davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XX/XX/2021, XXXX alert that XXXX received an attempted ( Attempted Bank/Credit card inquiry ) inquiry about my credit score from CAP ONE NA ( assuming capital one bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This inquiry was blocked by my, self imposed, credit lock ( XXXX Credit lock ). I called Capital One and they denied any inquiry was made about me. 
XX/XX/2021, second XXXX  alert that showed an XXXX inquiry was made from same bank above and CAPITAL ONE BANK USA NA got a copy of my XXXX credit report CAPITAL ONE BANK USA NA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I again called Capital one bank and they again assured me they made no such inquiry and was instructed to call XXXX. 
I called XXXX and they confirmed the inquiry from Capital One Bank and i was then instructed to file a fraud report to the FTC and was redirected to this filing internet page. 
In order to remove the fraudulent/inadvertent inquiry I was instructed to send copy of this report back to XXXX.
Consumer complaint received 2018-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I purchased a new XXXX  XXXX at XXXX XXXX XXXX on XXXX XXXX, 2018, they sold the car to me at 4.59 % interest rate with my tier one credit. I was never offered the 0 % that they had at the time. 
What I was offered was 1 ) Don't take the rebate of {$1500.00} and get 2.99 %. 
2 ) Take the rebate and pay 4.59 %. 
3 ) 0 % was never offered to me. 

Total price - {$24000.00} less {$10.00} ( cash down ) = Loan amount {$14000.00} at 4.59 % Date of Purchase - XX/XX/2018 Tier one credit - Score XXXX
Consumer complaint received 2018-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

On and about the month in XXXX, 2018, I noticed there was an unauthorized withdrawal made of {$1500.00} dollars from my checking account. I immediately visited a branch of Citibank and froze this account to prevent additional fund withdrawal and transferred my remaining funds into a new account to protect against this happening again. Several weeks later an internal investigation was initiated by me because the question of why this happened in the first place was not answered regarding this unauthorized withdrawal in XX/XX/XXXX. Instead, they identified that the arm of their management investment Co. associated with Citibank had withdrawn the funds and that this investigation was closed, without an explanation of why years later, about 11 years later, they are withdrawing money from my checking account that had nothing to do with investments I had opened and closed years earlier around XX/XX/XXXX/XX/XX/XXXX during those year 's recession period. A new investigation with a new investigation reference number was opened about two months ago and to date I have not gotten my money back, nor a reasonable, legal explanation from their own management investment arm that I had opened and then closed around XX/XX/XXXX/XX/XX/XXXX because of the recession. I closed these accounts back then and I believe they were ROTH and a stocks investments amounts.
Consumer complaint received 2023-04-07
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2018-12-05
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: Bayside Capital Services, LLC (TX)

This company has threatened legal action. This company took money from my bank account UNAUTHORIZED, meaning they STOLE from me! The " VP of Operations, '' XXXX XXXX. I was bullied into making a few payments, then when I did not pay XXXX XXXX threatened legal action. He told me I was wrong for the things his employees told me. XXXX XXXX would go back and forth with me about making a settlement. When I wouldn't pay he would yell at me saying " I'm cancelling all your payments and you don't get a settlement! '' Very immature to say the least. After speaking to him the last time I realized I never received anything stating my debt, stupid on my part. XXXX XXXX threatened me with legal action. XXXX XXXX took money from my bank account UNAUTHORIZED. He STOLE money from me. This company has broken the FDPCA NUMEROUS times and I will not stand for it.
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (DE)

The response to my first complaint was that someone was going to reach out to me. After I sent XXXX emails to XXXX XXXX they said they would ask someone to call me. I found out that XXXX XXXX reached out to the people I was already working with to rectify the loan. They were not helpful. My current interest rate with NewRez for the refinance is expiring and rates are increasing. Since my first complaint XXXX more tasks were added to my task list. My tasks were done XXXX weeks ago.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2018-10-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I tried to open a savings account with Discover Bank over the phone and they asked for pictures of my drivers license. On XX/XX/XXXX I called back and they asked for more documents. They refused to open the account, accused me of fraud and impersonating myself and then cancelled my application because I'm XXXX  and they didn't think my voice matched my XXXX XXXX, which is reflected on my drivers license as female.
Consumer complaint received 2018-10-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advanced Call Center Technologies, LLC (IL)

A letter was sent from ADVANCED CALL CENTER TECHNOLOGIES LLC about a XXXX credit card by XXXX XXXX. 

This company, XXXX credit card XXXX XXXX  changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party
Consumer complaint received 2023-04-07
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (NY)

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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I sent company a dispute for Inaccurate reporting that was on my EXPERIAN consumer report, as well as unauthorized inquiries. 

A dispute was mailed out to the company certified mail and return sender, I have attached valid copy of Passport, Social, and utility bill with my current ant only address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiry on my credit report The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is now my second attempt trying to resolve this issue with EXPERIAN.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report. 

I am demanding for the following accounts to be verified and updated by credit agency. All late payments be removed. 

I am demanding all inquires to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-14
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. (AZ)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I mailed out a dispute on XX/XX/2018 via certified mail to LexisNexis disputing a bankruptcy that LexisNexis is reporting. I received a letter back from LexisNexis dated XX/XX/2018 stating that they verified the bankruptcy and that it was reporting accurately on my LexisNexis report. I then mailed out a second certified letter to LexisNexis on XX/XX/2018 requesting the method of verification that was used in order to verify the bankruptcy from the letter I received back from LexisNexis on XX/XX/2018. I then received a reply from LexisNexis dated XX/XX/2018 stating that LexisNexis is unable to determine exactly what I am disputing. So now LexisNexis has failed to address my dispute in my second certified letter sent on XX/XX/2018. According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) this record must be removed. LexisNexis clearly understood my initial dispute but once they received my second letter requesting their Method of Verification, then they " are unable to determine '' what is being disputed. Either LexisNexis follows the law or, the item is to be deleted from the report because " It is a common maxim that 'ignorance of the law will not excuse any person, either civilly or criminally.? XXXX v. United States, 7 Pet. 404, 411.
Consumer complaint received 2018-10-14
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. (NC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX
Consumer complaint received 2018-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I opened a secure credit card with Capital One credit 6 months ago. This required a security deposit of {$200.00}, which was fine. I was under the impression that at some point my credit score would improve and I'd qualify for a regular unsecured card and I would receive my deposit back. 

Upon calling Capital One to find out when I will get my deposit back, I was informed I would have to close my account to get my deposit back. This is an unfair practice as the closing of this account would negatively affect my credit score. So essencially I have to leave my deposit with them indefinately or close the account and suffer the consequences of a negative score.
Consumer complaint received 2018-10-14
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I have on multiple occasions, filed a dispute with ChexSystems for XXXX ID XXXX due to identity theft. I disputed {$61000.00} reported by XXXX XXXX XXXX from XX/XX/XXXX, {$720.00} reported by XXXX XXXX from XX/XX/XXXX and {$290.00} reported by XXXX XXXX and XXXX on XX/XX/XXXX. These XXXX accounts were fraudulenty opened in my name and without my permission. in the case of the XXXX XXXX and XXXX, the account was opened in a name similar to mine, but with a different social security number and reports an address I have never lived at - XXXX XXXX XXXX XXXX, XXXX, TN XXXX. In support of this dispute, I submitted the FTC Identity Theft Report I filed, which clearly proves I am the victim of identity theft with regards to these three accounts. ChexSystems refuses to block and/or remove that information pursuant to the FCRA.
Consumer complaint received 2018-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

I have made many attempts to remove debt collection company JH Portfolio from my XXXX, XXXX XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of { {$730.00} } and { {$1900.00} } for several months. I have messaged JH Portfolio several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay JH Portfolio or the original creditor. I requested a photo copy of my id and a wet ink scanned signature. I have requested JH Portfolio to provide a copy of certified letter and receipt that they claim that was sent to me. This company has not provided any of this after several request. This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of { {$730.00} } and { {$1900.00} } came to be. It appears to a be a fake credit card statement and a fraudulent debt generated by JH Portfolio. I have never agreed to this debt, i never signed any contract or agreement to pay this debt with JH Portfolio or any original creditor. Methods being used by JH Portfolio to validate this debt as accurate are inaccurate, this debt can not be validated!
Consumer complaint received 2021-09-16
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. (PA)

Hello, my name is, XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 



1. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$6500.00} 2. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$3800.00} 3. XXXX XXXX - ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$1400.00} 4. XXXX XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance {$2700.00} Unauthorized Inquiries : 1. XXXX XXXX Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Last year I discovered a false account with XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX and XXXX XXXX  denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX and XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.