davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

5/3rd Bank XX/XX/2022 : I was successful in using XXXX to pay the monthly Mortgage payment XX/XX/2022 : A rogue payment was made to my mortgage not by me but from someone in the company. It was a successful payment as the money for my mortgage payment was in that account. 

XX/XX/2022 : XXXX attempted to charge me for a second payment and was declined. I was charged a {$37.00} fee for overdraft/return item fee. I had {$550.00} deposited into the account as usual from my paycheck. I call the customer service to dispute the rogue transfer and they told me it will be solved, autobillpayer has been fixed and to call back when it is no longer pending. 

XX/XX/2022 : XXXX " successfully '' took my mortgage payment leaving me- {$320.00} in my account when I need to pay bills. I called Customer service and they told me the second payment would not be reversed, and neither would the original {$37.00} Item return/ Overdraft fee.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account 1933, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX NA XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

Hi, I'm writing another compliant because I have this hard inquiry in my XXXX credit file report, of XXXX from XX/XX/2020. I'm disputing this hard inquiry a year later because in my other complaints same thing, I at first thought if I disputed certain hard inquiries with one credit bureau all credit bureaus would update to the same information. I now know that is false. So sometime last week I called XXXX ( XXXX XXXX ) and spoke with the President of Office to explain when I first disputed this hard inquiry with XXXX is because this inquiry was a result of fraud. I didn't have credit at all when this inquiry was initiated so therefore I explained this to the president of office in XXXX, but still writing a complaint because I feel no real action was taken after that phone call. I still need to write a compliant because even though in the past I spoke to the same company me writing a compliant here gave me a faster result then the actual company of the inquiry. I also wanted to note in my last recent compliant I meant to say unauthorized for the inquiry of CBNA. What CBNA is doing is illegal because If they can't provide me a letter with words, in writing, stating that they couldn't locate an application dating XX/XX/2020, and told me that on the phone, on a recorded line, but tell XXXX  otherwise, then they're wrong. I know I have the rights to dispute any detail or information in my credit files. XXXX again doesn't want to change that hard inquiry. I have a XXXX  name XXXX XXXX XXXX XXXX. I used to own a Citibank XXXX  account. The reason I no longer am partners with Citibank business is because their agent has the audacity to apply for a credit card using my social security number when I didn't authorize that. I guess he thought since I was a teenager and made comments that my business isn't going to really succeed and acted like he knew my XXXX  better then me, he knew what he was doing to me because I told him I didn't know the difference between business credit and personal credit. I only ever used my XXXX when setting up that old XXXX  bank account and completing any important document work. Citibank business has caused me time, a hard inquiry, and no good use of their services. This was all said when I first disputed this inquiry with XXXX, but XXXX doesn't want to get rid of the CBNA inquiry in my XXXX credit file.
Consumer complaint received 2018-04-17
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: General Motors Financial Company, Inc. (GA)

GmFinacial pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX  XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled creditXX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX   XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX  pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX  pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX   XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!
Consumer complaint received 2018-04-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) Coaf pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my creditXX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX 's XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled credit XX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Ive received repeated calls every weekday and on weekends throughout the day, from Midland Credit through different phone numbers. I have told them that I am in the process of disputing some of their claims, and they continue to call me every single day.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-13
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. (GA)

XXXX START REPORT DATE : XX/XX/XXXX HOW CAN EXPERIAN XXXX OR XXXX XXXX REPORT ANY PAST DUE AMOUNT FROM XXXX IF THIS COMPANY JUST RECENTLY STARTED REPORTING TO MY CREDIT REPORT? 

ALL THESE BUREAUS ARE USING THE SAME E-OSCAR GENERATED RESPONSE ; Completed investigation of FCRA dispute - consumer disagrees. 
XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

IT IS EVIDENT THAT THE CREDIT BUREAUS DO NOT LOOK AT THESE DISPUTES AND WASTING CONSUMERS TIME BY NOT DOING SO - AND VIOLATING THE FCRA LAWS- WHICH THEY DO NOT CARE!
Consumer complaint received 2021-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.
Consumer complaint received 2022-10-18
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, Account # XXXX and XXXX Account XXXX XXXX have violated my rights. 15 U.S.C.1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-12
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 2022-08-17
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: CarMax, Inc. (GA)

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2022-06-12
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 2020-06-04
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. (IL)

I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. 
I would like the credit reporting agency block all information associated this act of thief. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XX/XX/XXXX, credit limit XXXX Inquiries made by unknown Identity theft Company- XXXX XXXX  Date- XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries )
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

I paid a {$550.00} annual fee for the XXXX XXXX XXXX Credit Card from American Express. One of the key benefits is XXXX XXXX XXXX access, including on departure, connection, and arrival when flying XXXX. The fee was posted and paid in XXXX. 

After paying the fee, American Express and XXXX changed the terms of XXXX XXXX access rules, no longer allowing use more than 3 hours prior to departure and no longer allowing use on arrival. This change is scheduled to start XX/XX/2022, only about a month after paying the annual fee which was predicated on prior access rules. 

Upon contacting American Express, no recourse is being made by them.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AR)

On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX, prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from XXXX '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (MN)

Hi, the Remitly Inc. ( https : //www.remitly.com/ ) is advertise to be a transfer money agent. I just transferred my US dollars to my XXXX account, they just put this transfer on hold. When I try to contact with them by email or phone call, nobody responses. So I think it is a fraud/scam company.
Consumer complaint received 2022-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XX/XX/2022 I sent letters disputing incorrect and unfair items reporting on my credit and they havent followed their policies and resolved the issue Im a timely manner
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (IN)

I requested for help from navy federal to please fix my credit account of mid reporting on XX/XX/XXXX through their online system and it was ignored. I then contacted them by phone on XX/XX/XXXX and the representative said they dont report updates often to the bureaus and thats why my car payments are missing and thats why the credit card I had with them that I paid off in full has disappeared. This information has been edited from my credit accounts for well over XXXX months and they have not fixed this, though I have requested. I advised her that they must report the truth if it is showing on my profile and she hung up. Additionally, navy federal credit union took money from my account that I did not authorize, even after placing a note on my account stating that they are NOT attempting to collect any debt from me. They have continuously reported my account as never paid, and have deleted the good history of payments from the car loan and the credit card. While over the phone, the representative hung up the phone on my face and it caused dm to call back twice. I have still not received the information I requested which was a list of all successful payments I made to navy federal credit union. And all payments they took without my knowledge and permission. Navy federal refuses to fix this issue and continues to reprint false information on my credit profile. Intentionally causing harm, distress, and further denials of housing. I have been discriminated against and they are refusing to follow the laws and guidelines of the cfpb, gov, and fcra.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

I have updated information on complaint # XXXX UNITED REVENUE CORPORATION used my identity and fraudulently opened this account and reported these derogatory accounts to all credit reporting agencies. They've violated my rights pursuant to FDCPA section 807 by false and misleading reporting. I've also been violated of my rights pursuant to 15 USC 1692D ( 4 ) just for parking the debt on my credit report trying to get me to pay it. I do not have any contract with my signature on it with this company. I've never done any business with URC nor have I ever given them any of my information, so this is also a violation of my rights pursuant to 15 USC 1681A ( Q ) ( 3 ). I also never gave this company consent to report this alleged owed debt to my credit report, so this is another violation of my rights as a consumer pursuant to 15 USC 1692c ( b ). This alleged owed debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). Because this debt does not belong to me, nor am I obligated to pay it pursuant to 18 USC 8, I demand that this company cease and desist all communication and fraudulent activity reporting ASAP. This complaint will be forwarded to the Attorney General, FTC, XXXX, and CFPB.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I pulled my report on XX/XX/XXXX from XXXX XXXX. I noticed that my loan with capital one was showing seven missed payments from XX/XX/XXXX- XX/XX/XXXX. I did not miss any payments during these times. Capital one Auto Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (GA)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX GA ), balance is {$3700.00}, and account # XXXX