davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I deposited a check for {$1400.00} on XX/XX/2018 the funds are usually available in two days after checking my account Wednesday Wednesday XX/XX/2018 I realized that my funds were not available yet so I contacted the bank the bank told me there's a fraudulent hold on the check I spoke with supervisors who would not give me their ID numbers I spoke with fraud protection who will not give me their ID numbers I even spoke to the bank that the check was written out of I gave Santander Bank the numbers of my company the number of the bank that the check was drawn on and I'm still getting nowhere they got a hold on my check that doesn't need to be there my name is on the check it is my checking account it also says payroll check there's no need for a hold on this check it is XXXX time I can't buy gifts this was my layoff check I explained everything to Santander Bank and they don't care
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Timely payments have always been my practice with this account, and I've never let any become overdue. I'm confused by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors need to be corrected.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-02-17
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)

On XX/XX/XXXX, Transunion replied to me with their method of verification on two bankruptcies that they are reporting on my credit report. They stated that I needed to visit their website to find out the identity of their third- party vendor who verified the two bankruptcies ( see attached report ). I visited the website and found out that XXXX XXXX is the third- party vendor who Transunion claims to have verified the two bankruptcies as reporting accurately. However, XXXX website states to contact @ TransUnion in the event a consumer suspects their bankruptcy is not reporting accurately ( see attached ). Transunion states for the consumer to reach out to XXXX ( see attached ) So, really no one has verified these two bankruptcies that are reporting on my credit report. Transunion collects data from XXXX who is regulated under the FCRA and XXXX for public records who get their information from XXXX who does not report full social security numbers so again Transunion is lying. I reached out to XXXX and found out that as of XX/XX/XXXX, XXXX removed the two bankruptcies from their consumer report after their reinvestigation. So, clearly Transunion has NEVER VERIFIED these bankruptcies though XXXX or XXXX.
Consumer complaint received 2020-11-06
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: Nelnet, Inc. (OH)

The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/GLELSI # XXXX
Consumer complaint received 2018-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Date of Charge : XX/XX/XXXX Speedway Gas Station XXXX City XXXX XXXX XXXX, Pa XXXX At the time I purchased the gas - The gas attendant informed me after the gas tank was fill for my car that I could not have a receipt because the machine was broken that prints it out. Charge should have been : {$35.00} was charged {$100.00} for gas at a local gas station by my college. I disputed the charge with Capital One as soon as I saw it on my statement. I received from Capital One at letter with the confirmation of a charge for {$100.00} stating that I purchased {$100.00} worth of gas. I wrote in my dispute letter ( XX/XX/XXXX ) that I own a toyota corolla XXXX it only takes 13.2 gallons of gas to fill the tank. On the receipt from Capital One it stated from the gas station ( that Capital One Requested ) that I purchased 37.893 Gallons of Gas for a charge of {$100.00} - this is a scam they have done this to many local college students to rip off their credit cards. I also expressed this information to Capital One that they should conduct a fraud investigation into this matter. On XX/XX/XXXX I received a letter from Capital One stating that the matter was closed. I am a harding working college student ( XXXX ) this is a large amount of money for me - I work hard for everything I have. Please look into this matter and let me know your findings XXXX Attached is the letters and information )
Consumer complaint received 2021-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I found the company through XXXX XXXX and applied. I received hundreds of emails, texts and phone calls that I was approved but needed to send documents to finalize. I provided all the proof. They ran my credit- a hard hit and said I need a co-applicant. Their advertising and emails are all lies and unprofessional.
Consumer complaint received 2019-03-31
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. (NY)

IVE BEEN DISPUTING THE INACCURATE INFORMATION ON MY CREDIT REPORT SINCE XX/XX/2018. IVE  ALSO SENT COPIES OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD MULTIPLE TIMES AND THERE IS ALWAYS A PROBLEM MOST RECENTLY I WAS TOLD THAT THEY COULD NOT READ THE IMAGES SENT TO THEM. IVE JUST RECENTLY RECEIVED MAIL FROM EQUIFAX TELLING ME THEY COULD NOT LOCATE MY CREDIT FILE WITH MY IDENTIFICATION I SUBMITTED TO THEM. IF THIS WAS TRUE WHY DID THEY SEND ME A EMAIL STATING THAT THEY A PROCESSING MY DISPUTE BUT THE ONLY THING THEY ARE DOING IS UPDATING A XXXX ACCOUNT WHICH IS NOT MY ACCOUNT I NEVER HAD A XXXX ACCOUNT BUT THEY KEEP UPDATING THIS SAME INFORMATION BUT NOT RELEASING THE INFORMATION ON HOW THIS ACCOUNT IS BEING VALIDATED. EQUIFAX SHOULD NOT BE RESPONSIBLE FOR HANDLING CONSUMER ACCOUNTS BECAUSE THEY ARE UNRELIABLE IRRESPONSIBLE AND REFUSE TO INVESTIGATE DISPUTES ACCURATELY BECAUSE IF THEY DID THIS INFORMATION WOULD HAVE BEEN REMOVED OVER A YEAR AGO BECAUSE IVE NEVER OWNED A XXXX   ACCOUNT AND I NEVER LIVED AT XXXX XXXX XXXX XXXX NY XXXX. HOPEFULLY YOU CAN MEDIATE THIS SITUATION BECAUSE MY NEXT STEP WILL BE SEEKING THE ADVICE OF LEGAL COUNSEL. EQUIFAX IS LITERALLY RUINING MY LIFE BY REPORTING INACCURACIES ON MY CREDIT REPORT.
Consumer complaint received 2018-05-02
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: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX, XXXX amount of {$7700.00}. I have sent XXXX XXXX, XXXX a debt validation they did not respond. XXXX XXXX, XXXX then took me to court and then voluntary dismissed the case. XXXX XXXX, XXXX is also reporting on my credit reports with XXXX, XXXX  and XXXX.
Consumer complaint received 2022-06-16
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. (CT)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP (MI)

My name is XXXX XXXX XXXX and It seems that I have an account which is not familiar to me. I believe I may be a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX. It was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (AZ)

I went through the process of opening an interest checking account with Ally Bank ( online ). Upon completing the application per their instructions I submitted my application # XXXX as well as mom 's # XXXX and was told I would hear from the bank in the next 3-5 days. I received a call from a banking representative XX/XX/2018 informing me that I had to unfreeze my credit with XXXX XXXX to run a credit check for me to be considered for a checking/savings account as per the " Patriot Act ''. I informed the bank that my credit was frozen for identity theft reasons and it would not be unfrozen. My issues are as follows 1 ) My personal and identifying information was given over to Ally Bank in good faith for the bank to maintain a fiduciary duty and that the bank nowhere throught the application process mentioned a credit check was necessary. 2 ) That a refusal to authorize a credit check is not a valid reason to deny someone a checking/savings account. 3 ) A  fiduciary may not lie to its customer citing the " Patriot Act '' as the reason mandating a credit check. 4 ) A second representative ( XXXX ) also lied saying that the disclosure for the credit check was right on the online application which it is not. As a result I am left with providing personal information to a lending institution that did not have the right to deny a customer a checking/savings account for refusing a credit check. Based on the misleading statements about credit checks and what is on their online application as proper identification I do not wish to be an Ally customer but also wish for senior management to protect such personal information from any and all employees to prevent nefarious misuse thereof. I will not be part of an institution that goes outside of the regulations for reasons to deny a customer a checking/savings account. There needs to be upfront declarations for the need of a credit check in the initial stages of their online application process. I will now and forever feel compromised by Ally bank in regards to my personal information and was delt with in a dishonest manner in regards to the regulations as read to me by a representative of the CFPB.
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX XXXXXXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (GA)

Credit collection services placed this account on my credit but this account was already paid off to the original creditor XXXX insurance. XXXX stated that this account would be removed and not to worry. Credit Collection services did not remove the acct but instead updated as paid although I never made a payment to them I paid the original creditor directly. I called XXXX today who stated it should have been removed. They did not have a collection department to transfer me to so I told them id call the collection agency. They were rude and said they dont do removals regardless. I ended the conversation with I will filed a CFPB complaint have a good day. I told them both its either I owed the collection agency or the original creditor. If the debt had been given to the collection agency XXXX should no longer been able to collect on it. Since I was able to pay directly to XXXX that in turn violates law where there is the same debt in two different places and violates my consumer rights. Collection agency needs to delete the account completely because the debt was still with the original creditor who took the monies owed from me the consumer directly in lieu of them stating it had to be paid to the collection agency.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: OPTUM BANK, INC. (CO)

Optum Financial opened an account under my name without my consent. I've tried to get them to close it, but they want all of my personal information, or register on their site in order to close an account I never opened. I told them they just need to close the account because I never opened it. I don't not have the account information because I never opened the account, but they keep emailing me at work regarding my Optum account. 

This is an XXXX account which I have repeatedly told my employer I DON'T WANT. I never agreed or consented to an account with Optum/
Consumer complaint received 2020-07-27
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}
Consumer complaint received 2017-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (CA)

I was on a month to month no contract plan with XXXX, which I maintained for roughly 4 and a half years. I switched to XXXX XXXX in XXXX of XXXX. I have now received a collections notice from XXXX XXXX ( PO BOX XXXX XXXX Mi XXXX phone # XXXX ) on behalf of XXXX. They claim that I owe them multiple months of service fees. I have called XXXX to explain that I never had a contract with them and had always been month to month. As XXXX the first person I as able to reach at XXXX tried to tell me that I signed a " 2 year commitment '' to XXXX. the second person tried to tell me I agreed to a plan I literally had never even heard of before. Let me be clear, I have never signed any commitment of " contract '' with XXXX for anything other than month to month service. XXXX at no point in my use of their service extended any credit to me. if my bill was not payed at the end of the month my service immediately cut off, which is what happens when you are month to month. The Representative lied right to me over the phone. I then asked the representative for XXXX to provide me with a copy of my contract showing my agreeing to this " commitment ''. No copy of contract was provided to me and no answer of any kind was provided as to whether there is any record of a contract between XXXX and I. Their collection agency XXXX services has been calling me everyday since, sometimes 3 or 4 times a day. This is utter and total harassment on a daily basis.
Consumer complaint received 2018-05-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Principal Group, LLC (MN)

For months now, I have been harassed by NP Group ( aka National Principal Group, XXXX XXXX XXXX NP ). They claim that I have an outstanding Payday loan which I do not have. More than a month back, after weeks of them calling me repeatedly throughout the day, I requested they send me proof of this alleged debt as I do not have an outstanding payday loan, which they did not do. Their harassment ceased for a few weeks after, though has resumed today. I returned their phone call and in trying to get the necessary information to file a formal complaint, the representative continued to hang up on me. I attempted several more times and upon one attempt, was being told that I would be transferred to their Consumer Affairs department and then was promptly hung up on again. In calling again to demand that they stop harassing me, their representative told me that he was " Not going to argue '' and that I should " Expect calls to continue '', and then proceeded once more to hang up on me. 

Today, I have filed complaints with the FTC and the XXXX. If the harassment continues, I will seek legal action. I will not be bullied into paying a false debt, nor will I tolerate being harassed by a company that refuses to offer any necessary information to prove their credibility. 

I can not attach any documents because the company has failed to provide me with any documentation on this alleged debt.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

i recently received my credit report and it indicated that my account with XXXX was deliquent, i have never been deliquent and it stated the date of XXXX XXXX and the balance XXXX. I have a car i am financing with but that is the incorrect amount and i have never been late with the company. I contacted XXXX and they do not show that amount or me ever being late.
Consumer complaint received 2021-11-07
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)

I sent a request to XXXX, TRANSUNION on XX/XX/2021 for Validation of the following collections account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and received a response with no proof that the debt which is a clear violation and against the law. They are reporting inaccurate information. Delete following account immediately for violating my FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) :
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-02-17
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. (WA)

To Whom it may concern, RE : XXXX XXXX Pursuant to XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) " the term consumer report does not include '' " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account you are in violation of the law. 


remove the Account : XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. Mental Anguish XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]