davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Consumer complaint received 2020-03-10
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: Experian Information Solutions Inc. (MO)

I have filed a dispute with experian multiple times via online and also by mail. I have submitted documentation to verify my identity and to notify them that my identity was once stolen and I have never had any auto loans or leased any vehicles. My identity was stolen In 2013 and XXXX  and XXXX  have removed XXXX consumer auto loan off my credit but experian refused to remove it. I also sent a letter stating that by federal guidelines that i wanted copies of the original documentation that was used to determine the investigation results and experian have failed to provide that.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX2020 I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to XXXX, Experian and XXXX. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from credit report.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX2020 I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to XXXX XXXX and Transunion. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from credit report.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Today XX/XX/2024, I tried opening a Personal Checking Account with Capital One after a long while. After filling forms online, there was a number to call. I called the number and where Capital One support sent a link via SMS to verify my identity by taking live phone of my ID, in my case my Government-Issued passport. After multiple failed attempts with error " ID is either expired, crumpled or in a bad shape ''. I was finally able to get a clear photo to verify my identity. 

Then Capital One support placed me on hold for more than 5 minutes up until the call drop. I was hoping the personnel would call back to continue the application but she never did. I called back again to meet another personnel and had to start the whole verification process again. I complete the verification again sent via SMS. Then she also puts me on hold only to later come back to tell me to visit a Capital One branch or a cafe. I asked why do I need to visit a branch before my application would be completed, she couldn't answer and still insisted I visit a branch. 

I figured this might be another case of " an XXXX XXXX  simply doesn't like that my passport was issued in XXXX '' which is the case most of the time ( at least in my case ). I have ran into similar issues with XXXX, XXXX  and XXXX  for discrimination and were all reported to the CFPB until my accounts where opened without stepping foot at a branch. You can't deny an application simply because you don't like where the applicant comes from. 

Another vexing factor is that, Capital One is able to offer me 2 credit cards ( XXXX XXXX, and XXXX ) with this very passport, tax ID documents and even my business documents and statements they requested for but for some reason, a personal checking or saving account requires that I commute to a Capital One branch and I want to assume the closest from my location would probably be XXXX, KY. 

In all three cases with XXXX, XXXX  and XXXX, it appears I simply met the wrong ( discriminatory ) applications personnel unlike my other checking and/or savings account with XXXX, XXXX XXXX , XXXX XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX amongst others which applications were much smoother. 

My experience in American so far is not a pleasant one especially when I ran into businesses/institutions like the above mentioned and now Capital One.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (KY)

To whom this may concern, and I'm going to keep this one very short. 

On XX/XX/year>, I applied for U.S. Bank Business Platinum Card. I filled the application form online, completed the process and got this notice " Thanks for applying. You'll hear from us soon. We're looking over your application and may ask you to provide additional info or documents. You'll certainly hear from us by mail once we have a decision, usually in 7 to 10 business days. '' I called U.S. Bank customer support same night to be redirected to business card application however unfortunately their offices were closed. 

I called in today XX/XX/year> to get an update on the application, only to be told by U.S. Bank personnel that my application was denied because I applied with my ITIN and should only apply with an SSN. This didn't make sense to me because the application clearly stated " SSN / ITIN ( Enter your social Security number or Individual Tax Identification Number ''. 

I told him if that's the case, then there shouldnt have been a section for ITIN as this is misleading and should be taken down immediately. The best I can assume a reasonable support personnel would do or say is U.S. Bank would probably investigate this form and probably make necessary corrections or adjustments. As a business owner myself, my websites and application form should not mislead my partners and customers. And if there happens to be some sort of misleading information, I think its worth investigating. 

So, I asked him, what if after submitting my application, then I get a hard pull on my credit reports and I call U.S. Bank and the response is " sorry no ITINs ''. His response was there wasn't a hard pull so that justifies the unprofessional services I has personally received from U.S. Bank Business Section. And then kept saying " there's nothing we can do about your application ''. 

What is more vexing in this matter is that, I applied for a personal secured credit card online around XXXX, XXXX. Filled a form online that also clearly stated " SSN / ITIN ''. Was approved and serving its purpose. 

So, unless this personnel from U.S. Bank this that I am an XXXX or is simply another ignorant banker I have come across during my recent years in the United States. Then that form should state out and request accurate personal information. Otherwise, U.S. Bank collecting ITIN information from all potential business card customer just for kicks is a major problem. 

Please see attached your online application form. Apparently, it turns out my ITIN is not an ITIN and the IRS is confused according to somebody at U.S. Bank Business Application.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation (VA)

I received a notice of collection for a bill that was never received. XXXX send bills by mail if a transponder didn't work. they claim they sent multiple notices but I have never received either notice and they charged an XXXX admin fee for a {$21.00} toll. I have called the NCC ( debt collector ) and XXXX and they keep referring me back and forth with no resolution. The reference number for NCC is XXXX
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (ME)

I received a phone call on XXXX from an unknown Massachusetts phone number. I placed a call back at XXXX and a woman answered the phone laughing with one of her co workers. I was alarmed immediately at the lack of customer service. She informed me of an account for XXXX  cable in her office. I began to ask some simple clarifying questions in regards to the account. She tells me she can not tell me the date the file was placed with her and that this would be reported to the national credit bureaus. She then proceeded to tell me that I NEED to pay my bill. I felt very abused and felt as though she was trying to force me into paying. This felt very abusive and unfair. This seemed to be a means of deception to force me to pay my bill. I then placed a call back at XXXX to speak with a supervisor to file a complaint and inform her I felt the last agent was in violation. I informed her of the agent laughing and the supervisor places me on hold and comes back and tells me she listened to the call and thought the agent was coughing, this was a blatant lie as the agent was clearly laughing with her coworker with her phone not muted. I asked the supervisor how they handle files when agents violate the fdcpa and her response was that they look into it but the files still remain open and active. I continued to ask about the account and what would happen. I asked her why a company from Texas is calling from a Massachusetts phone number and she says they call with phone numbers based on the state I live in. She knew I lived in Maine which was another lie by the supervisor. I felt as though she did not care at all about my phone call and my complaint in regards to the previous agents violation. I asked to speak with someone above her in the company. She proceeds to transfer me to a voicemail box of the executive relations office. I left a voicemail and was told I would receive a call in 1 to 3 business days. As of today I still have not heard back from that department. So I placed another call today XX/XX/XXXX and spoke with an agent. And once again was shocked at what I was told. The agent told me that this would be reported to the credit bureaus by end of week and that this would LOWER my credit report and that if I disputed the account it would look NEGATIVE on my credit report. I asked the agent when the file was placed with them and she told me on XX/XX/XXXX and that they sent one letter and it was returned as they had an old address. I then asked how many times they had called. She said only the call on XXXX. She then proceeds to tell me they are calling my cell phone on an auto dialing system. So this agency has made no efforts to contact me and has violated the FDCPA in a few ways. They are misleading. Abusive. And seem not to care about regulations or treating consumers professionally and abiding by the FDCPA. I want this file closed with this agency immediately and returned to the original creditor.
Consumer complaint received 2023-01-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$65.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

In XX/XX/2021 I disputed these student loan account. They came back as I COSIGNED them. As a COSIGNER it means I signed a document. It means my SIGNATURE is on the original document. Unless they have proofs of my signature which is impossible since I never co-signed any student loan, I want these accounts to be removed from my credit report.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/2021 I disputed these student loan account. They came back as I COSIGNED them. As a COSIGNER it means I signed a document. It means my SIGNATURE is on the original document. Unless they have proofs of my signature which is impossible since I never co-signed any student loan, I want these accounts to be removed from my credit report.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion, XXXX  and XXXX  are purposefully, willingly and knowingly lowering peoples scores and reporting inaccurate information on reports. I get my score of XXXX and then go to the bank the next day and it is 200 points lower for no reason other than they are purposefully lowering peoples scores. I will never finance anything ever again.
Consumer complaint received 2021-01-14
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: Navient Solutions, LLC. (WA)

XXXX, XXXX and XXXX are purposefully, willingly and knowingly lowering peoples scores and reporting inaccurate information on reports. I get my score of XXXX  and then go to the bank the next day and it is 200 points lower for no reason other than they are purposefully lowering peoples scores. I will never finance anything ever again.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my XXXX  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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (TX)

In XXXX, we moved back to XXXX. During that time I was locked out of the app to make a payment and it got over looked between the holidays and the struggle of moving. As soon as I realized, in XXXX, I called Harley and caught up all late payments via the telephone. They are reporting the Harley as a repo, however it was never repoed and is now current on payments.
Consumer complaint received 2024-02-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (IL)

So, on XX/XX/XXXX, I paid off this account. I paid XXXX to pay this account. The payment cleared my bank account XX/XX/XXXX. I am providing a confirmation letter to confirm that they received the payment. But the issue is that World Finance Corp. is reporting this account incorrectly. Instead of showing closed and paid as of XX/XX/XXXX. It is showing Charge-off and updated as of XX/XX/XXXX. I have disputed this account before because the information was incorrect. Also, it is being reported as a medical debt, which it is not a medical debt. XXXX as of XX/XX/XXXX, shows it as a medical debt and charge-off with a status update for XX/XX/XXXX making the collection account only one month old which is not correct. For XXXX it is being reported as a brand-new collection as of XX/XX/XXXX. It is marked late XX/XX/XXXX ( 30 day late ), XX/XX/XXXX ( 60 day late ), XX/XX/XXXX ( 90 day late ), XX/XX/XXXX is marked as a collection and XX/XX/XXXX is also marked a collection. Also marked as an " unpaid balance ''.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

XX/XX/2024 - I called USAA requesting a XXXX XXXX for the sale of existing home, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was referred to XXXX. 

XX/XX/2024 called XXXX and requested the XXXX XXXX They told me that I would be mailed a letter with a link and a code in XXXX days to retrieve the report. 

XX/XX/2024 received letter from XXXX, and logged into their site and downloaded the Consumer Disclosure Report. Page 51 of that report shows the address for a home that we do not currently own or insure. 

XX/XX/2024 Called USAA on several occasions this day. Spoke to XXXX and XXXX with the XXXX XXXX business for USAA. On those occasions we were told to call XXXX @ XXXX to resolve the wrong risk address in the XXXX  report.. 
We reitterated that the data was retrieved by XXXX, USAA generated the data based on a request for a Home Owners Policy and that policy was not in effect.
Consumer complaint received 2023-06-21
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: Source Receivables Management LLC (MI)

Spoke with representative from XXXX advised that I needed to contact the collection agency. I called and talked to a representative who in turn gave me a fax number so I can submit the necessary documentation. I was incarcerated at the time the said account was opened as well as numerous inquiries were made at that time. I have submitted the necessary dicumentation
Consumer complaint received 2023-06-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp. (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX XXXX my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

This involves Comenity Bank apart of XXXX XXXX. So I have XXXX credit cards by them for different stores and general use cards. I have a XXXX XXXX card ( they told consumers last minute they were discontinuing the card service on XX/XX/XXXX - so I wanted to make my final balance payment before they closed all XXXX consumer cards ) which is due on XX/XX/XXXX, then a XXXX XXXX card due XX/XX/2022 and a Comenity Credit Card due XX/XX/2022. I like to pay them a little earlier so I logged on XXXX days ago to pay all three, since that is when I receive part of my biweekly paycheck, and im told their system is down. 

I tried again at all times during the day and no lucky to my payment ( Now I am in fear like others that I will be reported for being late when Comenity doesnt give you any options to pay it by phone, by mail or online - if they state they have system issues and are closed ). Today, they taste their system is still undergoing an update, some noticed this has been going on for weeks now, people got reported late by credit bureau, I am fearful that will happen to me too, as I am trying to payment my bills on time, and I would have been on time had their site, or call centers been open. Alas, they are not. You try to log in, they have errors, everyone 's card is " XXXX '' or they cant pay their bill or cant use it in stores. You try to call in your payment, their call centers are closed and they dont know when theyll return messages and calls. It smell of fraud or huge security breach.