davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/2018 Trash creditor with usurious lending practices. Swiftly and orderly remove junk fee of {$39.00} that you're not charging new customers to same card for. Unfairly charging me for credit card add-on benefits I did not receive. 

Spoke to Capital One on XX/XX/2018 to no avail. Drone like echoed Terms & Conditions while acknowledging fee is no longer charged for same card. Contradicted self after stating that during times they run a promotion for no " membership fee '' then they'll waive fee for current customers. Do not drag feet on this. 

XXXX XXXX
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-02-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (PA)

An initial complaint was sent to CFPB ( # XXXX ) regarding TD Auto Finance not correcting the address on my vehicles title ( so that I can update my car registration ) but still has been receiving payment monthly towards the car note. I have been having this issue for 4 months now and have been back and forth with TD AUTO, the XXXX, and CFPB. There are numerous amounts of complaints surround the same issue and what looks like a common problem at TD AUTO. 

( https : XXXX ). 

I received a fax of my cars initial title ( dated XX/XX/2017 ), but was advised by PA DMV that the copy is not enough. TD Auto finance stated that they sent the original to a local DMV in XXXX, but I was also advised that local DMV 's can not complete the transaction & that the title needs to be forwarded to XXXX . 

Several call have been made to TD Auto and the customer experience advocate ( XXXX XXXX ) to provide this information and to check on the status of my request ; but no success & recently all my calls have been going unanswered.
Consumer complaint received 2021-11-17
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: CITIBANK, N.A. (WI)

XX/XX/XXXX XXXX XXXX salesman XXXX came to our house and we signed a contract for windows and doors. Install would be in 12-16 weeks. 
CITI CC was billed as XX/XX/21 I filed a dispute with Citi card on XXXX- services never received On XX/XX/XXXX I sent a detailed outline of everything that had occured up until that point. 

We have yet to hear back from CITI or get any updates. As of today we still have no windows, no date of install, and no response from the production manager I was working with.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I have been trying to place a security freeze on credit reporting with Equifax for months. Their site online at https : //my.equifax.com will not let me sign in due to technical difficulties. I have approached Equifax about this problem through their recommended support channel ( their phone number XXXX ), but they are unhelpful. Each time they tell me that it's a temporary technical problem. Temporary technical problems don't last for months, but I guess I shouldn't be surprised since they were so effortlessly breached in 2017. I have contacted Equifax on XXXX via their handle @ AskEquifax, but I didn't receive help through this channel either. 

The way all of this works is incredibly messed up. I never agreed to be tracked by these para-governmental credit reporting agencies. Furthermore, when I wish to place a freeze on my information, I can not get help with doing so.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I had a prior account with XXXX XXXX the was opened in XXXX. The account was paid in full upon the vehicle being traded in during XX/XX/XXXX. Since XXXX, the account has continued to report to my credit profile as 60-90 days past  due. I reported this inaccuracy to all three bureaus numerous times from XX/XX/XXXX-XX/XX/XXXX. All three bureaus removed the account for a lack of validation at various times ranging from XX/XX/XXXX-XX/XX/XXXX. This account continues to repopulate as a past due account as recently as XX/XX/XXXX, reported to XXXX. Legally, this account can not repopulate onto my reports after being deleted if it has not been resold or if I have not been notified. Neither of those scenarios have happened and I have continuously asked XXXX and Experian to reinvestigate the inaccuracies to no avail. I have reported them as recent as XX/XX/XXXX.
Consumer complaint received 2021-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TN)

1.I have never had an account with this company REGIONAL ACCEPTANCE CORP , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONAL ACCEPTANCE CORP the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-02-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (WI)

I have a debt on my XXXX XXXX the original creditor is XXXX XXXX XXXX Now its Oac from XX/XX/2017 the amount is {$280.00} its 2 years and 4 months old
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-02-15
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: BlueChip Financial (TX)

To whom this may concern, The following companies currently, or at a point in time were either, opened accounts, accounts that were inquired about, or either locked accounts with too many failed log in attempts. Over the course of the years I have tried everything to get my identity theft issue resolved. I have set up security locks with all 3 credit bureaus, hired a credit repair agent to remove fraudulently opened accounts, reached out to each creditor directly to provide supporting documentation in regards to proving my identity. Majority of the fraudulent accounts were completely removed except for Spotloan, which is now showing a balance of {$830.00} on all credit bureaus, XXXX XXXX, XXXX XXXX, and XXXX which are charge offs now. I will be filing a police report, and reporting to the Fair Trade Commissions website. I will provide a list of the following companies involved ; XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am submitting a formal complaint because I have " Hard Inquiries '' on my credit report regarding a credit card which I did not apply for, and I can not seem to get anything settled with the company on my own. I came across an inaccuracy on my credit report and as advised I submitted a dispute via XXXX XXXX. Upon receiving word back from XXXX XXXX they stated that " XXXX XXXX XXXX XXXX/XXXX '' are claiming the information they reported to be accurate. I then contacted the creditor through telephone.. they claim that they do not have any accounts open in my name, closed in my name, and they can not find any credit application within their systems. They claim that they do not have my name or social security number in their files, but they sure did make a negative impact on my credit scores. I do not know exactly how it happened, but I do know that I never authorized or gave any sort of consent to the creditor ( s ) " XXXX XXXX XXXX XXXX/XXXX  ''.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (KY)

A lender brought it to my attention that this company has me attached to two socials or more than one social. They did not specify. They did say that this is common with identity theft and that files are known to merge when someone is using your info. I am a victim of identity theft and first became aware XXXX of 2017.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

Never lived in address XXXX XXXX XXXX in XXXX XXXX CT ID # XXXX and ID # XXXX. 
last four of my social security is not XXXX. 
Never hold a name of XXXX
Consumer complaint received 2020-02-15
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. (NC)

On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX and Equifax had reported the loan as closed and paid in full. XXXX had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.
Consumer complaint received 2020-02-15
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. (OH)

Transunion is deliberately posting inaccurate and incomplete information on my consumer report I will attach both of my disputes along with their response. There are inquires and collection accounts on my consumer report that do not belong to me I asked transunion to provide me with there verification methods for my records to show the procedures used to determine the accuracy of the information reported on my consumer report and transunion disregarded my request. I sent over my drivers license a paystub and also my full social security card to show proof of identity and the negative remarks remain on my consumer report. As we all know it is transunions job to report 100 % accurate information on consumers credit report and they have my wrong address along with mispelling of my name I demand deletion of the negative collections and unauthorized inquires on my consumer report and the correction of a late payment that is on my consumer report immediately.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (AL)

I am credit card ending XXXX XXXX customer from XX/XX/XXXX. From XX/XX/XXXX three 'security ' incidents has happened with XXXX alleging or producing wrong security checks. Along with again forced call of XX/XX/XXXX to person presenting his/her name as 'XXXX ' of their 'fraud ' department the credit card having {$18000.00} credit limit and balance {$26.00} has been cancelled! I have nothing changed on personal info. XXXX sending codes to my phone number XXXX XXXX XXXX XXXX doesn't work long time. XXXX has not accepted my XXXX phone number. I am XXXX  XXXX  and work currently in XXXX. I need the card with the same or increased limit to mail to XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX and STOP this harassment. I reach XXXX in XX/XX/XXXX.
Consumer complaint received 2020-02-15
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. (PA)

I have submitted 3 sets of letters to all three credit bureaus. I asked them to remove unverified items on my report, items that were reporting false information and accounts that have been closed for years but still reporting an increase in balance or late payments. XXXX  and XXXX  deleted all those accounts they were not able to verify. Equifax sends their response saying that they verified those accounts. I asked them to show me proof of the verifications but they refuse. They refuse to remove all false items on my credit report which is hurting me. I started sending the letters in XXXX of XXXX, I have sent multiple letters since then and even in XX/XX/XXXX with no results. Equifax is showing {$2700.00} of collections on my report while I have {$0.00} with XXXX  and XXXX.
Consumer complaint received 2020-02-15
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. (MI)

I was denied application for credit with XXXX XXXX XXXX and received a denial letter on XX/XX/2020.On XX/XX/2020.I received another denial letter dated XX/XX/2020.I NEVER reapplied for credit or asked to be reconsidered.I don't care what XXXX will say but I NEVER asked to be reconsidered.They did this without my consent and violated the FAIR CREDIT REPORTING ACT.I don't know why they would do this
Consumer complaint received 2022-12-15
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: LEXISNEXIS (NJ)

I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the US District Court in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions XXXX of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given LExis Nexis or any of their business affiliated permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

We were notified that an XXXX XXXX credit card in wife 's name only was delivered by USPS to a former address. We did not apply for the card, however, our credit monitoring service recorded a hard credit inquiry from HSBC on XX/XX/XXXX. We have 7 year extended fraud alerts posted with all credit bureaus that don't expire until XX/XX/XXXX. Apparently HSBC Bank opened an unauthorized credit account or approved an application for credit without contacting us per the fraud alert statement. We contacted HSBC via the number on the back of the credit card and determined the account had a XXXX balance, advised them it was issued fraudulently, and requested they close it immediately, which they claim they did. We are unable to determine whether the account was initiated by HSBC themselves or by an identity thief ... they would not supply applicant information. Our main issue is that they opened the account without contacting us despite our long standing fraud alert statement with the credit bureaus ( we have maintained extended fraud alerts with all 3 credit bureaus for over 18 years ). And, by the way, HSBC customer service is horrible ... apparently utilizing foreign call service centers and workers with extremely poor English language skills.
Consumer complaint received 2020-02-15
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: PENTAGON FEDERAL CREDIT UNION (MI)

I was denied application for credit with PENFED credit union and received a denial letter on XX/XX/2020.On XX/XX/2020.I received another denial letter dated XX/XX/2020.I NEVER reapplied for credit or asked to be reconsidered.I don't care what PENFED will say but I NEVER asked to be reconsidered.They did this without my consent and violated the FAIR CREDIT REPORTING ACT.I don't know why they would do this
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I owe this Ulta Comenity bank {$6.00}, 3 months ago. I missed to pay or overlooked since It was just a small amount. 3 months later it becomes {$60.00}, I made a phone call and paid on the phone and to close my account, the lady on the Comenity said I might still receive a charge from the mail as the last closing cycle. I said thats why I called to make sure I can pay the fulll amount without getting anymore charges. It took down my credit scores by so many points. Now this kind of XXXX is like abuse to consumers. This XXXX  people in so many ways.