davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (LA)

Someone tried to open a Nordstrom credit card account using my name. They were unsuccessful. I was notified by XXXX that this took place. XXXX helped us contact them and all is well, but XXXX suggested I still report it with you.
Consumer complaint received 2022-02-27
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)

I am a victim of identity theft. XXXX bank, XXXX XXXX XXXX, and other miscellaneous inquires has fraudulent accounts on my credit profile that need to be moved immediately.
Consumer complaint received 2022-02-27
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)

I am a victim of identity theft. XXXX bank, XXXX XXXX XXXX, and other miscellaneous inquires has fraudulent accounts on my credit profile that need to be moved immediately.
Consumer complaint received 2017-09-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: BB&T CORPORATION (VA)

On XX/XX/XXXX I applied to have my credit line reopened with BB & T, in the XXXX North Carolina branch. My credit line was suspended due to a drop in my credit score over 3 year plus years ago. I applied to have my credit line opened back up, due to my score has increased, also I have never missed a payment on this credit line or with any other product at this bank. I have also asked for a copy of my agreement with XXXX XXXX in the complaint department and have yet to receive a copy of the agreement as I had requested. I have concerns that I may be a victim of overt discrimination as the bank will not take into account my spouse 's income, and due to the fact I 'm now married. I also do n't believe I have been treated fairly as the Branch Manager told me it was not income related, but score driven. I also complied with all requests such as supplying two years tax returns, making a payment to my credit line and providing current check stubs.
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, IL XXXX ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) 3. ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) 7. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ) 8. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-04
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 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) 3. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) 7. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) 8. ( 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
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NC)

I am filing a complaint against TARGET/TD because they are attempting to collect a debt that I do not owe them. Account Name : TARGET/TD, Account Number : XXXX I would like for TARGET/TD to show proof of verification that I owe them {$1000.00} with the account above. To my knowledge, this account has been paid. TARGET/TD is reporting inaccurate information on my credit report.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (FL)

Re-aging collection accounts is illegal and prohibited by the Fair Debt Collection Practices Act ( FDCPA ). Re-aging Refers to old practice collection agencies use to change the date when an account first went delinquent. Reporting this information regarding this collection agency practice of unscrupulous actions. Collection agency Vance & Huffman LLC. Account # XXXX and Account # XXXX. 
Origination date opened XX/XX/XXXX According to the Federal Fair Credit Reporting Act ( FCRA ) to report 100 % accuracy. XXXX Acct # XXXX also Acct # XXXX Vance & Huffman Date opened XX/XX/XXXX inaccurate Re-aging the accounts. The ( DOFD ) date accounts become 30 days late with no payment. Also showing these accounts as just becoming opened in XX/XX/XXXX Becoming delinquent the following month XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection. XX/XX/XXXX collection, XX/XX/XXXX collection, XX/XX/XXXX collection, etc. With Fraudulent deception with the attempt to report longer on consumers credit report. in hopes of ruining my credit score. XXXX Report # XXXX this has had damaging effects, I'm reporting all the misdealing 's against all parties involved with the state attorney General office .and demanding that these accounts be Deleted immediately from all three credit bureaus.
Consumer complaint received 2022-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On this date, XX/XX/2016 company opened a collection. 
Account # XXXX {$400.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have the XXXX Capital one credit card and recently took a balance transfer into the same account. The balance transfer is held separately at 0 % APR promotional rate for 12 months. I was told by phone twice in previous calls that any monthly payment in excess of the Interest saver payment would go to pay down the promotional balance. However, when I recently paid {$1000.00} over the Interest saver payment, it was not applied to the promotional balance and instead was applied to unbilled transactions of my regular APR account. By using this allocation method, Im shielded from paying down the promotional balance. Unless I stop using the revolving credit card, I have no ability to pay the promotional balance during the promotional period. After calling twice on XX/XX/2022, I was hung up on once, then second time was told these rules were in the terms and conditions. If this is in fact in the terms and conditions, I believe it harms consumers ability to pay off promotional balances through purposeful, hurtful shielding. I have an email which describes the conditions but does not explain that amounts paid above the interest saver option would be applied to purchases that only show on the next months statement and thus they are not honoring their stated grace period for transactions.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (IL)

On this date, XX/XX/2018 company opened a collection. 
Account # XXXX {$290.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In an attempt to apply for credit, I was denied and checked my consumer credit report. XXXX was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both Equifax and XXXX also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing removed.
Consumer complaint received 2022-05-04
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. (TN)

In accordance with fair credit reporting act XXXX XXXX XXXX account number 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-27
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: Experian Information Solutions Inc. (CA)

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EXPERIAN, XXXX, & XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, nor have I signed any contracts with these companies. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus Experian XXXX XXXX, and XXXX directing them to REMOVE these erroneous entry as well.
Consumer complaint received 2022-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (KY)

In XX/XX/XXXX I took out a loan for {$9400.00}. The interest rate was around 60 % and my payments were {$250.00} bi-weekly. In XX/XX/XXXX I did a payment deferral due to covid and they said they added it to the end of my loan. Since that time, ALL of my payments have been going toward interest-only ... my balance has not changed. I did get behind at times due to covid and set up a workout plan late in XXXX to get caught up and actually paid ahead of schedule for the workout. They were showing on the website I was current and no payments were due until XX/XX/XXXX ( 2 months after I paid the last payment for workout ). I called more than once saying I know I should being making payments but each time, the rep said they could not figure it out and recommended I make a payment of {$200.00}. Overall, I know I got behind and my original amortization would be extended, but how can you tell me I am current yet all payments are going to interest only? In XXXX I made total payments of {$4500.00}. In XXXX I made total payments of {$3700.00}. So far in XXXX I have paid {$300.00}. And today... 2 years later my principal balance is {$9300.00} ( {$110.00} less than original loan amount 2 years ago ) and my payoff today is {$13000.00}? In two years I have paid {$8600.00} and my current payoff is over {$3500.00} MORE than my original balance? 

I understand the interest rate is high, but at NO TIME during our conversations did anyone tell me that if I did a payment deferral, I would only be paying past due interest on my loan going forward unless I made up the payments. This can not be legal... so much deception. It's like they hoped I would get past due so they could " help '' me. I never checked my loan history because they made me think everything was fine and in order. I started using the website recently and that is when I noticed.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IL)

On this date, XX/XX/2021 company opened a collection. 
Account # XXXX {$320.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

In XX/XX/2021 we contacted XXXX stating we noticed charges on our credit card statement that we did not purchase from XXXX. XXXX acknowledge in writing on XX/XX/2021 to XXXX XXXX that " I was able to find the charges on another customer 's account for {$3700.00} but, for security purposes, I am unable to share the details with you. If you still do not recognize these charges, please dispute the charges with your bank. To avoid any additional charges, I also recommend asking your bank about the possibility of having the card reissued. Also, none of these purchases were related to your XXXX account or address ( es ) listed in your account ''. 
XXXX contacted Bank of America an a new card was reissued. Old card ended is XXXX. Also disputed the charges multiply times and Bank of America always responded in writing " As you requested, we completed a re-evaluation of your credit card dispute {$3700.00} - unfortunately, our decision to decline your fraud clam for this transaction ( s ) hasn't changed. '' We have disputed this many, many times including sending a police report and a copy of the XXXX email stating they were not our changes and still Bank of America declines the claims. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

On this date, XX/XX/2017 company opened a collection. 
Account # XXXX {$190.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

ON XX/XX/2022 made a ATM withdrawal for XXXX dollars, ATM hit the account twice on same day, which was not right. Bank credited the account then took the monies back again saying that it was legit. It is not, I have asked for video proof and times to prove their point, they are not doing anything. Customer service is not replying
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

My Sun Trust checking account was first hacked into by ATM withdrawals and was done at locations I didn't use.XXXXSun Trust refunded the funds.My only deposit I get is Social Security..they replaced Debit Card and new Pin Number..I explained how my cell phone and tablet was stolen and all my vital info was on these devices.They should have closed my account totally down..In XXXX there were withdrawals again from ATM machine, I filed a dispute which you wait a minimum of XXXX up to XXXX for their off shore Fraud Department to process the claim they denied the claim..I send a rebuttal denied..I live only XXXX XXXX Social Security..its close to $ XXXX, then on the morning of XX/XX/XXXX I get a call from Sun Trust there is suspicious activety..well they used at XXXX an app. called XXXX XXXX.deleting close to $ XXXX Trust reimbursed me immediately..They never suggested to close my account down..they have the person 's name who did Cash Out..he has taken over my phone I'd and passwords..Why are they refusing to give me my money..Trust me its well needed..I 'm a XXXX Person and the past year recovering from XXXX XXXX followed by XXXXXXXX XXXX..I have been a Sun Trust for XXXX. they never had a problem with me..They know it was hacked and just refusing to give me my funds..I was applaud that the Branch Manager told me to go to a XXXX XXXX..and it's my fault that I need to protect my account better. She then precedes to tell me she doesn't use a Debit Card..or Online Banking or Auto Pay..because they are not safe..Please I need my money..Thank You and God Bless
Consumer complaint received 2022-10-24
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. (VA)

Equifax is reporting inaccurate information in my public records. Pertain to a XXXX  XXXX Bankruptcy that was filed on XXXX XXXX that was dismissed voluntary by me they are reporting this case # XXXX as a XXXX bankruptcy and it was in fact dismissed but they are not verifying the information. So they have it reporting as XXXX. 


Which I did file in XXXX XXXX but I then withdrew it. So the courts reported it as a dismissed bankruptcy.
Consumer complaint received 2022-05-04
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 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, IL XXXX ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) 3. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) 7. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) 8. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN 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