davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (CA)

I fell behind on payments in XX/XX/XXXX. I spoke with rep and was told I need to make 3 consecutive payments to qualify for an extension. I struggled to make 3, the 3rd payment was late so I had to start over in XX/XX/XXXX. XX/XX/XXXXI spoke with rep and made arrang8to pay by XX/XX/XXXX. I made the payments as scheduled. The XX/XX/XXXX rep said as long as I paid under 120 days I would not have a charge off. For my 3rd payment arrangement I spoke to rep and gave a promise to pay 3rd payment between XX/XX/XXXX. I called XX/XX/XXXX to make 3rd payment with the rep with a new checking but the rep said the system was down. I waited 20 min and I was transferred to XXXX XXXX. She also said computer issues and asked me hold. I was on lunch break so I said I would call back. I Confirmed I was still in the window to qualify she said yes. I called back XX/XX/XXXX was told charge off. I requested investigation of recorded calls. It had been 2 weeks no answer. I spoke to XXXX manager, XX/XX/XXXX to learn they were having tech issues for recordings and there was delay. XX/XX/XXXX I received email stating the charge off was correct. The rep did not tell me XX/XX/XXXX would have been too late. Their system issue prevented processing of on time payment.
Consumer complaint received 2019-10-17
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. (IN)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from B of A proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I have got a hold of Capital One and made a payment for closed account that said it's still opened on my credit report and wanted to keep that credit card and build my credit back up. 

Then there is a utility bill that I have been unable to get off my credit report that doesn't belong to me. All I'm wanting to do it get my credit report back in good condition. 

I would greatly appreciate your help with those matters. 

Thanks, XXXX XXXX
Consumer complaint received 2019-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My Capital One Credit Card Account Number : XXXX Is Not Showing On My Credit Report XXXX XXXX and XXXX My Account are Not Being Reported To The Credit Bureau and is not showing on My Report I Been Making My Payment On Time and I Have The Account Open with them For 2 Months And Is Not Showing On My Credit Report Please Help me Investigate and Resolved This Problem..
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

EQUIFAX IS A SCOFFLAW REGARDING THE FCRA AND MANY OTHER LAWS OF THE USA.I AM SUING EQUIFAX IF THEY DO NOT PAY ME DAMAGES OF {$10000.00} WITHIN 5 DAYS OF RECEIPT OF MY DEMAND. 
DEPT OF ED LOAN, ACCT XXXX IS NOT MINE, YET EQUIFAX HAS VERIFIED IT MORE THAN 10 TIMES.
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was given a notice by attorney XXXX XXXX of XXXX, Michigan on behalf of Huntington Bank that I allegedly owed a debt on a credit card. Once I received this notice I sent letters three times to attorney XXXX  asking that the documentation ( I have attached one example of the letter I sent ) regarding these claims be sent to me. He never responded, instead he filed a lawsuit in the local district court against me on behalf of Huntington Bank ( also attached ).  In addition, in that lawsuit he had me named but asked for a judgment against a different person, whom I know nothing about and never heard of that person. Also, when they posted the lawsuit on my door, they caused damage to the door. During this whole process, they continued to harass me, but yet did not provide any documentation.
Consumer complaint received 2022-09-26
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-04-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Volvo Car Financial Services U.S., LLC (GA)

Purchased vehicle from Volvo Cars XXXX XXXX on XXXX XXXX. The dealership forgot to include sales tax in the deal and requested me to sign a new contract before I would be able to get my registration and tag. Volvo Cars XXXX XXXX has not sent the the title or registration to the bank as of XXXX XXXX. Additionally, a service contract was included in the contract but i was never given the terms or disclosure for this contract and it is in my right to have it cancelled and refunded, but Volvo Cars XXXX XXXX has not responded to my concerns.
Consumer complaint received 2021-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MS)

Tower Loan calls my phone and sends out multiple pieces of mail reminding me that I am late on a payment. The call multiple times a day, almost every day of the week. This ia harassment, im not even 2 weeks overdue and im scheduling a payment today. I have no plans to default or fail to repay. They are however harassing me and calling over and over is unacceptable and I believe it is against the law.
Consumer complaint received 2019-11-04
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: Phoenix Financial Services LLC (FL)

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars from five years ago. I am Inquiring as to why that is?
Consumer complaint received 2019-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been a victim of ID Fraud back in XX/XX/XXXX-XX/XX/XXXX. During this time, there were multiple Capital One cards opened in my name without my permission. This has been proven based on Capital Ones investigation along with a copy of the police report that was given to all three credit Bureau, and Capital One took them off except 1. They left one card on my credit report stating that it was mine and instantly reported 60+ days late. Obviously this is not mine. I asked them to send me something in writing that I personally signed authorizing them to open this account. If they can not, then they must remove this account off of all 3 of the Credit reporting Bureaus (XXXX, XXXX and XXXX) immediately!
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been waiting for unemployment benefits for two mos. I discovered yesterday that the BofA Government card issued went to an address that I have not lived at for over 4 years. ( As a side : I have a personal BofA card with the correct address ). When speaking with the customer service representative she apologized as she could see that my address was not confirmed prior to the card being sent out. She re-processed the card with the correct address and told me it would be 10 days to receive. When I asked if she could expidite the process because I do not have a job and do not have many resources, she said there would be a fee of {$13.00} for this. I asked if that could be waived due to the card being issued without any sort of contact about an address over 4 years old. Her supervisor said no, and offered to speak with me personally. When I asked for consideration due to the error on the bank end, and my situation, I was told no again. 
I had just indicated to the supervisor that my job was eliminated over 8 weeks ago, that I really needed the funds as I had been waiting for so long, and he said that he would be " happy to take the fee out of the funds on the card and expedite ''. Having been in multiple consumer service related positions I was shocked at the non compassionate and goading stance of the supervisor - His name is XXXX. Consumer experience training and lesson in compassion needed at the BofA Government card center. What a horrible experience. Maybe he will kick some puppies on the way home!
Consumer complaint received 2023-12-28
Product: Credit reporting 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)

I never initiated these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is the second time I've had to file a complaint about this issue. Bank of America has wrongfully denied my disputed transaction claims. There is a claim for {$12000.00} and a claim for {$3000.00}. I have filed police reports which I provided to Bank of America, I also provided copies of the e-mails between me and XXXX support regarding me being locked out of my account and my XXXX pay being deactivated. Large amounts of the transactions were done via XXXX pay. But I had been locked out of that account as well as my e-mail account during the time that the transactions took place. After filing my claims with Bank of America and providing them with more than enough supporting evidence on my behalf, they still proceeded to deny my claims and my appeals. After I filed my first complaint with CFPB, I was contacted by a complaint resolution representative from Bank of America and was told he was going to look into my complaint. This consisted of him sending me a recap of my interactions with Bank of America, and a copy of their terms and conditions. And then his conclusion was, " as no fraud was deemed to have occurred for [ claims # XXXX ], the Zero Liability policy does not apply. '' This response was ridiculous and insufficient because all he did was tell me what happened and then state an obvious fact. I am aware that they think no fraud was committed, that was my entire issue and reason for my complaint! He did not provide me with any supporting documentation or explanation. The only time I have received copies of the information they used to come to their decision was after I contacted them in XXXX, at which time they mailed me this information. And that consisted of a piece of paper that had my old e-mail address on it and then a note about me logging in with that e-mail using a high level of authorization. That's it. That is all they used to come to their decision, and I find this unethical and a violation of their terms and conditions due to the fact that the email address they were referring to wasnt even the e-mail that I was locked out of and had nothing to do with the transactions! I didn't even use that email for my XXXX account. Also, in their terms and conditions it states that once a claim is filed, if they are not able to come to a decision with 10 days, they will credit the account on the basis that if the claims are denied and the credit is used, the money would be owed. They took much longer than 10 days to resolve my claims and my account was never credited. I have never been treated so unfairly and so poorly by a financial institution in my life, and they are refusing to return my money to me with absolutely no valid reason.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (MS)

I am a current Chime account holder and have attempted to resolve this issue since late XX/XX/2023. After returning from out of town travel during the weekend of XX/XX/XXXX, I learned that someone had accessed my Chime account and attempted to make a purchase. Chime did not notify me of the attempt to access my account, despite having my account set up to receive text notifications for any purchases. Not until I contacted them directly was I informed that a hold had been placed on my account. This occurred on or about XX/XX/2023. On the call with Customer Service, I was informed that there would be a XXXX day hold while they investigated. I was also advised that there was no way for me to access my funds during this time. I was instructed during this conversation to verify my mailing address and that a new Chime card would be issued to me. Over the past XXXX weeks, I have contacted Chime on at least XXXX separate occasions haven spoken with both Customer Service and also requested an escalation as I STILL have not received my new card nor do I have access to the money in my account. I have been told repeatedly that the card is being sent. I have also been instructed that the card was being sent via overnight mail ( two weeks ago ). As recently as Saturday, XX/XX/XXXX, I spoke with XXXX, who indicated that she is a Supervisor. Her phone number is XXXX. This was the third time that I had spoken with her about the status of my card. After threatening to report Chime 's business practices to the appropriate regulatory agencies, XXXX indicated that the card would be sent via overnight mail. On Monday, XX/XX/XXXX, I requested the tracking number for the overnight shipping of the card. I have checked for the past XXXX days and the tracking shows no updates. Chime has repeated lied and failed to take the appropriate steps for me to be able to access my account.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2019, in two separate transactions, {$2000.00} was fraudently removed from my checking account via XXXX. I immediately reported this to my bank, Captial One. The first {$1000.00} transfer was credited back to my account but not the second {$1000.00}. The bank said they were able to recover the first {$1000.00} before it went through. I never heard of XXXX and subsequently learned that it if rife with fraud. Capital One should bear some responsibility since my customer profile doesn't include XXXX, which should have been a red flag. Nor was there any two factor authentication. I wasn't alerted via email regarding this transaction either. The person also attempted fraud with my XXXX account by trying to purchase multiple gift cards but XXXX flagged the activity as suspicious and put a temporary hold on my account. Capital One should have been able to do the same. 
Capital One denied the claim.
Consumer complaint received 2022-03-22
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2023-07-06
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. (IA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have a problem with this credit bureau for years and having a issue disputing 3 items on my credit report ... Those items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt open these account at all or do business with them and I send in a vaild police police ( FTC )  and Experian didnt remove it off my file and I have to wait 30 days again and few reps were rude to me and told me I have to talk to the creditors which I did and they told me they send in the information to Experian and the other two bureaus