davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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: Security Credit Services, LLC (TN)

I've contacted Security Credit Services though XXXX XXXX, filed a police report with XXXX PD, called them requested copies of proof of debt, received the account information sent copy of the XXXX report to them, showing they got the wrong person. Yet still they refuse to remove from my credit report. Been disputing this on my credit report XX/XX/2018. Still no removal.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am XXXX XXXX, Capital One Bank customer from XXXX. I havenever seen such terrible service from this bank like thesedays. 
The whole story : On XX/XX/XXXX my account was locked because of suspiciousactivities. I was trying to make {$500.00} transaction with XXXX XXXX. I spent 1.5 hours confirming my identity, uploading my driver 's license. The account was unlocked finally, but when I tried to use it again it was locked againand Customer service advised me to replace a card.I received a newcard in 3days, and I was able to make one transaction for {$500.00} on XX/XX/XXXX. Then the second transaction for {$200.00} to the same XXXX XXXX XX/XX/XXXX failed, and the accountwas locked again.Today I spent XXXX hours on a phonewith Customer service, and as a result, I was requested to submit 3 more documents to verify my identity. And this time, verification will take up to 10 businessdays. Moreover, I could not submit thosedocuments because the upload link provided by email is not working consistently. I called Customer service again and got an answer that they could not help me with thisissue.On my question, if I have a locked account again would I need to submit another set of documents, I got theanswer that it is unpredictable.As of now, I spent4 hours already trying to resolve the simple issue and I am thinking if I need such service inthe future. Just imagine if I was abroad, and I have to pay for something urgently!!! I understand their concern about fraud activities, but I think it is unreasonableto make customers suffer from the unprofessional way of doingbusiness.As an example, the same kind of verification in XXXX took me 10 min last year. And today I used my XXXX card to make the same transaction with no issues.I am working in the banking industry for almost 20 years and I have never seen such negligence in treating customers. I think they owe me an apology for treating me as a thief. I can not teach them how to do business, but the way they are doing it is unacceptable. People do not have to spend 1 month to make verification in order to use their card account. Now it can be done within minutes, if required. I can tell you this as a professional in this area.
Consumer complaint received 2018-08-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

i have over 130k in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.
Consumer complaint received 2023-07-04
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am knowledgeable that 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. This is effecting me by causing me to have higher interest rates that I'd normally qualify for. Resulting in undue XXXX & XXXX. Payments are now becoming unaffordable & quality of life is deteriorating.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIRST HORIZON BANK ()

Tried to transfer money from my us account so phoned them as I live in the XXXX now said they wouldnt do it over the phone and I had to contact an institution and write a cheque so I contacted XXXX XXXXXXXX XXXX 3 months ago just heard back that my bank is refusing to acknowledge any paperwork they send what can I do about it
Consumer complaint received 2018-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (VA)

I purchased a vehicle at XXXX in XXXX VA, I owned 4 other cars at that time and told the dealer salemen that I only need a XXXX  for XXXX and XXXX XXXX. I told them I don't live in VA i have North Carolinia dirvers licesnse is that going to be a problem, I was told " no! ". 

It's obvious now they gave me the car and thought " 3 months later '' I'll drump though hoops. 

I didn't live in VA at the time of purchase my drivers license can prove this I had the car repossessed becaue I was told " I '' didn't register the car I can prove this I paid XXXX Tax and Tags I can prove this I currently on this day of XX/XX/2018 have a credit of over {$100.00} dollars I can prove this I tried to find a law that gives the lien holder the right to take the car under these circumstances I couldn't find any. I was told today I need to get VA dirvers licenses I can prove this also. 

I told " XXXX '' from XXXX XXXX XXXX can you ship the car to a XXXX location in N.C. and because it's now a problem and it wasn't them and have them register the car there and I'll pick it up. I was told no " you have to get a VA driver 's license, and hey all you have to do is do that and this matter is resolved ''. I then told her " I'm not getting a licesnse in VA it wasn't required when I brought this car and I don't live in VA ''. 

I also told her well a person can sign an agreement for a loan for 5 years and move! it not a crime to move or is it a problem at all to move when your financing a car. In addition once I obtain a VA license I'm admitting wrong! 

I'll have to send you a copy of all paper work. 


I would like you to publish this and us my name and info :
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax wants me to join do they can correct a bad information on a account that was close and the company continue to charged me month to month what I have another carrier give me the XXXX XXXX  I need. Equifax says they have no bad reports but in my credit is still there. This company wants to charged to join ( Equifax ) if not they say there are not responsible of what happened to my credit score.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (WA)

I have tried multiple times to contact U.S. Bank regarding my credit card. I have been unable to log into my account for 6-8 weeks. I have a new phone number, which I had updated, but they did not make a change to using it as account recovery. Therefore, when I try to reset my password it will not allow me. I have not had access to my account to review any charges, verify accuracy of my bill, or make an online payment. I have called them via phone in XXXX, XXXX, and again today XX/XX/XXXX. Today, I learned that they did not update my account properly and that I will take 3 business days to correct. I requested to speak to someone in their credit department as I wanted to request they remove the negative remarks since it was their error that did not allow me to view or pay my bill online. I spent 54 minutes on the phone but was disconnected. I called back, spent another 5-10minutes on the phone and was disconnected. I called a 3rd time and was told no one would help me unless I paid my bill and when I requested a supervisor the call was again disconnected. I do not think I should be at fault when U.S. Bank has not provided me with the ability to view and pay my bill online. I can bring my account current once I finally gain access to my account ( supposedly on XX/XX/XXXX yet my next billing date is XX/XX/XXXX so they will report me for a 3rd month ).
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal protected consumer rights to privacy and confidentiality under ( 15 usc 1681 ) I told XXXX, transuion, and XXXX  to reinvestigate these accounts XXXX XXXX XXXX acc # XXXX  XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 15 U.S.C 1681 ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-08-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MI)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2016.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2018 I filled out a pre-qualify application for a Bank Of America credit card. The advertisement stated Will Not affect my credit score. As soon as a submitted my application, a BOA page appeared with a credit card that supposedly I qualified for. The page wanted more information to proceed with card. I provided all my information, date of birth, SS #, Address and work information. I again submitted online application and in that instance, I was denied. I believe this is deception and false advertisement. If the first page submitted went thru fine, then I should have been approved. This poor business practice have damaged my credit scores.
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NY)

Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/2021 VIA USPS certified mail. You can track this package using THIS tracking number. 

Usps tracking XXXX
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mar Joe Enterprises (TN)

I recently checked my credit reports and I hadn't checked them in almost 2 years. I noticed a collection charge from CBC for {$650.00}. I quickly realized I had been a victim of identity theft and fraud by my ex-boyfriend XXXX XXXX. 

He put my name on a lease of an apartment where I did not live. I was not with him and I did not authorize him to put my name on this lease. When the lease was started I was married and living with my husband at a different address. He used my information because he had bad credit and I had good credit. He used my information falsely to get into an apartment. 

I can prove this information with a marriage certificate showing my name changed in 2016. He used my maiden name on the lease years after I was already married. 

I also had the electricity turned on in my legal married name beginning in XX/XX/2016 at my true address. I can provide bills for the past 4 years authenticating my address. 

My information was used on this lease without my knowledge. I do not know owe {$650.00} because I did not live in the apartment with him or sign any lease. I only found out about it after looking through my credit reports. XXXX sided with the collection agency and did not remove it from the report. XXXX has not communicated their decision on the dispute I have open with them regarding this issue.
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (OH)

In my XXXX and XXXX  credit report, both had reports from First Federal Credit Control for {$85.00} owed. First Federal Credit Control also listed on the credit reports the same amount of {$85.00} with two different account numbers XXXX and XXXX. Double dipping on credit reporting. First Federal Credit Control never sent me notification of the debt for me to be able to review and dispute if necessary. I was just lucky to be viewing my credit reports for different reasons and happened to see the First Federal Credit Control reports.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (LA)

I had got a BestBuy credit card and signed up for auto payment and e-statement for each month I was getting my statements, but they did not show any charges. I just got the Your XXXX Annual Account Summary report from BestBuy and seen over past year there was around 700 dollars worth of charges around 110 dollars each month for some debt protection fees. I never would have signed up for this if I was properly informed about it and the fact that it was not showing up as charges each month is looking like unfair practices to me. I called the XXXX number and got redirected three times before I got someone who cancelled the program. I asked for proof that I was informed and signed up for this program and was told it could take 30 days before I am sent anything. I think sense I was not shown each month this charge was happening I should be allowed to receive a refund of these charges as I did not even see this until the summary report came out and I seen this in it. 

Miscellaneous XX/XX/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 XXXXXXXX XXXX XXXX XXXX Seeing this report and looking into it I have seen I have also been charged for XXXX and XXXX of XXXX so far as well XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have looked online and seen that Citybank has already been forced to pay back money for Deceptive Marketing from this debt protection stuff. 

I made a big purchase in XXXX but before that I have almost always payed off the card sense I had it and never seen these charges before.
Consumer complaint received 2018-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (IL)

I applied for a loan with XXXX, XX/XX/2018, in the amount of {$2000.00}, through XXXX XXXX who suggested them through prequalification. I went through the process, providing this company with my bank login credentials once my banking information was entered ( populated my bank login with bank logo ), though I thought this was odd for a lender to request. Within about an hour I was denied. An account was created on their website for me, and I wanted to delete it since I would not be a customer due to their denial, which they cited as being because of " Unacceptable Bank Account History. '' I could not find a way to delete the account on their website, so I called them. A rep told me that they can not delete the account. I asked to speak to a manager, and was put on hold. The rep came back and asked before I speak to a supervisor, did I have an account that was not a " prepaid '' account. I told her that my checking account was not a prepaid account. It is a checking account that I've had for 3 or 4 years. She said it showed that it was a prepaid account that I had had less than 30 days. I assured her this wasn't true. I then spoke to XXXX, a supervisor. She said they can not delete the online account, due to federal regulations. Doesn't seem legal to maintain a login on their site for someone who isn't a customer. She didn't even know how long the account would remain on their site. I need this account deleted. I then asked her why they flagged my account as a " prepaid '' account. She then stated very plainly, that that isn't the reason I was denied the loan. She stated it was because of who I banked with. XXXX XXXX. That they don't " work '' with XXXX XXXX. I asked why that wasn't disclosed prior to me applying, which affected my credit. It isn't on their website. Nor did it keep me from applying once my bank info was entered. She just stated there was nothing she could do for me, " sorry. '' She went on to say if I had another checking account with at least 31 days of activity, they could try to get me approved. I was only denied because of who I have a checking account with. 

I would not have had my credit dinged with an inquiry had I known, or their website declined my input once my bank was identified on their website. I need the inquiry removed from my credit, and I need the account they created on their website removed.
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

On XX/XX/2018 I was alerted by XXXX, XXXX and XXXX that Commonwealth placed a collection on my credit file. I have had no notification from this company at all regarding this debt. Therefore I have disputed this as a fraudulent account. Also I have no signed contract with this company stating that I owe them.. No signature can be provided.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

The debt collector failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). During the time of service, the apartment was flooded out and I was not living in the apartment due to a natural disaster. I do not owe this balance.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to c
omply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

I have previously filed several complaints about ALLY FINANCIAL. ALLY Financial complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, ALLY FINANCIAL has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! ALLY MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (SC)

On XX/XX/2022 XXXX XXXX XXXXXXXX by Hunter Warfield flagged my credit files with inaccurate/unverified collection information. Their account was updated XX/XX/2022 Please be advised that Hunter Warfield are not Holders in Due Course ; no services or good were received from Hunter Warfield and I have not agreed to pay/tender anything to Hunter Warfield on behalf of anyone for any reason. Hunter Warfield have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
Proper documentation from Hunter Warfield was NOT provided to me to allow Hunter Warfield to verify the accuracy of their data before placing their accounts with the credit bureaus for collection. This proves DEBT COLLECTOR is not an honorable/honest business.

I have not provided signed wet-ink releases of my private living arrangements to Hunter Warfield .

Hunter Warfield do not have my permission to contact me on my private line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Hunter Warfields reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail fraud. Please abide by all mail codes. All calls are recorded for my safety.
Consumer complaint received 2020-12-16
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRAs. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.