and update that issue as soon as possible thank you that an error on transunion
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting ActXXXX 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 an account without my written instructions
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I recently obtained a copy of my credit report and I see inquiries that I did not authorize. This has been extremely frustrating and scary considering someone has been applying for credit using my information.
Consumer complaint received 2023-03-03
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: WELLS FARGO & COMPANY (AZ)

I have an account currently listed on all three of my credit reports listed as WF/FMG with a current balance of {$1100.00}. This account was apart of an ongoing lawsuit with wells fargo company with creating fake accounts and credit lines. I have reached out to Wells Fargo on numerous occasions to let them know this account did not belong to me and asked them to remove this from my credit report. This account is listed as closed on my credit report but is reporting past due when this account does not belong to me.
Consumer complaint received 2023-05-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thaxton Investment Corporation (MI)

On XX/XX/2023 my daughter texted me that I had civil court and the case # was XXXX ; the number the call came from was XXXX and to call XXXX On XX/XX/2023 a voice mail was left on my phone from ( XXXX? ) from Location Services that clearly stated " you have several civil claims or formal complaints filed against you in XXXX XXXX ( mispronounced ) that they will be contacting my place of employment and that once discharged from their office all of my legal rights would be forfeited. 

On XX/XX/2023 I called because I knew I hadn't been served after calling XXXX ; it was then that I was transferred to a female who then was fishing for information, did not cite the mini Miranda, I had not been served, I had not been contacted, I was given one of three options, dispute, financial hardship or cease and desist. I said financial knowing that a lawsuit couldn't be filed ( i am on state XXXX low income ) I called because I hadn't been served but disclosing this information in a text to a third party caused XXXX and violated my rights ; I have the text message and the voice mail and XXXX  the company only to find all of the complaints against this company to the XXXX  began recently and all of the complaints share the same story ; Regardless of the debt itself ; this intimidation is a separate issue and the original creditor or the company that uses Location Services should be liable.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (VA)

I have 2 collections accounts that are not mine on my XXXX  credit report as well as my XXXX and XXXX credit reports. Someone opened up these accounts in my name without my knowledge or permission. The accounts are XXXX XXXXXXXX {$1900.00} /account number : XXXX Date opened XX/XX/2022 Amsher collection services $ XXXX XXXX Date opened XX/XX/2022 Original creditor XXXX
Consumer complaint received 2015-10-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (FL)

I paid the balance of the loan and now they say I owe {$65.00}. My credit union sent them a check for {$1100.00}, which was balance on XX/XX/2015.They received the check XX/XX/2015. Now they say i owe {$65.00}
Consumer complaint received 2024-04-09
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: CITIBANK, N.A. (MI)

My card was used by someone else multiple times per day and they ran up over {$1000.00} in charges at locations I never visit. Upon noticing these charges, the card was replaced and all transactions were reported as fraud. Citi came back later and said I was responsible for these fraudulent charges.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

I spoke with a representative about possibly opening an account. They advertised a promotional plan that would be interest free during the specified period. If there was still a balance after the period then you would start being charged interest. However, now that the promotional period is ended, theyre trying to charge an accrued interest amount from the time over the promotional period. Which was not how this deal was presented to consumers. This is a scam and false advertising to get consumers to open accounts under these pitched deals then charge them ridiculous amounts of interest after the deal has expired. I also tried to resolve the issue by calling the company and explaining this was not how the advertised promotion was presented to me. The response I basically got was, sorry if this was presented incorrectly but towards the end the terms were sent in the online statements. Completely unfair and shady to defraud consumers and blame them for believing the representatives who act/speak on behalf of the company. Representatives need to be held accountable for defrauding consumers wether it is intentional or unintentional. Consumers should not be held liable for the companys staff lies.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

This account is has been showing on my consumer credit reports as a charge-off for XXXX  years plus. Ive been trying to dispute this issue for XXXX  years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( CB/VICSCRT ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2017-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2008 court awarded my exhusband XXXX the property on XXXX in XXXX, Ca. with all encumbrances .. This bank of america loan # XXXX is still showing up on my credit report.. I have contacted bank of america on this subject. This is listed as an invividual on my resent credit reports.. This was a joint account..
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: OneMain Finance Corporation (IL)

1main Financial of XXXX XXXX Illinois submitted multiple, unauthorized drafts to my checking account with XXXX XXXX XXXX located in XXXX XXXX, Il causing the bank to CLOSE my checking account and Savings account. 

They drafted my account EVEN after I submitted a payment. 

Now I owe the credit union over {$300.00} in overdraft fees and worse, 1main has levied non-sufficient fund fines on top of my loan with them. Isn't this illegal??!? What can be done?
Consumer complaint received 2016-10-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Braviant Holdings, LLC (MO)

I sent the company Balance Credit a revocation letter on XXXX/XXXX/16. They acknowledged and agreed to this request on XXXX/XXXX/16. On XXXX/XXXX/16 they debited my checking account for {$220.00}.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M&T BANK CORPORATION (CT)

When made the first attempt to pay the card in full within the on time payment window it was denied due to using my XXXX XXXX account through XXXX. I was told to try the payments again with the card. I made XXXX more attempts to pay the card in full again each being denied this went on for a few weeks. Each person I spoke to didn't have any information or knowledge of what to do and just blamed the account I was using to pay and when I called XXXX they didn't receive the payment at all. 

Finally I just used XXXXXXXX XXXX to pay the balance. Luckily that went through and when I requested the late payment charges be returned and for them to take off the late payment that made my credit score go down over XXXX points they said no. You have to dispute. 

M & T told me to continue trying the payments which led to the payment being late. I was trying to pay off the entire balance it's not like I couldn't afford to pay it or the minimum. I made it clear to them what I was doing and I felt very discouraged with how I was treated. Now my credit has a late payment on it which I'm still in the process of disputing. 

I don't use this card and I never will again after this experience. I'm trying to pay down debt in order to buy a house and it's unfortunate that a large company like this is unable to resolve simple issues within their company. Now my house search is on hold due to there inexperienced staff and abilities to not resolve issues within their own company. 

Hope this helps someone in the future
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (GA)

When trying to change the account from which my monthly payments were automatically drawn from I was given untrue information from PNC bank which ended with XXXX payments being late and thus affecting my credit score. I have tried working with PNC to resolve the issue, but it has not been successful. I 'm simply looking for the recorded phone calls I 've had with PNC to be reviewed to prove their error and my credit score to be adjusted accordingly.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/year>, I mailed the full balance due ( {$21.00} ) to Capital One. The due date was XX/XX/XXXX. My payment didn't post till XX/XX/XXXX. As a result, I was charged a {$21.00} late fee and {$3.00} interest charge. This is NOT the first time this has occurred with Capital One. Since I live in Ohio and the payments go to XXXX XXXX Illinois, I find it hard to believe that it takes 19 days to arrive and be processed. 
Today, XX/XX/XXXX, I called Capital One customer service. I explained my XX/XX/XXXX payment and related, and requested the interest and late fee be removed. The rep would only remove the interest fee of {$3.00} but not the {$21.00} late fee. No reason was given. I asked for a supervisor and was told the same thing. Both the first customer rep and the supervisor suggest paying online or over the phone. I, like many others, prefer paying by check! Last Fall, the same thing happened ... after calling customer service, the late fee of {$28.00} was removed but not the interest charge of {$4.00} as reflected on my XXXX statement. 
I feel Capital One is not being honest in how they process mailed in payments. This is an unfair business practice.
Consumer complaint received 2021-11-24
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. (NM)

I have sent over 3 rounds of letters to the bureaus and they are not responding in a timely manner, it has been well over 30 days and I have not received anything back. They also are violating FDCPA section 807, as this is leading false reporting.