davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In late XXXX, XXXX, I went to Florida to visit friends and rented a car from XXXX at the XXXX airport. It was billed on my Capitol One credit card through XXXX vacations. Before dropping the car off back at the airport, I stopped at a gas station and filled up the tank. 
Yet what appears on my credit card but an unauthorized charge for {$43.00} for gas for the car. This was billed on XXXX XXXX. I was outraged, and called the credit card when I saw the charge.. I got passed from one person to another to another and finally someone said they would remove the charge due to fraud. The charge was removed on XX/XX/XXXX ... and then immediately replaced. When I called again, it was removed on XX/XX/XXXX ... then put back on XX/XX/XXXX. 
I tried the XXXX what an oxymoron. They give XXXX a top rating. I will never trust them again. Meanwhile customers give it the lowest rating possible, one star, and there have been nearly 2000 complaints from customers the past three years. 
Plus when I checked other people have been hit with the same thing here 's one on XXXX " But my biggest gripe was they charged me {$14.00} for " less than full gas tank ''. In fact, I filled the tank and the only gas spent was from my hotel to the airport. '' Another one was charged over {$100.00} for gas, but I can't find that complaint right now. This company literally steals money from customers, and yet Capitol One thinks that's just fine. It needs to permanently remove that fraudulent charge from my card.
Consumer complaint received 2022-07-06
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. (PA)

In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 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: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TN)

XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX Inquiry : XX/XX/2022 JPMCB - CARD XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America terminated my XXXX  forbearance. They never informing me they can extending my civil forbearance after XX/XX/XXXX. Instead they referred me to debit management called XXXX. As result I got into financial difficulties damage my credit score and my marriage. 
Why bank of America give me 4 credit card without My application. If they updated my lngotmatiom I lost my XXXX  since XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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.

has violated my rights. Or a list of inquiries : 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 2021-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc. (ME)

In XX/XX/XXXX, my wife and I were forced to leave our apartment. I was laid off and as a function of that our pending home purchase fell through. Our management company at the time ( XXXX XXXX of XXXX, Maine ) made no concessions or efforts to work with us during the COVID19 pandemic and this period of unemployment ( which persisted through XXXX and continues as of XX/XX/XXXX ). 

We located a temporary, barely habitable, rental and moved on XX/XX/XXXX. We did not receive our final bill from XXXX within the 30 days, as outlined in our lease, nor did they provide an itemized ledger. Instead, they sent our account to collections before providing us the opportunity to pay or make payment arrangements. Lastly, we had requested to settle with the landlord, a XXXX representative sent one email to this effect and sent us to collections anyway and without notice. 

Our complaint involves both XXXX and The Thomas Agency. On XX/XX/XXXX, The Thomas Agency sent us a notice that XXXX transferred our account to them. We disputed this ( through certified mail ; return receipt requested ) on XX/XX/XXXX. In our written dispute, we asked for validation and that Thomas Agency return our debt to XXXX so that we could continue to resolve our account directly. 

We have not heard from the Thomas agency since XX/XX/XXXX. They never provided validation of the debt, nor did they attempt to send any bills or contact me ( by phone, email, or mail ) to request payment or gather information. Instead, and without any notice, they began reporting this account to all three credit agencies in XXXX of XXXX. 

I have disputed this account with the credit agencies and The Thomas Agency continues to erroneously claim their information regarding an unvalidated debt is correct when it is not.
Consumer complaint received 2018-07-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

XX/XX/2018. 
XXXX XXXX XXXX XXXX ( Remex ) XXXX XXXX XXXX XXXX, NJ XXXX Telephone : ( XXXX ) XXXX Received numerus calls from this agency. Also just received a letter for collections for a medical doctor they represent. XXXX XXXX XXXX XXXX. Remex stated in the letter that I owed money for an outstanding bill. In their letter it states that they would like to resolve this matter prior to reporting derogatory information to the credit bureau. Called Remex about the claim as the balance doesn't correspond to any of the bill 's that I have received from the doctor. Remex proceed to tell me the inflated bill was because I had to pay a collections fee. I proceeded to ask for an itemized bill to show the amount owed and was told by Remex that I needed to supply them with my social security number and Medicare number for them in order to obtain an itemized bill. Didn't give them any private information and proceeded to call XXXX XXXX XXXX XXXX about an outstanding bill that was over a year ago. I was informed by their billing department that I owed no outstanding bill and nothing has been sent to collections.
Consumer complaint received 2016-02-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (VA)

The book value of my vehicle is XXXX dollars and my loan with Santander usa is XXXX principle where as the pay off is XXXX. I now owe XXXX dollars for this months payment which is partially due to XXXX dollars in accrued interest and they also attach XXXX late fees to every late payment. In addition, my monthly payments are a ridiculous XXXX monthly and they will not reduce those monthly payments. This seems like it is a predatory loan designed to make it impossible for consumers to pay off. High interest rates which may not be legal rates, late fees and monthly payments which is too high for a vehicle worth half the price of the loan. Is this legal? Recently, Santander usa lost a lawsuit for overcharging their consumers and paid XXXX in financial relief. Can you help me with this company which practices bad business ethics?
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to XXXX, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you.
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: Experian Information Solutions Inc. (MA)

I have 2 XXXX  accounts, one was with XXXX XXXX  the other was with XXXX  ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX  sent in a request to XXXX  to remove all tradelines on my XXXX  account..in XXXX of XXXX XXXX XXXX  sent in a request to XXXX  to remove all tradelines with XXXX  XXXX  ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a XXXX  representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.
Consumer complaint received 2022-10-08
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 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 2019-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ASTA FUNDING INC. (MO)

Received a default judgement served to my then XXXX year old daughter. The company is Palisades Collection LLC. Its dated XXXX. No one signed for it. Weve had bank account garnished as well as wages. After receiving payment, this company filed for funds four more times with all different amounts. Each have file stamped XXXX and the judgement dates are Filed XX/XX/XXXX Garnish issued XXXX Amount {$1900.00} File XX/XX/XXXX Garn XX/XX/XXXX Paid {$3600.00} File XX/XX/XXXX Garn XX/XX/XXXX Paid XXXX File XX/XX/XXXX Paid {$2000.00} File XX/XX/XXXX Paid {$470.00} XXXX/XXXX/XXXX We are not able to find out who is behind each one of these suits. This is totally frustrating!!! The last action in XX/XX/XXXX, they froze and garnished our entire bank account and as a result, our home is in foreclosure. 
XXXX
Consumer complaint received 2018-07-04
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. (NC)

I tried to contact Equifax to get this account removed off my credit report ... this is a fraudulent account that my ex wife XXXX XXXX put in my name I will like for this account to be removed off my credit report.. this account was paid in full and need to be remove from my account
Consumer complaint received 2018-07-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HONOR FINANCE, LLC (NV)

Recently opened a monitoring service and seen that there is this Vehicle loan for {$5000.00} from 2013.I have no association with this loan and have tried to dispute and work this fraudulent loan out with the creditor. The creditor has done nothing to remove this fraudulent loan.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 transunion 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 XXXX 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 XXXX XXXX over XXXX has me at a score around XXXX. 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 transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I got a copy of my credit and noticed 2 accounts that are not mine, which are Online information services for {$540.00} XXXX XXXX with no amount listed. I contacted Experian credit report and file Fraud. There was also 5 inquirys I did not authorize. XXXX, XXXX XXXX XXXX XXXX, & XXXX others
Consumer complaint received 2022-12-03
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)

This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (FL)

Reporting act XXXX Account # XXXX, has violated my rights. 

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

5 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.

5 U.S.C 1666B : A creditor may not treat a payment on a credit on account under an open end consumer credit plan as late for any purpose.