davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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: TD BANK US HOLDING COMPANY (CA)

I was notified by Target Card Services that someone opened a store credit account in my name without my knowledge on XX/XX/2023. I was told the credit card application was instantly approved for {$400.00}. That person then attempted to use the card at a store in Florida on XX/XX/2023 but the transaction did not go through. 

The inquiry for that credit card application is on my record and I would like to dispute that inquiry since it lowered my credit score. Please advise.
Consumer complaint received 2023-01-17
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MD)

On XXXX XXXX XXXX XXXX I received a phone call from the phone number XXXX around XXXX and they left me a voicemail stating they were from the XXXX XXXX XXXX XXXX XXXX and calling in regards to some legal documents that required my attention. They requested I call back at their direct line for XXXX XXXX ( or XXXX, couldn't hear ) XXXX at phone number XXXX. I called that number and was told that I had missed a court date on XX/XX/XXXX that I was subpoenaed for on XX/XX/XXXX. I said I never received any notice of this and never signed any subpoena papers, and knew I was not available on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or I could opt for the civil process in which I would post the bonds attached to each citation, see a handwriting analyst to rule in/out my signature on the subpoena, then get my money back. Throughout all of this they had me withdraw money from savings and checking accounts and make cash advances and balance transfers on all my credit cards. Part of this was a {$5500.00} balance transfer on my Discover credit card. Luckily, I figured out it was a financial scam before the balance transfer posted to my account so I was able to call Discover on XX/XX/XXXX and have them reverse the transaction. With that, there was a {$110.00} transfer fee that was charged to my account. I made a few phone calls and attempted to have that money refunded and was told that could not happen.
Consumer complaint received 2022-02-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-01-17
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. (FL)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (KY)

My mother passed away in XXXX of XXXX and I am the sole beneficiary of her estate. Transferring her vehicle into my name was and still is the last thing I need to do to close out her estate. I have been in contact with Hyundai Motor Finance since XXXX of XXXX asking for the XXXX XXXX XXXX Statement ( XXXX XXXX ), but still have not received it. I've been told numerous times that my case was escalated and would be taken care of, but have not made any progress in getting the requested document. I was told on XXXX that their policy states they had to send the document within 4 business days, but as of today ( XX/XX/XXXX ), I still have not received it. The document has to be faxed to the XXXX XXXX XXXX  and every time I've called, they've confirmed they had the correct fax numbers to send it to and all of the information they had was correct, but can not let me talk to any sort of supervisor or tell me anything as to why the document has not been faxed. I've had numerous reps tell me my case is still in progress, escalated, and all sorts of other great things that sound good over the phone, but do not bring any sort of resolution. At this point, I'm honestly not sure what I can do to get the document and have started looking into XXXX XXXX
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CT)

In XX/XX/XXXX or XX/XX/XXXX I contacted XXXX my cell phone provider about a second line that I was being charged for that was no longer activated and had not been activated. And had not been activated for over 2 years. The rep put me on hold and spoke to a supervisor and put a credit of 200+ on my account for fees paid for that line. A couple weeks later I got a notice of a balance of 280+ dollars. My account had one line at that point and the bill should not have been more than 70 dollars. I called XX/XX/XXXX and was told the credit was reversed. I got irate and threatened to call an attorney I explained it is not legal to give a credit that was approved th en decide to change your mind and demanded the credit be re applied. After a long hold the credit was reapplied and I was told to pay XXXX. My bill cycle started on XX/XX/XXXX I left XXXX due to thi s type of under handed nonsense on XX/XX/XXXX. So I should have been billed for 11 days of service. XX/XX/XXXX I spoke to 2 reps at XXXX XXXX in customer service named XXXX who was able to verify that he sees where the credit was issued but could not adjust it because the account was no longer active. Active or not XXXX is trying to bill me for 85 to 95 dollars that I don't owe them and I will not pay until it is corrected
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (TX)

On XX/XX/2022 a mortgage company did a hard pull on my credit through XXXX XXXX without having my consent. I had no intentions of refinancing my mortgage loan as the interest rates were as high as XXXX XXXX. I was not aware that a hard pull was down on my credit until after XXXX when I reviewed my credit information on XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (NC)

Account was opened XXXX with Ginny 's. The account is using a Florida address that showed up on my credit report. I did not open this account and do not live in Florida. This fraud account shows I owe XXXX and that I am XXXX payments behind. It has negatively impacted my credit score. I want the fraud account closed and have this wrong information removed from my credit report. Have tried calling Ginny 's and they are of no help.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I retained a family court attorney XXXX XXXX to review some perfunctory mediation documents pursuant to completing my divorce. In an effort to retain her I used my Capital One credit card to secure her services. On or about XX/XX/XXXX I received a billing statement from XXXX XXXX in the amount of {$350.00} which I sumitted to Capital One. Susequent to my submission I received a statement from Capital One which showed a charge of {$1500.00} which I didn't have knowledge of nor did I authorize. I later learned that my attorney had used my card to access funds to pay her fees without telling me in despite the fact that I sent her an email telling her that I processed the charge that was on my card and would rather not use my card for any future charges. 

I made a call to Capital One and informed them of all of this and entered into a resolution dispute process in which I learned for the first time that XXXX XXXX had essentially used XXXX to finance her services by apparently charging my card for {$1500.00}. Capital One has not been transparent about their actions with me and I have exhausted every avenue open to remedy what has occurred. This weekend adding insult to injury, Capital One essentially threatened me with additional interest on this alleged transaction. They insisted that I needed to pay them money by XX/XX/XXXX or I would have to pay further interest on the initial charges from this transaction. XXXX XXXX provided me with a screen shot of XXXX notifying her that they had received {$1100.00} from Capital one, which is the balance of what they claim I owe them. Sadly they did this while taking the {$250.00} I remitted to them at their request to avoid being charged additional interest.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

There seems to be a practice among credit card grantors specifically XXXX XXXX  and Comenity Bank in which they appear to be reviewing customers accounts and if their credit score is lower than when they first got approved, the Banks are just closing customers ' accounts and saying it is due to a report received from the credit bureau as if the customer 's credit is bad. I believe this practice is unfair especially if the customer 's account is in good standing with the credit bureaus! like mine!

Within the last 120 days this happen to me twice. ComenityXXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2021 and just recently XXXX XXXX XX/XX/2021. I just happen to get a credit alert from XXXX XXXX today XX/XX/2021 that my account with XXXX XXXX was closed. I got one on Comenity around XX/XX/2021. When I called to inquire as to why ( same with Comenity ) they refuse to reopen my account.

Both of my accounts were in good standing! I have a 15 page document detailing my interaction with Comenity that I have been dying to share online. With XXXX, I wasn't about to go through what I went through with Comenity. I simply told them I am going to file a complaint and sue them. I'm waiting on the same letter Comenity sent me which I received in the mail 3 weeks after my account was closed, ( See attached Letter and that information was not even correct with what the credit bureaus actually had ) telling me basically after doing a review of my account I was no longer credit worthy! XXXX is going to be sending me, I guarantee you the same bureaucratic letter that Comenity sent me. There was no warning nor notification from Comenity nor XXXX prior to closing my accounts. Creditors closing my account like this is affecting my credit and has caused my score to drop and they don't seem to care. 

THIS HAS TO STOP. They can't just do this to customers. I was about to make a purchase for my grandkids when I learned my accounts were closed. Do you have any idea how embarrassing and heartbreaking that is? And I didn't have another card available at the time to use. 

This will affect my ability to purchase a house and car which I was preparing to do within the next 45-60 days! Creditors closing my accounts looks like I did something wrong or that I am a credit risk! and I am not! 

If this has happened to anyone else, please report it and if you reported it before and nothing was done, report it again. This practice must stop! We must file a class action suit against these banks. These banks are the grantor of almost all the credit cards that are issued in the credit card industry. Go to these links and you will be shocked how many companies issue their credit cards through XXXX  and Comenity ; https : //comenity.com/search? XXXX % XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; And this is how they treat their customers? It shouldn't be.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I contacted XXXX, Experian, and XXXX about fraudulent activity and inaccurate information on my credit report. I asked them to verify those accounts and after they did, there were still inaccurate reports on my credit. 

( SELF/SSATBK ) Do not recognize account ( XXXX ) Amount {$120.00} Inaccurate Information ( XXXX XXXX XXXX ) DUPLICATE ACCOUNT Do not recognize neither Account ( XXXX XXXX ) DUPLICATE ( XXXX XXXX ) Do not recognize account
Consumer complaint received 2020-01-17
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. (NJ)

My mortgage company XXXX XXXX XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report XXXX was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.
Consumer complaint received 2023-01-17
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. (MD)

I have disputed the information with all three credit agencies several times and they have not done a proper investigation into XXXX XXXX XXXX. I sent them a letter directly and I received a reply back please see attached. Please have them remove the information off of my credit report.
Consumer complaint received 2023-01-17
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. (TN)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION (WI)

I fully completed the First Advantage form, " Request for Full File Disclosure, '' which required the inclusion of sensitive information and personally identifiable proof ofidentification documents. For security purposes, I mailed all required documents via US Postal Service on XX/XX/XXXX to : First Advantage Consumer Center Attn : Full File Disclosure XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/XXXX, I emailed First Advantage requesting the status of my request. On XX/XX/XXXX, I received the following reply : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello XXXX XXXX, Thank you for contacting First Advantage to check the status on your Full File Disclosure. We apologize for the delay, but our department never received the documents that you sent by US mail. In order to provide you with your Full File Disclosure in an expeditious manner we would like for you to provide a copy of your documents by email. 

Again, thank you for contacting First Advantage. 

First Advantage Consumer Advocacy Center ( XXXX XXXX First Advantage | O : XXXX F : XXXX XXXX Follow Us : XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As First Advantage should well know, documents containing sensitive, confidential, and personally identifiable information should absolutely never be transmitted using email. 

This may indicate First Advantage should not be trusted with the sensitive and confidential information they collect, store, and transmit. How are they handling this information? 

And with the excuse the gave me in above email, how many consumers unwittingly comply by sending sensitive documents such as passports, driver 's licenses, social security cards, military IDs, credit card and utility billing statements, property tax bills ( these are all sample documents requested by First Advantage ) through email? 

First Advantage should be investigated and audited as to their business practices and safeguarding of information.
Consumer complaint received 2023-01-17
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. (CO)

I have had a freeze on Transunion for years. I unfroze my credit report on XX/XX/2022 to make a purchase and pulled my credit reports. I found Transunion had been accessing my credit information about twice a month for years. I also had inquiries allowed from XXXX XXXX. The unfreeze was to apply for a home mortgage and I started getting mortgage offers from XXXX XXXX. The lender am working with does not share information and told me to use XXXX to stop the unsolicited offers. The XXXX XXXX offers continue to this day. 

Transunion should not be able to use my credit information or allow others to access my credit information when I have a freeze on my account. They are and they do. 

I never asked them to gather my information and now they are using it to their own benefit in marketing through XXXX XXXX and XXXX XXXX. 

How do I get them to stop?
Consumer complaint received 2023-01-17
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. (NJ)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (IA)

I RECEIVED A NOTICE FOR A SMALL CLAIMS JUDGEMENT, I DID NOT RECEIVE ANY NOTICE FROM THIS COLLECTION AGENCY, I CALLED THEM TO TALK ABOUT THE DEBT, AND ASK TRIED TO SET UP A PAYMENT PLAN THAT WOULD STOP THE JUDGEMENT, BUT THEY WHERE UNWILLING TO WORK WITH ME EVEN THOUGH I WAS WILLING TO SET UP A PAYMENT PLAN ON THAT CALL. THEY SAID THAT THEY SENT A COUPLE OF LETTERS AND WENT RIGHT TO TRYING TO SUE.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I opt out of overdraft protection for one-time debit card transactions and ATM transactions. on my debit card at Wells Fargo Bank in XXXX, Georgia location. My account has been working properly when I made a purchase at a retailer and did not have sufficient funds to pay. However, when I withdrew cash from an ATM, the bank allowed an overdraft to occur and created an overdraft fee. When I contacted Wells Fargo, they informed that it was the bank 's discrection whether to allow an overdraft at the ATM. I know under Regulation E it is very clear what " opt out '' means. 

The practice at Wells Fargo is incorrect in regards to ATM withdraws and not sufficient funds to cover the transaction. It appears this is a deceptive way to create fee income for their bank.