davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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: TRUIST FINANCIAL CORPORATION (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries
Consumer complaint received 2022-10-11
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. (NY)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-21
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: Open Dealer Exchange, LLC (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (VA)

Not my accounts, never received anything verifying these are debts or their relation to me. This is a strict violation of FDCPA and FCRA. Also, talked to the company & they themselves lack any info & agreed to remove them.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased a travel package from XXXX XXXX XXXX with XXXX XXXX in XX/XX/2022 for {$920.00}. The merchant turned out to be very shifty and sold a package for an event that was not happening in the timeframe that he told me it would happen ( XXXX XXXX XX/XX/2022 ). I filed a dispute with Capital One and sent them all of my information that I received from this merchant where he stopped responding when I asked questions, where he changed his website to display something different than what I paid for, he changed the subject of our emails, etc. This is a pure example of fraud. XXXX XXXX my claim was denied stating there was no evidence of wrongdoing even though there was a plethora of evidence showing that this merchant was no good. 
On XX/XX/XXXX I requested a reopening of my case because on XX/XX/2022, the merchant stated he would grant me a full refund and it'll take 14-20 days. It is now XX/XX/2022, my account with capitalone has been hundreds of dollars overdraft because they retracted their temporary credit and I received information stating my dispute was again denied. I called CapitalOne and they state that my request was outside of the timeframe because my dispute was already denied and closed as of XX/XX/2022. Both the agent and the supervisor I spoke to insisted that I was in the wrong because I was fully XXXX off with them not listening to me-they were robotic reading notes and not listening to what I was saying. The agent I spoke to to request a second look never opened my second case. It look a long conversation with the Claims Supervisor to find this out. After speaking with the supervisor, he states that they will not approve my dispute because the merchant says he will give me a cash refund. In this instance CapitalOne is EXTREMELY wrong because the merchant says cash refund as means to refunding my card as opposed to giving me a credit. CapitalOne keeps saying I need to contact the merchant when Im consistently telling them the merchant will not respond. It's almost like they arent human, like they dont know how to handle these situations without a script. It's INCREDIBLY frustrating. CapitalOne is gatekeeping a fraudster and treating the victim like they're the bad guy. Everytime I speak to someone it's a new reason why they won't help me to get my money back.
Consumer complaint received 2021-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XX/XX/XXXX and XX/XX/XXXXsince XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (SC)

I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XX/XX/XXXX and XX/XX/XXXX. I tried fixing the problem but DiTech Financial is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact Di Tech financial to have my credit reports updated and corrected
Consumer complaint received 2022-06-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Acc Name : XXXX Acc Number : XXXX
Consumer complaint received 2022-12-03
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. (TX)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have reached out to Experian, XXXX and also XXXX about XXXX this amount that is appearing on my credit report is inaccurate first of all the amount is incorrect!! They are still reporting late payments which is an error or a lie so how was the information verified when I dont even have the vehicle so how is late? According to the FCRA, Nevada statute of limitations this was a credit sale its being listed an an installment loan!! I have enclosed the documentation and I have reached out to the bureaus as well as well as XXXX and also XXXX XXXX!! I have enclosed the documentation as well to show the amount is inaccurate therefore the amount being reported is absolutely inaccurate!! The balance is wrong!! They have been paid and they are reporting an error or a lie!!!
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account and is holding my money for 180 days for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be, since I have only ever had one dispute on there. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i got my credit report of all 3 credit bureau on XX/XX/2019 from XXXX and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (MD)

I was contacted by XXXX XXXX a lawyer representing XXXX XXXX and when I requested debt validation after her first contact I was sent a letter attempting to negotiate a settlement but no debt validation and a vast majority of the content of the letter is false statements. I responded that this was in violation of the FDCPA and after receiving my letter Ms. XXXX filed a lawsuit against me and then sent the notice of debt verification a full 3 months after initial contact.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Go Capital Holdings, LLC (GA)

The XXXX XXXX XXXX was reposesesed approximately XXXX weeks prior to today 's date.i enquired when the car was to be auctioned on approximately XX/XX/XXXX and was told the car would be auctioned on XX/XX/XXXX. On XX/XX/XXXX I contacted the auction facility and the car was already sold. Not allowing me to retrieve it, through either bankruptcy or back payment.After the auction I've been notified that I'm responsible for approx {$14000.00} Which is twice as much as what the car is worth.
Consumer complaint received 2023-01-13
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-06
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. (OH)

on or around XXXXXXXX XXXX XXXXXXXX my car was broken into or some had accessed my XXXX XXXXXXXX XXXX XXXX that was parked near XXXX XXXX XXXX XXXX XXXX OH XXXX. I return to my vehicle around XXXXXXXX XXXX XXXXXXXX and found my things were ransacked and tossed around the inside of my car. My ID and SS Cards for myself and my children were stolen, so I would like to request a PIN number for my credit report and file. While I was going over my report I saw that there are some errors in my addresses and names that are incorrect. Please remove the following addresses they are not XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX GA,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX  XXXX XXXX XXXX GA,XXXX Please delete remove the following names they are not correct : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The following Items are inaccurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION (PA)

I am trying to get an answer to a simple question via Fulton Bank 's online messaging center on their web site. They tell me to call a phone number. This is not the first time that I've requested help via Fulton Bank 's online messaging center on their web site, and they refuse to answer the question. Obviously they don't want to put anything in writing - why? What's the point in having an online messaging center if they refuse to use it?
Consumer complaint received 2021-06-14
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: Experian Information Solutions Inc. (UT)

I received a notice a couple of years ago that my data was breached and I can file a claim for a class-action lawsuit against Experian. 

I filed a claim and it appears the case is settled but I did not receive any money from Experian
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got my ppp loan deposited on XX/XX/2021 I was using my debt card it was fine soon I went inside the branch wit my friend he went to one teller to get some money I went to the other they didnt lock his account up the lady looked at me locked my account after she received my withdraw slip them gave me a number to call I call the number gave them all the information they needed send them all documents I still havent heard from Capitol one I been calling they still telling me they dont kno how long it will be then say after the investigation they going to send my funds back to the lender which not right cause they should of not accepted the deposit my money just sitting In there collecting interest I just really would love for yall to help me much as you can so I can keep my business going thank u have a bless day my number is XXXX XXXX
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I called today to get the status of my Simplicity Citi card and spoke with XXXX, who instead of answer questions she repeatedly put me on hold and ended up transfer the call to a account manager ( XXXX ) who after ID ME instead of helping me and answer my questions of why my account was closed. She preferred to argue with me and start talking over me and dominate the call. I asked XXXX to please to focus on the real purpose of my call but she fail to listen and continue argue then finally I kindly asked her to lower her voice but she declined! **** " Sr, i been here for more than seven years, i know what i do ", she said, i told her that longevity at the job as AM don't give her any reason to degrade or talk someone down in a disrespectful way - The customer service experience was horrible!!!! 

My issue - account closed In my opinion Citicard in instead of making the attempt to contact me and let me know the return payments. CITI proceed and closed my account because three payments were returned. 

Citi, was always eager to close my account, i never experience nothing like this before and usually, when a client don't make payments for 30/60/120 the creditor close the account for non-payment or when is fraud but not something like this. Earlier this year I experienced some financial difficulties with work and my checking account was comprised for some few weeks but the problem is fixed with my bank. Citi never bother investigate INSTEAD, close my account left me in a bad place with my credit and now i will not be able to renew my car lease because a close account will appear on my CR. 

I fell, like CITI violated my consumer rights and look only after their interest also, my credit was damage unfairly ( close account ) and i need CITI to rectify this error immediately as well lowering the interest on my Simplicity card so, i can pay this account sooner and not be in debt with the company. It fells like CITI make his own rules and don't even disclosed the term and conditions to consumers. they always said " we sent you the disclosure " This fells like a trap or induce consumers and just signed CC and not verbally disclosing to consumers about their real conditions. Nobody in CITI care or disclose any conditions or i got a booklet about it. Even if they send it to me now it's too late, The damage was already done to my credit and i need some answers as well with compensation by lowering the interest rate.