davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (CA)

Out of curiosity, I contacted XXXX on XXXX/XXXX/2014 after answering a make money quick scheme type of post on XXXX. I left my information and was quickly contacted by a representative. I was told about the opportunity to make money with their proven system. I was sweet talked and after a few minutes I asked what the investment was and was told it was XXXX+. I thought it was way too much, and then I told them that I could not afford this since I had no money for this investment. I then was told that if I paid it I would have three days to cancel the program, and was told that they would help me get a credit card from Discover to cover the cost. I was given a number to call a Discover rep and was given XXXX+ in credit and then I went ahead and made the investment since I had a 3 day period to test and see if it was worth the investment. I was told that I would receive a call a day or two from the date of the contract and received a call from one of their expert instructors who was going to give me a coaching lesson on how to set up and XXXX account. I told the person that I already knew how to do this and then discovered that I was just going to be overcharged on a dropshipping business that I could set up myself. I called and tried canceling. I was told that all I had to do was call them and cancel and they would do that for me but they refused. I then emailed them and tried cancelling and the same. I tried canceling the service since it was just instructions about making an online business with XXXX via drop shippers. I contacted Discover cards and disputed a fraudulent activity from XXXX. After, Discover made a supposed investigation, they came back to ma and told me that the information provide by the merchant was accurate. Then they reevaluated my credit and said they that my credit was now a XXXX from the intial XXXX+ they had given me when I first contacted them via XXXX. Today, I am paying back the negative debt that Discover unfairly and fraudulently buried me in. I strongly believe that Discover has a direct deal with XXXX and they are a very shady company that does not take into account the consumer. I sent all the proof of the fraudulent activity from the vendor and I think it was ignored or not even looked at carefully and I would like to contest Discover on this and have the credit put back into the card and be compensated for what I have paid so far. Please advise
Consumer complaint received 2020-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

They closed my credit card without any previous notice, So my card have XXXX points they even doesnt let me get this points they told me you should have at least XXXX points, all I need my points back because you the one who closed my account without any permission, the points never expired but you badly closed my credit.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX submitted hard inquires to all credit Bureaus on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These were submitted to both Experian and XXXX Credit Bureau for the dates mentioned above.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : Transunion Credit : XX/XX/2022 - XXXX XXXX  New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and Transunion and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 three 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 XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

I have filed several disputes with all XXXX credit bureaus and each XXXX is still reporting XXXX XXXX incorrectly on my credit report. This bill was paid off XX/XX/XXXX. Each credit bureau which includes : Equifax, XXXX and XXXX are still reporting delinquency as of XX/XX/XXXX.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I received continued collection phone calls from XXXX ( XXXX XXXX ) and advised them I have no debt with them. They advised me they are collecting on behalf of an old debt in XXXX from HSBC. That debt was included in my bankruptcy and was discharged on XX/XX/XXXX. I had informed them and to stop. In spite of their system that shows my account was in BK, I continue to get phone calls and messages to collect this debt which is a violation of my bankruptcy discharge
Consumer complaint received 2016-06-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

bank of America is calling my home ever day and night threating me and my wife.be cause we paying the morage late .one month late because I get pay every two week.i informend theme about a 100 time that I am the only one work .my wife is very sick. she wont be going back to work. she file for s.s.but she still waiting.they are making threat.thatthey are going to come to my home.XXXX.send cop sand they also got the XXXX.calling and making threat.
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: Experian Information Solutions Inc. (AL)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Consumer complaint received 2019-03-20
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: LEXISNEXIS (AZ)

I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago.

I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!
Consumer complaint received 2022-04-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. On Saturday XX/XX/XXXX I was emailed an alert advising me of a fraudulent application attempt at Bank of America. Upon researching further, I have found that several fraudulent credit card applications were submitted to Bank of America resulting in multiple fraudulent inquiries on my XXXX credit report from Bank of America. I exhausted all reasonable attempts to contact both Bank of America and XXXX to address the fraudulent inquiries. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the inquiries removed impossible. Bank of Americas phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Bank of America inquiries removed from my XXXX Credit report. The dates of the fraudulent Bank of America credit report inquiries are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If the inquiries are not removed, then my only other option will be to seek legal assistance for damages caused by Bank of Americas refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Bank of America.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I applied for a Citi XXXX XXXX XXXX and never heard back regarding my application. The website says the typical wait time is 7-10 days so once that time period passed I check the website and was told my application was still being processed. On XX/XX/XXXX, I called the company to request an update and was told that my address was on file incorrectly and that they would fix it and send me a confirmation letter to process my application. Another month and a half passed and I still received no letter so on XX/XX/XXXX I called back to request my application be withdrawn. I expressed that I did not want to bank with Citi because of the 4-month negative custom service experience. Instead of withdrawing my application, the phone attendant approved it on the phone immediately, issuing me a credit card that explicitly stated that I did not want it. After that call, I have spent 45 minutes on the phone with different Citi Bank customer service lines and no one can assist me in A. filing a complaint and B. halting the process of opening that card. So now I'm stuck with a card I do not want or having to make the decision to close the account I never opened and have it impact my credit score. I'm also concerned about receiving the card in the mail at all to begin the process of closing the account seeing as none of the previous mail correspondence has made it to my mailbox which is part of what prompted this issue in the first place.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXX XXXX XXXX. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Paid off my car in XXXX with Citizens Bank. I have yet to recieve a release form so I can go to Secretary of State. I called XX/XX/XXXX and again XX/XX/XXXX. I've also called today. The first call in XXXX said they would mail a title. The call in XXXX said based off my state that's impossible and that it would take 10 to 14 days. Now it's XXXX and still no release of title form.
Consumer complaint received 2020-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

I discovered that I had several very old medical bills sent to collection on my credit report earlier in the year ( XX/XX/XXXX ). I reached out to the collection agency to settle the debts. I made arrangements to pay for all 4 outstanding invoices and promptly paid the amounts. I was told that my debts were paid IN FULL and my credit report would be appropriatly updated. The following month ( XX/XX/XXXX ), another bill appeared on my credit report for the same amount previously paid ( this is the 3rd time a charge for {$760.00} was reported, I had already paid two bills both for {$760.00} ). I called the collection agency again ( XX/XX/XXXX ). And they said that the additional bill was added because they were only allowed to post 4 bills at a time. This did not sound right to me, I couldn't understand why another bill would suddenly appear when I was told the month before that all bills were paid in full. I paid 5th bill, reluctantly, becuase I wanted to have my credit repaired. Now, several months have passed, and after 6 months and after paying the 5th invoice totaling over {$2000.00}, another bill for {$620.00} which was also the same amount previously paid in the first 4 invoices, suddenly appeared AGAIN on all 3 credit bureaus. One credit report, XXXX shows 2 bills both for {$620.00}. When I called the collection agency again on XX/XX/XXXX, they said that these bills just arrived, yet they are dated XX/XX/XXXX & XX/XX/XXXX. I said how can bills suddenly appear from 6-7 years ago when I was told all were paid in full a few months ago? Also, the original debt holder, XXXX XXXX XXXX XXXX XXXX, is now I believe a closed operation. So how can they have sent over 2 bills over 6-7 years old when they're not even in operation? I saw hundreds of complaints online about this very same thing for both Commonwealth Financial and XXXX XXXX XXXX. Commonwealth gave me account numbers for these 2 bills that do not relate at all to the previous account numbers and I received letters of deletion for the 5 invoices I have already paid, but most letters do not make sense and just show zero due. 
I am convinced there is fraud occuring here as I do not recall having so many outsanding medical bills especially since I did have insurance during the dates of these invoices.
Consumer complaint received 2018-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX WAS NOT REMOVED FROM XXXX ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (MN)

XX/XX/2019 XXXX agreed to stop collection as you can see in my cfpb account. RG financial filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to local Bank of American Branch and forwarded {$500.00} XXXX Money Order for a secured credit card. 
I was approved and received my card from Bank of America. 
Within days, my first transaction was declined. I called and was told that my account was closed due to NSF check. I immediately went to the same XXXX XXXX and they forwarded me a printout showing the Money Order was issued and was never even presented for payment. 
I went to the same Bank of America and was told that there is nothing they can do because I do n't have a bank account with Bank of America. She called her credit card department and was told the same thing ( with correct money order # and routing number ). 
I received a generic letter from Bank of America - " We 've received notification from your bank that the check that you provided to secure the above referenced account has been returned due to the transaction was not authorized ''. There is NO accompanying return Money Order or any form of payment. 
I went back to XXXX and again they confirmed the same thing - money order was issued but has not been presented for payment. 
I returned to Bank of America branch to inquire WHERE IS MY {$500.00} Money Order. Once again, they told me they have nothing to do with the credit card department. 
This amounts to legal bank robbery.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated, but how is that possible if the fraudulent account was never blocked due to identity theft. 

I have sent them a copy of my police report and also informed Transunion that the id theft situation is all ready being investigated and the listed account shall be removed and blocked.

This is ground for removal and they also violated my rights under 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 that a consumer reporting agency can not furnish a account without my written instructions