davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

In XXXX I did on Macy 's chat account automatic payments before I left from USA because of my health.After I come back I check my account and find out that I have 4 late payments.They say that was probably a mistake on there part. I told them that I will pay them but I need some time at least a month, because I lost my job when I went to get help when I was sick and I really don't want my account to be closed because that will shorten my credit history and if they could remove some of my late payment fees .They agree to remove 2 and I paid them and they told me my account got current status now.What made me think everything is fine and fix. After, I found out when I called them, the following month to make my next on time payment that my credit card was closed onXX/XX/2019 without a notice, after 3 late payments.First off all it's redicilous that they didn't do automatic payment and I payed for that! And second .They closed me account after 3 months?? And now I have 4 late payments with account on time now but my score droped like crazy.Just because they don't do there job properly I try to ask them to reopen my account but they claiming they just don't do it.
Consumer complaint received 2019-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho) (ID)

Advantage Financial Services LLC. XXXX Idaho has been attempting to collect a debit for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX failed to bill insurance correctly and was denied payment due to failing to provide documentation to adjudicate the claim then noted to balance billed me for services. XXXX XXXX XXXX was prohibited from balance billing on this claim due to in-network contract with XXXX XXXX ( insurance provider ) and ACA laws which state provider are prohibited from balance billing members XXXX XXXX submitted the bill for collections despite no legal right to do so. I have disputed this bill with XXXX XXXX XXXX, Advantage Financial Service, and all 3 credit bureaus. Every time Advantage Financial Services claims the debit is valid because they have a bill. Advantage Financial Solutions fails to properly validate the bill as a legal and lawful debit. XXXX XXXX XXXX own documentation asserts that the patient is responsible for the debit despite being prohibited by contract and law. Advantage is now suing me for the debit, interest, attorneys fees, and court costs. Their assertion is I contracted with XXXX XXXX and am liable for the debit, collecting from Insurance is up to me. However, I never contracted services with XXXX XXXX XXXX. My primary provider XXXX XXXX XXXX outsourced XXXX services to XXXX XXXX. XXXX XXXX XXXX was paid for services, the XXXX who performed the tests was paid on their claims. XXXX XXXX failed to provide documentation to adjudicate this claim and was not paid by insurance. XXXX XXXX failed on their part to submit documentation to get paid. Then violated their own contract with XXXX XXXX and the XXXX XXXX XXXX by balance billing me for services. I owe no debit to XXXX XXXX so Collections on this account is unlawful and fraudulent.
Consumer complaint received 2022-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MO)

On XX/XX/XXXX and again on XX/XX/2022, I, XXXX XXXX a natural person, myself, sent Nissan certified letters asking them to send me an audit trail so I, the consumer, can validate the alleged debt. I also asked them to cease and desist reporting alleged debt unless it is validated by me, the consumer, per my legal rights. Nissan has refused to respond to my request and is in violation of the law.
Consumer complaint received 2022-01-08
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)

On XX/XX/2021 I sent out papers to the 2 credit bureaus ( Transunion & XXXX ) telling them that there was wrong information reporting in my credit report and asking can they send me proof of the inquirys .It has been more than 30 days and I still havent received anything from them at all. So I sent out even more letters this XX/XX/2021 and still received no answers.
Consumer complaint received 2021-09-16
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)

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed this inquiry for account I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove this inquiry and inaccurate accounts I never asked to get any accounts or loans with these companies.
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: Experian Information Solutions Inc. (FL)

In Accordance with the Fair credit reporting act XXXX account # ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-11-29
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: GLOBAL CLIENT SOLUTIONS, LLC (VA)

Global client solutions llc tried to make payments and wont except what I can pay started out as owe XXXX now XXXX turned over to a lawyer now calls from them telling me what I have to pay I am on fix income and been XXXX don't no were to turn also a bank called XXXX  XXXX  wants XXXX its a on on thing calling going to turn over lawyer I told all them going in XXXX  XXXX XXXX  said wont except them!
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF XXXX XXXX XXXX IS ATTEMPTING TO COLLECT FOR XXXX XXXX XXXX FRAUDULENT DEBT. 
They have placed this debt wrongfully on my TRANSUNION CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a report.
Consumer complaint received 2021-10-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I was wrongly accused and penalized on my credit report by Portfolio Recovery Associates for {$710.00} on XX/XX/2016. I've already taken the time to dispute all charges. This collection account has had an adverse effect on my credit and I would like them to be removed expeditiously. I have even reported this account as fraud as there is no evidence that this is even my account. 

This company has also been harassing me with an overwhelming amount of phone calls to my home as well as my place of employment. Please have this account removed from my credit report immediately.
Consumer complaint received 2018-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capital One has wrongly charged Late Fees and Interest. They have agreed that these charges are in error, but they refuse to revise my Statement. They insist that I must pay the false charges now, and that they will credit my account later. Forcing customers to advance money INTEREST FREE, so that they can reimburse it months later without interest must not be allowed. 
Background : Capital One recently assumed management and control of XXXX XXXX Visa credit cards. 
My most recent XXXX XXXX Statement ( attached ) indicated {$28.00} was due on XX/XX/18. 
This amount was paid on-time by XXXX XXXX XXXX XXXX. ( receipt attached ) .XXXX XXXX  has admitted that they have not completed importing all pertinent data, including my recent payment. This is still a work-in-progress, yet they have charged Late Fees, Interest on Purchases and have now suspended my card and associated " points. '' ( CapOne Statement attached ) Multiple calls to CapOne Customer Service have resulted in their recognizing their errors and crediting the Late Charge. They say it is too late to Credit the Interest Charge now, and it must be paid. 
I have no idea how many unsuspecting customers have been wrongly charged Fees and Interest because their payments have not been recognized. I feel that Capital One has violated numerous Banking and Accounting principles, and may have acted illegally. 
Capital One should never have rushed to charge customers Fees and Interest before they had imported all data and performed a careful reconciliation. Please investigate Capital One and take all necessary actions to see that customers are protected and that this never happens again.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank has sent me a debt collection letter notifying me my account is overdrawn. The account is overdrawn due to TD Bank maintenance fees NOT due to my error. The account was drawn down to XXXX in XXXX and now I am being charged for an account that should be closed. I have written to TD in XXXX Maine with NO response to my inquiry. I would like this account closed and the fees waived.
Consumer complaint received 2018-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I am XXXX XXXX XXXX. On or about XX/XX/2018 I made a bank transaction at Wells Fargo Bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I made a withdrawal for {$3000.00} and signed a withdrawal slip for that amount and gave it to the teller. I received {$3000.00} cash. I noticed my account was overdrawn XXXX the next day. I immediately went to the bank the next day to inquire. The bank stated this was some sort of correction and stated he could not say what it was. I then contacted the resolution department and they started an investigation per XXXX. The bank then stated that I was given {$5000.00} not {$3000.00}. This is not correct. I was only given {$3000.00}. Why would the bank give me nearly {$2000.00} more than was available in my account? I only received {$3000.00} and that is all I signed for. I have been waiting for a return call from the branch manager for 5 days. 
I can be reached at XXXX XXXX XXXX
Consumer complaint received 2018-10-14
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/XXXX XXXX put a {$39.00} in collection on me. I paid off XXXX XXXX and i guess this was a renewal fee. I never noticed this on my report and never received a notice in the mail since they were sending it to my old address and i never knew my account was sold, so when i saw {$39.00} and saw the name XXXX XXXX i send a check and sent both my moms payment in with two checks and both statements to XXXX XXXX. After watching my credit and noticed it was not taken care of i called XXXX XXXX and they applied BOTH checks to my moms account and took the blame and reversed the {$39.00} payment one her account and told me that they would take care of XXXX. After several months XXXX has not taken care of it. The day they applied it to my moms account ( XXXX XXXX XXXX ) Card XXXX was in XXXX, and the day they reversed it was XX/XX/XXXX. My file number is XXXX with XXXX. XXXX XXXX confirms they have this payment and I wish someone would help me with this. Its been months that this has been paid ( the day i found out about what this was i took care of it ) PLEASE HELP. XXXX should take this off my credit report since they NEVER sent me notice of this to the address i live at so i had no idea who they were. Do i need to hire a lawyer or the banking Dept? 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

THIS IS NOT A DISPUTE FOR INACCURATE OR INCORRECT ITEMS REPORTING ON MY CREDIT FILE. THIS IS NOT A DISPUTE. DO NOT START AN INVESTIGATION. In response to CFPB complaint number XXXX : Equifax responded to my CFPB complaint by stating In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. In my complaint I clearly stated in caps I was not requesting an investigation. Neither am I requesting documents from an investigation. I stated the charge off accounts by law are not to report on my consumer report only on a consumer file pursuant to 15 USC 1681c ( c ) / PUBLIC LAW XXXX. XXXX, 1996 XXXX STAT. XXXX. Please find the Public Law and United States Code attached below both of which are made public for anyone to research. For charge offs and collections the 7 year reporting period only applies to items in a consumer 's file not a consumer report. A consumer reporting agency may not make any consumer report containing accounts placed for collection or charged to profit and loss pursuant to 15 USC 1681c. I am requesting that Equifax follow Federal Law by removing the following charge offs from my consumer report : XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off, XXXX XXXX XXXX XXXX Account # XXXX - Charge Off, XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off. Once this lawful request is complete, send me a copy of my consumer report not my consumer file. Please note a consumer report serves as a written, oral or other communication in establishing a consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, and employment purposes. A consumer 's file is all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. They are not the same and I am requesting my consumer report once this request is complete.
Consumer complaint received 2018-11-29
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: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-29
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 (CA)

XXXX has been non-compliant with removing the unverified account CAPITAL ONE AUTO FIN Opened Date XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE AUTO FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Over the past 4 to 6 months I have been trying to get Equifax to correct incorrect information. I have sent in copies of drivers License, SS card, Passport, Medicare card, VA card, XXXX card and each of the three time sending in information requested they close the request with the word ( Unspecified ), ... Equifax I was told Equifax froze the information not at my request, but at an internal request once, second person said XXXX requested it? and they refuse to fix. Several months ago I was told a computer glitch, weeks later I was told internal error. I cant even log into my account, it only states " Try again later, Network error. '' Equifax on XX/XX/ requested it all again, sending onXXXX This same situation was worked on two years ago. never fixed.. Equifax has been not only un-cooperative, they have lied to me, provided false information, stalls and more. At XXXX plus years I just don't need the XXXX.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (CA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-02-06
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. (GA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/2016
Consumer complaint received 2018-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As XX/XX/2018 I check my XXXX XXXX account only to see transunion has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my XXXX profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.