davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (MO)

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # 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 OAG child support Enforcement # XXXX / # XXXX / # XXXX Missouri Div Child # XXXX / # XXXX XXXX # XXXX XXXX  # XXXX
Consumer complaint received 2022-04-10
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. (NC)

XXXX XXXX XXXX XXXX Auto Loan 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
Consumer complaint received 2022-02-24
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)

XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Consumer complaint received 2022-08-26
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. (MO)

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # 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  OAG child support Enforcement # XXXX / # XXXX / # XXXX Missouri Div Child # XXXX / # XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2022-04-10
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. (IL)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Account # XXXX The Above-mentioned Accounts have 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 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 2017-08-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc. (TN)

This company called my brother today. My brother, who I RARELY have contact with, and definitely did n't have contact with back when they say this debt was obtained. For one, this supposed debt was in 2009 in Alabama under a misspelled name. Secondly, I have already asked for documentation of this debt for the past 2 years and never received it. Lastly, they have now called my in-laws, my moms husband from 10 years ago, that she 's no longer married to, mother, and now my brother ( who recently got a new phone number, so I know this number was never provided to them. Ironically, I had just talked to him yesterday for the first time in years, then this morning they all of a sudden call him to say I 'm going to jail if I do n't pay off this debt ( same thing they told my in-laws and my ex-step-grandmother ), because they claim they ca n't serve me papers.

This is HARASSMENT!
Consumer complaint received 2022-08-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I applied for mortgage forbearance and was approved on XXXX XXXX it was explained to me that any missed payment while under forbearance will be continued to the tail of my mortgage. The forbearance ended and now I would like to continue my monthly payments as agreed. The mortgage company ( nationstar now Mr Cooper ) said that I must accept a loan modification instead and or paying a lump sum of all the missed payments while on forbearance. ( About $ XXXX ) It was explained to me yesterday that those are the only 2 options I have. And that what any agreements about attaching the missed months to the end of the loan is not doable. 

The loan modification effectively increases my total mortgage over $ XXXX with instantaneous profit for Mr Cooper of $ XXXX, whether or not my loan is sold in the future. I can not any advantage to taking a loan modification when that is not what I agreed to.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

Chase detected fraud actions in my checking account via my debit card. 

Over {$1000.00} has been stolen from my account via fraudulent action. I contacted Chase and opened many claims regarding all the unauthorized charges. Chase told me is going to take over 10 business days for me to get a refund. In the meantime, I have bills to pay. 

As a consumer, I feel violated, because Chase should have protected my account- it is not my fault that someone was able to clone my card and fraudulently use it. 

The fact that I need to wait 10 BUSINESS days to get my cash back is absurd. It's like rewarding the culprit and punishing the client. 

Please help!
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Account # XXXX The Above-mentioned Accounts have 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 2022-02-23
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-10
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. (AR)

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX XXXXXXXX XXXX XXXX {$450.00}
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

Bank of America is maintaining a blacklist of former accounts in violation of the FCRA and FDCPA. 

I was denied when applying for a Bank of America card, and was offered an option for a secured version of the card with different terms. The main reason stated for denial was that I had a current or past delinquency with them and/or one of their affiliates. I have never had a card issued by Bank of America, and no delinquencies at all on my credit report. Therefore, I can only assume they are referring to a card from one of the banks they have acquired since 2008,  which was closed, sent to collections and paid many years ago. This means that they are using data older than the statue of limitations ( e.g. time-barred ).
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (WA)

I am complaining about a debt Held by Credit Management LP and originally credited by XXXX in XXXX, IL. I moved from XXXX in 2019, XXXX, and my ex girlfriend who i was moving away from had agreed to take our XXXX cable equipment to XXXX for drop off, she said she did this, and I had a picture of it on an old phone but I know it was dropped off. I have disputed this charge for years now and they keep saying it was accurate. I DO NOT OWE THIS MONEY TO XXXX, {$210.00} FOR EQUIPMENT THEY RECIEVED. i NEED THIS OFF OF MY XXXX AND XXXX REPORTS. 

THEY CAN NOT CHARGE ME FOR SOMETHING i GAVE BACK TO THEM. AND DID SO UNDER CONTRACT OF " LEASED EQUIPMENT ''. what they are doing is hurting my credit on purpose and refuse to release XXXX for equipment and services they got back after account cancelation.
Consumer complaint received 2017-04-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (PA)

I used my BB & T issued debit card to get XXXX XXXX from an ATM at XXXX airport in XXXX, XXXX on XX/XX/2017. The ATM machine did not work. After I entered my information and selected the amount of money I wanted to retrieve the ATM screen turned white and after a couple minutes it said that the transaction did not go through and that the machine was out of order. 
When I came back to the US I was surprised that BB & T charged my account {$210.00} for money that I had not received. I complained to my account manager on XX/XX/2017. She initially told me that I needed to contact the XXXX bank who operated the ATM machine and that she was not there to know what exactly happened. After pressing back and pointing out that her customer service approach did not make sense, she placed me on hold to looked further into a resolution. She eventually told me to stop by a BB & T branch to file a complaint. I complied and filed a complaint and the charge was provisionally reversed on the same day. To my surprise and without further communication from BB & T the charge was reversed and my checking account was charges {$200.00} dollars on XX/XX/2017.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I had an insured money director account in XXXX Bank of New York. 
I used it to pay some bills. In XXXX XXXX i sent a check to XXXX XXXX that was returned in XXXX XXXX with a legend : Return reason-e : unable to locate acct. 
Since then i have trying to get in contact with them but had no response.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

I have paid my mortgage to Lakeview since XXXX of XXXX yet the have failed to report my loan to the credit bureau. I have a XXXX of all my payments ( none late ) yet I can not get them to report to any of the 3 bureaus. This means I can not refinance because other lenders can not see my loan. They basically have me XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-02-10
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are two unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible please. I have already taken action to prevent anyone else to try and open anything under my social security number.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX ACCT # XXXX ACCT # XXXX, XXXX  XXXX/XXXX  ACCT # XXXX, XXXX  XXXX/XXXX XXXX  ACCT # 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 2022-04-14
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. (MA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX COLLECTION Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX COLLECTION Account Number : XXXX COLLECTION Account Number : XXXX XXXX5 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 2017-08-30
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. (NY)

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 10 years old and must be removed from my credit report. 

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to XXXX XXXX XXXX on several occasions. Despite several disputes to XXXX, Experian and XXXX, they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, 9 separate messages were left for a " XXXX XXXX '' at XXXX XXXX XXXX. None have been returned.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (TX)

I obtain credit lines with community bank over a year ago. I have XXXX credit lines with them for Victoria secrets, anne taylor, and XXXX. My XXXX XXXX was XXXX last year right before the new year. There was no life insurance nor do I receive social security. I missed a lot of work during that time in addition to having had XXXX and my son younger son becoming ill and having to have his adenoids removed. I fell delinquent. I tried to make arrangements but what I could pay they were not willing to accept. I became displaced and had to live with a family member for a while. I reached out to them to place me on a hardship program which they could not without taking a down payment. I told them the money they were trying to collect I did not have but if they could make more reasonable arrangements I could work with them. Each time I spoke with a manager she /he promised to call me back with a resolution but they never did. I continued to call still with no resolution. Finally I called and was threatened with having my wages garnished. I advised the rep that she could not do that without first filing a law suit. I reported the incident to a manager who again apologized but no action was taken, this same manager indicated she would call me back but never did. I have since received calls from them sometimes over 20 times a day back to back. I have asked them to stop calling me if they are not willing to work with me and harassing me and the calls still have not stopped. They have been in multiple violations of the fair debt credit collection act but simply do not care. I am not nor was I ever trying to get out of the debt but I wanted to come to a sensible resolution. At this point the calls have become harassing. Once I brought it to their attention they started alternating between the types of calls ie private and then sometimes from different numbers.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (MD)

I recently applied for a citi credit card.My application was denied since the bank ( citi ) stated that my address or phone number are located overseas.I am not sure where or how they got this information, I 've been residing in the US for the last 25 years and am a US citizen.The denial letter was sent to my home address I listed in the application which is obviously in the US and I am including it below as well as my phone number. 
I contacted citi to inquire how they determined that my address and/or phone number are located overseas but there were not able to provide me an answer. 
Would appreciate if you could look into this matter. 
Application ID : XXXX XXXX MD XXXX Tel : ( XXXX ) XXXX
Consumer complaint received 2022-08-26
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. (TX)

Experian is a total fraudster. Ive got 42 hard inquiries of which 41 are ludicrous companies ive never done business with. If you take a look at my XXXX  or XXXX you'll see none of those inquiries...
Consumer complaint received 2020-02-10
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. (FL)

Good morning! I recently checked my credit and noticed two collection accounts which I did not recognize nor authorize. These accounts are fraudulent and do not pertain to me whatsoever. They are listed as XXXX XXXX and XXXX XXXX XXXX. Please help me in resolving this matter.
Consumer complaint received 2023-01-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one starts calling at XXXX when I'm in the middle of my morning routine for my XXXX child and calls repeatedly even if I have talked to them the day before and have given them all the information they ask for. 
They also will call and just hang up repeatedly. 
I have asked them to stop and have been told the phone calls will continue unless I pay the debt. 
I do not have possession of the vehicle the coborrower does and I have no ability to pay the debt and no way to contact the coborrower. 
I have explained this multiple times to Capital one but they continue to harass me with phone calls asking for the same exact information daily at XXXX in the morning. 
This is starting to feel malicious. 
Please help me. 
This particularly overwhelming due to the recent death of my father on XXXX XXXX. 
Please help me