davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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 (NC)

There is a past due balance reported on a closed chargeoff account. 
CAPITAL ONE # XXXX 2 credit bureaus not reporting accurate balances. FCRA rules state all 3 should accurately be reporting across the board if it was recently investigated. 
High Balance : XXXX {$0.00}, XXXX {$1200.00}, XXXX Not Reporting Anything They are reporting multiple XXXX  remarks to my payment history after date of last activity. 

Both bureaus also failed to update the Creditors Remarks Section to being investigated I am attaching a copy of my most recent credit report
Consumer complaint received 2022-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (TX)

Discover Bank advertises Home Equity loan rates between 4.49 % and 11.99 %. I applied for a {$40000.00} home equity loan with them. I have an XXXX credit score and our LTV would be below 70 % with the home equity loan. The only debt I have is this loan and an auto loan, and my salary more than covers the potential payments with my existing debt. It would be a second lien loan. Even with my exceptional credit, they offered me 8.99 %. This is insanely high, and I would have never applied and wasted a hit on my credit if I had known that Discover Bank would give me such a high rate even with my exceptional credit and low LTV. Discover Bank is using deceptive marketing practices, advertising rates that they never intend to provide. Please investigate and find out how many borrowers actually receive the 4.49 % rate - I'm sure it's close to zero.
Consumer complaint received 2019-03-29
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. (CT)

I was never warned by XXXX XXXX that they would do a hard inquiry and I have no goods from them that wer n't paid for in full at the initiation of service. They only had my name and last 4 of my Social and were able to do this hard inquiry without telling me. 
This is what it looks like on my Equifax report : XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies This inquiry could stay on your report until XX/XX/XXXX. 

No contact information has been reported by this creditor.
Consumer complaint received 2019-04-24
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: SUNTRUST BANKS, INC. (GA)

THEIR WAS A {$2400.00} CHARGE ON MY MY SUNTRUST MASTERCARD ON XXXX-XXXX-2017 THAT I DIDN'T AUTHORIZE. IT WAS PAID TO XXXX XXXX. I TRIED TO CONTACT THE BANK AND WAS TOLD IT WAS LONGER THAN 18 MONTHS AND THEY COULDN'T DO ANYTHING.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (MO)

My complaint against MRS is multifaceted : repeated calls from often " spoofed '' numbers and autodialed, never received anything by mail, inadequate information to be able to dispute this collection attempt, concern I am the victim of identity fraud but unable to pursue as MRS is uncooperative and withholding information, never having been a customer of the company they claim the debt is from, and MRS refusing to provide their contact information. I receive multiple phone calls a week from this company, sometimes 3 or more a day. Calls are sometimes from an XXXX number, but more often they are from a " spoofed '' local number. They asked for me to give personal information, which I refused to verify over the phone. They then refused to tell me the name of their company, their address, their contact number, or the nature of their call. These calls have been continuing for roughly 6 months now. I no longer take their calls, as they do not seem reputable. I have received nothing in the mail, and no debt validation letter. I did receive 1 text message on XX/XX/2019 ( see attached screenshot ). The text states this is regarding a XXXX XXXX debt on behalf of another debt collector, XXXX XXXX XXXX. No account number has been provided. I have never been a XXXX customer in my life, so I know this is not my debt and their collection attempts are not legitimate. I have not received enough information from them to even dispute this ( no address, no account number, nothing by the mail ). Nothing has ever appeared on any of my credit reports. I am not sure if I have been a victim of identity theft, because when I reached out to XXXX with that very concern, I was told they could not search or verify without an account number to reference, which MRS has failed to produce. The callback number provided in the text does not match any online records for MRS BPO. Again, I have never done business with XXXX. I have no address to contact MRS in writing, and they have not provided adequate information for me to even dispute this collection attempt.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX which is now controlled by XXXX XXXX refuses to provide information requested. In addition, they will not return phone calls. To make things simple for the CFPB for which I believe is in cahoots with XXXX XXXX because of financial gain. XXXX filed a false entry in 2015 and XXXX XXXX refuses to provide detailed information or return phone calls, and names of people that they say in their letter that verified. Please read the attached document which includes complete detailed information that has taken me many hours to compile because CFPB is in partnership with XXXX XXXX. My only remedy left is to take legal action which I can't afford due to the fact I'm a XXXX XXXX XXXX veteran.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (TX)

Sometime in 2017 a checking account was opened using my social security number and a name different than my own.my name is XXXX XXXX But someone created a synthetic credit file using my social security number but using the name XXXX XXXX along with a fake social and id in that name.already filed multiple police reports as well as a ftc report.Us bank is reporting that I owe thru XXXX.the account was opened in Wyoming after investigating myself.also many fraud accounts were open in Wyoming and Colorado around this time frame.I have never lived in Wyoming.or Colorado.I provided proof of my residency while filing reports with police etc.I have always lived in XXXX texas.the social security number used was XXXX
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

The company XXXX XXXX XXXX, is harassing me for a debt they say I owe, it doesnt even show in my credit history, they say that they sent letters of collection to two address that I have not leave there for more than ten years, and the account was suppose to be in debt since 2012. They have call my work place asking for me and have call my cell phone treading to sue me even take my property away.

I contacted HSBC asking them for information on my debt and they didnt find anything, I called folder dept and found nothing so I wrote a letter asking to get the company name they sold my case to ... I suppose to owe {$660.00}. This is the number to reach XXXX. XXXX number is this XXXX. The place sounds like its empty with an echo, then they call back and has some voices like operators but I didnt hear it before ...
Consumer complaint received 2022-03-08
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. (MI)

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 XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (AP)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (DC)

In XX/XX/2018, I received an email asking me to upgrade from the XXXX Visa Card to the XXXX XXXX XXXX Visa Card. WIth that, I would receive XXXX XXXX points, as well as double the points on Gym membership as well as 2 qualifying nights for every XXXX, in addition to 5 nights a year. 
I made the upgrade through the link on XX/XX/XXXX, which is when I also switched the payments for my gym to my Visa. 
I haven't received the XXXX points, 5 nights, nor the 2 nights per XXXX nor the bonus points with purchases. I have used my Visa for many purchases for this reason. 
I contacted the regular Chase Visa line who said I wasn't upgraded. I asked to correct that retro the upgrade as I did it in XXXX and they said there was nothing they could about this. 
I reached out to Ms XXXX XXXX at card executive services, and after three follow-up she never replied or returned a phone call.
Consumer complaint received 2019-03-29
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. (CT)

I have a hard inquiry on my Equifax report and I never heard of the company and they provide no information on it in the report. I have had no dealings with this company! It looks like this : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   This inquiry could stay on your report untilXXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 

I have had no dealings with this company!
Consumer complaint received 2022-07-08
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. (AP)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXXXXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX  XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2022-03-08
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. (TX)

XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX  XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2022-07-05
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)

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

In accordance with the Fair Credit Reporting Act XXXX Account : 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 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX I contacted Barclays AAdvantage Credit Card Service Department to formally dispute a purchase of XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXXXXXX XXXX. The puppies were sick and unable to control urinating and defecating, so I returned the two puppies to the store on that day. 
On XX/XX/XXXX I faxed a detailed letter to Barclays AAdvantage Credit Card Dispute Department outlining the reasons for returning the puppies to the store and that I asked for a full refund for the purchase price of the puppies {$3200.00}. 
OnXX/XX/XXXX Barclays AAdvantage Dispute Department contacted me stating that the charges would be reapplied to my card and that I will receive a letter requesting additional information as to why I am requesting to dispute the charges that would allow me to continue to dispute the charges. I NEVER RECEIVED ANY LETTER FROM BARCLAYS AADVANTAGE DISPUTE DEPARTMENT. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute department informing them that I have not received any letter from them. Barclay AAdvantage Dispute Department stated that the letter could take between 7 to 10 business days and that I should give it more time to arrive. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute Department letting them know that I have still not received the letter from them so that I can properly respond to their questions for disputing the charges. Barclays Advantage Dispute Department said they would resend me the letter via email and to expect it within 2 business days. 
XX/XX/XXXX I had not received am email from Barclays AADvantage Dispute Department so I called them again asking for someone to send me the information. During that call with Barclays AAdvantage Dispute Department the call was some how disconnect and the wait time to reconnect was over an hour. 
XX/XX/XXXX I have still not received any letter from Barclays AAdvantage Dispute Department so I called again and again I was told that they would send me the letter via the mail and that they can not send this information via email. 
The problem is that my credit card bill is due XX/XX/XXXX and I have not been given the letter so that I can respond to the disputed charges.
Consumer complaint received 2018-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (NC)

My name is XXXX XXXX I have my car finance threw XXXX XXXX XXXX Im in a financial struggling to pay bills I got behind in my car payments I called and explain to American credit they still came got my car when they came they broke a piece in my car I had to drive 30 minutes to get my car back they call my job harras me the company is American credit Acceptance I spoke to XXXX XXXX his number is XXXX American credit Acceptance number is XXXX
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (CA)

On XX/XX/19 I got rejected for a loan with XXXX by XXXX XXXX XXXX XXXX. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.
Consumer complaint received 2019-03-29
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. (CA)

My complaint is against all 3 credit bureaus : XXXX, XXXX  and Experian. Im a victim of fraud and previously I submitted a complaint against XXXX XXXX since they are refusing to remove a fraudulent account from the all 3 credit bureaus. The account is from XXXX XXXX account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an XXXX claim as a last warning in case that account still reflects on my credit reports.
Consumer complaint received 2019-03-29
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)

My complaint is against all 3 credit bureaus : XXXX, Transunion and XXXX. Im a victim of fraud and previously I submitted a complaint against XXXX bank since they are refusing to remove a fraudulent account from the all 3 credit bureaus. The account is from XXXX bank account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an XXXX   claim as a last warning in case that account still reflects on my credit reports.
Consumer complaint received 2018-05-01
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. (TN)

XXXX/XXXX is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

Seterus which is now controlled by Mr. Cooper refuses to provide information requested. In addition, they will not return phone calls. To make things simple for the CFPB for which I believe is in cahoots with Mr. Cooper because of financial gain. Seterus filed a false entry in 2015 and Mr. Cooper refuses to provide detailed information or return phone calls, and names of people that they say in their letter that verified. Please read the attached document which includes complete detailed information that has taken me many hours to compile because CFPB is in partnership with Mr. Cooper. My only remedy left is to take legal action which I can't afford due to the fact I'm a XXXX XXXX XXXX veteran.