davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
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)

XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.
Consumer complaint received 2019-02-09
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. (OH)

I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (WA)

I received communication from a credit bureau that my account was closed. i had not received any notification from the credit card company. I called & was told it was closed for inactivity & that a letter had been mailed XX/XX/2019. i have not received any correspondence as of today XX/XX/19. I verified that my contact information was correct. The bank that has the credit account is XXXX XXXX, and I have had problems with them once before with a refund they owed me last fall on a different account ( which they finally sent, twice ... .the 2nd refund was returned ). 
What is the course of action when there is no notice?
Consumer complaint received 2019-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (HI)

In XX/XX/XXXX I took out a loan with XXXX for {$500.00}. During the process, it was required that I set up auto-draft which was done for {$72.00} which included a {$21.00} payment towards loan and {$50.00} towards a " savings account ''. The initial payment was processed but as I was monitoring my account, I noticed that the payments were not being drafted. In XX/XX/XXXX, I called the company and addressed the situation, they blamed it on my bank and not their system. I called my bank ( XXXX  XXXX XXXX ) and they reported that there had never been attempts to withdraw from this company. I called them back and made a payment via debit card. At this time I set it up to auto debit from my debit card. Again, they were not drafting. This time, They reported 60 days late on my credit. I called them back made payment and asked them to remove the incorrect reporting. In XX/XX/XXXX, they agreed to close the " XXXX XXXX '' account and agreed to remove the incorrect negative. I again agreed to make payments from my debit card for the loan only. Once again, they did not make any drafts. I called again, asked to speak with a manager and was told that I would receive a callback. This was in XX/XX/XXXX.  No response no payments. Today, the account was once again reported as negative. There is a whole facebook page ( XXXX XXXX XXXX ) with 100 's of complaints about erroneous credit reporting, trouble making payments, not being able to pay off balances, poor customer service, and conflict resolution etc.
Consumer complaint received 2019-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ok so i send out a letter to the company XXXX XXXX XXXX XXXX XXXX ... ... debt is Not recognize by me. they have send letters to come a agreement but i just ignore them. The debt aomunt is XXXX and the date goes back to XX/XX/12. so i aslo send letters out to Transuion/ XXXX /XXXX. So on my credit report the olny one that still show up on debt is Transuion. The rest of the reports the debt was erased. i need help for this debt dose not show up on my credit report no where/ Transuion.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AL)

I'm filling a complaint against wells Fargo mediation program for violating my rights some one stole my wallet with my personal information wells Fargo had a mediation some one pretending to be me so they sent me a form to fill out XX/XX/XXXX and I did the reason is I opened a account at wells Fargo a white female told me u get XXXX own a promotion when u open account up so I did I never got no paper work explained about over draft fees the XXXX said don't go through drive thru because the bank teller hate XXXX so I went to the ATM machine no money came out I got over draft charges for XXXX dollars and some XXXX in they branch open another account in my name I spoke to a mediator XXXX XXXX she gon na tell me all u XXXX sounds a like I'm seeking mediation for XXXX dollars they not right I'm a human like they are
Consumer complaint received 2019-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (GA)

I was laid off and I tried to contact Lending Club by phone but could never reach them I email them and they never responded. Then collection companies started calling me at all times of the day and night they kept asking for my personal information and I never heard of these companies. I have sent them some funds and emailed lending club too see if they could reduce loan. Lending club never responds. I have not received any mail only phone calls from companies that want my personal information.
Consumer complaint received 2019-02-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has subsidiaries, notified Transunion that the CFPB investigated the issue and that it was found to fraudulent but Transunion has found the acct as correct,
Consumer complaint received 2023-07-01
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: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX You are in direct violation of the fair credit card reporting act CREDIT ACCEPTANCE CORPORATION 15 U.S.C 1681 Section 602 A Cleary states that i have the right to privacy.

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 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. 
Please remove these late payments and update this account immediately as you are violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2019-02-09
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. (TX)

I disputed a fraud on my credit report through XXXX XXXX .I contacted u all and it was deemed fraudulent after u guys investigated it.I sent a copy of the message I got from the CFPB and sent it to Transunion and they are saying after their investigation its accurate.The acct was XXXX XXXX   which was sold to XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-08-18
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. (GA)

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

15 U.S.C 1681 Section 602 A states I have a 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
Consumer complaint received 2022-03-09
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)

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, FL ; XXXX, FL ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/2021 are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Purchase XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX plus giving up my old XXXX XXXX in the amount of XXXX a total of XXXX. The XXXX XXXX were return to XXXX XXXX on XX/XX/XXXX with US Certified Mail Tracking Number XXXX we have made continuous attempts to get the money credited back working with both XXXX XXXX  and XXXX XXXX  and they keep denying the claim, saying they did not receive the XXXX XXXX according to the USPS they were received on XX/XX/XXXX we have the return receipts from them. 
We have file complains with the company NYS Office Of Attorney General File Number XXXX. 
We return the XXXX XXXX due to the fact that we were issues with the XXXX  XXXX from the beginning we went in for several appointments with no resolution. No Warranty card was ever giving to me leaving that led me to the conclusion the XXXX XXXX were old or use. No LACE program access was ever given for me to configure XXXX  XXXX We started writing Emails on XX/XX/XXXX with no resolution and began writing letter to XXXX XXXX to have the problem resolved with it was never resolved Wrote A Letter dated XX/XX/XXXX and that was sent along to XXXX XXXX on XX/XX/XXXX with the XXXX  XXXX XX/XX/XXXX File a claim with New York State Attorney General received response from them XX/XX/XXXX Received Letter from XXXX  attached dated XX/XX/XXXX stating that XXXX XXXX claims non receipt of merchandise Wrote follow up letter on XX/XX/XXXX received response letter from XXXX   XX/XX/XXXX wrote follow up letter XX/XX/XXXX including all information I am attaching
Consumer complaint received 2019-02-09
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. (MA)

The original debt was charged off in XX/XX/XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this  collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called XXXX XXXX XXXX XXXX. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files. All credit bureaus are being aware of this problem as now two debt collection agencies/debt buyers are in violation of their subscriber agreement across the board with the major credit bureaus. The credit reporting as well as the debt collection is 100 % fraudulent and needs to cease immediately and permanently.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I had a XXXX XXXX credit card from XXXX XXXX with a {$500.00}. dollar credit limit. I had a balance of under {$200.00}. and attempted to pay my balance off by phone over 6 times. Then they closed my account after many late fees and interest and reported my account to the credit agencies. 
Now I am unable to get a XXXX XXXX for medical expenses due to their unfair practices. I was happy to pay the balance but have since charged off the account during the XXXX pandemic. 
Thank you, XXXX XXXX
Consumer complaint received 2019-02-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

In the Spring of XXXX my XXXX was very ill so he executed a Durable Power of Attorney and I went to all the banks he had accounts in his individual name to get them moved into his revocable trust account. All the Bank 's were excellent and timely in approving my Durable Power of Attrorney ( DPOA ) except Santander Bank. XXXX XXXX XXXX and XXXX XXXX XXXX approved the Durable Power of Attorney within 2 weeks. Santander Bank never approved the DPOA and I went to the bank at least XXXX times in person to follow up. Their legal department received the DPOA to approve from the downtown XXXX XXXX in the Spring of XXXX. 

Finally I had to take my Father, who is in Hospice and on oxygen XXXX hours a day and using a wheelchair and a XXXX physically to the XXXX XXXX XXXX Santander  Bank. We went to the drive-thru which I thought would be easier on my XXXX. We were told he has to physically come into the lobby to be on their camera 's to withdraw his money and get a bank check. I know the drive-thru tellers have camera 's on the cars that pull up. I requested the branch XXXX come out to the car to have my XXXX fill in any forms they need and when the check was ready I would do my best to get him into the branch to wave at the cameras. She finally said the check was ready so I got my XXXX 's oxygen and XXXX and we made it into the branch. We still had to stand there more than 20 minutes and the check was not ready by the teller so the branch manager had to get her chair for my XXXX to sit in before he collapsed. He withdrew large amounts from two accounts and the manager said that he had no other accounts with their bank. It turns out that he had a third account with {$37000.00} in it held in his individual name. My XXXX passed away on XX/XX/XXXX and now I have to go to XXXX because of Santander never approving my DPOA and not telling my XXXX that he had a third account in his own name. I really hope you pull the video from that day in XX/XX/XXXX to see how pathetically they treated a person and made it so difficult for someone to get their own money out of the bank. The DPOA should have been approved timely. 
I would like to be reimbursed the approximately {$2000.00} in legal fees going through XXXX will cost. I also want an appology from the XXXX branch as well as the executives at Santander Bank. 
I have copies of the bank checks with the exact date of XX/XX/XXXX at time stampXXXX
Consumer complaint received 2022-08-18
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 fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : its also state 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 may make any consumer report containing any of the of the following items of information any other adverse item of information, other than record of conviction of crimes with antedates the report by more then seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I am AUTHORIZED on my sons Capital One Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me. 

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit. 
I do not want it on my credit at all ... 
Under the FCRA and the FDCPA they are in clear violation.
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

General Information Account XXXX Vehicle XXXX XXXX XXXX Purchase Date Sat, XX/XX/XXXX Maturity Date Sat, XX/XX/XXXX Original Amount Financed {$18000.00} XXXX % 0-day Payoff Balance {$11000.00} good through Thu, XX/XX/XXXX I contacted CAPITAL ONE to refinance my truck. 

They had me sign all kinds of documents but thought that it would be simple and straight forward. 

CapitalOne sent me my terms of loan with them : Aug 16 Amount Financed {$11000.00} -- - I called and spoke to a person about the discrepancy of my payoff and what CapitalOne has charged me and has said I owe. 

THIS IS FACTUALLY AND LEGALLY INCORRECT.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I received an answer to the previous dispute I posted yesterday XXXX to Equifax. They responded by stating that they verified the chapter XXXX bankruptcy with a third party XXXX XXXX. This is a not true statement seeing that a freeze has been placed on my account. I would like them to provide me with proof at this point that they are getting this information from them because. I have received something from XXXX XXXX  that there is a freeze on my account. I will attach the document.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

I have been trying to call Equifax yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) to have them unfreeze my credit report that was frozen after their security breach. Every time I have tried to call, they tell me they can't pull up any reports because they are going through a " major security upgrade '' and they do not have " any information '' they can tell us about what is going on. And that I should try calling back every hour. 

It sounds like something major is going on at the agency. And it is terribly problematic that I can't access my credit account. I unfroze my account online using my pin and then moved my account from locked to unlocked, but the lender I am working with indicates my account is still frozen.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (FL)

Opened a New Account with M & T on XXXX XXXX. 
Transfered money from my other Bank Accounts on XXXX & XX/XX/2022 for a total of $ 5K. 

M & T placed restrictions on my account to use this money & not letting me Transfer this money. I Called Customer Service to remove the restrictions or close my account and refund my money back to the source accounts. 

They are not doing either, please help me in getthing the account closed get my money refunded.