davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I sent a Security Capital One to discharge my payment pursuant UCC 3-603 and UCC 3-604 , they immediately acknowledged they received my security for payment, but instead of crediting my account, they closed my account which is an adverse action pursuant 15 USC 1691 ( d ) i was unable to pay my monthly obligations without my charge card which negatively impaired my consumer report.
Consumer complaint received 2019-01-29
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. (CO)

When I pull my credit report under Equifax with my SSN it comes up with another persons name and accounts. I am unable to file a complaint with Equifax because the report confirmation # under my SSN shows a different name so it does not match their file/database. There are several accts with balances that are definitely not mine : XXXX XXXX XXXX XXXX - {$20000.00} - acct ending XXXX XXXX XXXX XXXX XXXX ( XXXX ) - {$180000.00} - acct ending XXXX XXXX - {$8600.00} - acct ending XXXX This is the first action I have taken due to I don't know how to get it disputed. this is only happening on the Equifax acct, the XXXX XXXX and XXXX   do not have this error.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (IN)

I have a prepaid card through my employer called XXXX XXXX XXXX XXXX. My card was hacked into. Im not certain, however it could have been hacked into on my companys secure site. I contacted the cards company using the number on the back of the card to investigate, cancel and reissue a card. I am now frozen out of the cards site to look at charges in order to dispute them. The customer service rep for the company said that he would send me copies of my statements. He did not. Nor was a card reissued. He sent me dispute paperwork from a company heading called XXXX with a P.O. Box, no physical address. No email. I have been trying to contact the company by phone and now I am put into a sinkhole hold position for hours. Never to speak to a human. My concern is this companies involvement in the hacking process, my personal security, as well as my companies security. I started investigating this company and found many many complaints of the same nature as my own.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and XXXX  over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and XXXX  reached an all time high and I became XXXX XXXX XXXX XXXX XXXX as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an XXXX  report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
The following addresses are not accurate please delete them : XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX   XXXX, OH XXXX
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America willfully and criminally decided to break the law by offering a credit card with a promotional APR of 2.99 % and then refusing to honor that rate immediately after issuance, under the criminal coercive strategy that If I dispute the interest as an individual my creditworthiness would be impacted. To add insult to injury, the telephone banker corruptly seemed to offer to rectify the situation with a different department when she was just attempting to coercively sell me more products to fix the error that Bank of America willfully created. 

This incident, coupled with the bankers later misconduct, is a textbook case of violating UDAAP and the Card Act of 2009. If Bank of America does not remit all erroneous interest charges and correct, I will sue Bank of America in federal court.
Consumer complaint received 2023-08-09
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. (GA)

So I sent a letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with a third-party Entity. Clearly, this is a violation of my federally protected rights.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX 1 LATE PAYMENT Credit usage 6 % Balance {$18.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card The information on this card is completely incorrect that it should be a XXXX balance and no late fee I mean every attempt to contact the credit bureau as well as the credit card company for XXXX XXXX as well as capital 1 no 1 seems to want to help me we are in the covid 19 cares at legally they are not able to file missing information on my credit report I also believe I was a part of data breach for the XXXX as some information has been mixed up and given to other people please help me fix this situation
Consumer complaint received 2022-08-28
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. (FL)

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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-08-28
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. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-04-13
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: Experian Information Solutions Inc. (UT)

XXXX and XXXXXX/XX/XXXX pulled my credit twice without my authorization. 
my attempts to contact them to have the hard pulls taken off have failed. 
i now have some of my personal information stolen on the dark web. 
i dont know if it was because of them or something else. 
but the credit pulls, i want taken off. i did not authorize that. 
the phone numbers listed for XXXX and XXXX XX/XX/XXXXon Experian are XXXX and XXXX. 
i did a scan with XXXX XXXX from XXXX and XXXX and found out my personal info has been stolen. i also called XX/XX/XXXX about this and they sent me to XXXX which i didnt know is in XXXX, because of the language barrier and understanding, they werent able to help me to find out who stole my information. I use XXXX, XXXX, XXXX, XXXX, and my place of employment got ransomware attacked, so i have no idea where the theft occured and what to do. no one can help. this all didnt start until XXXX and XX/XX/XXXX XX/XX/XXXX pulled my credit without me authorizing it. I have received 2 robocalls since then threatening my arrest and for me to leave work immediately.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

It takes XXXX calendar days to post a payment and I had to contact them multiple times about the issue. Their resolution is to put you on an extensive conference call with your financial institution to resolve the issue. I know of no other financial institution or creditor that wont release the credit limit for XXXX days. They need to follow industry standards with posting times and dates. Per other online reviews, Im not the only one who has experienced and continues to experience this issue.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have reached out to Equifax about this issue multiple times and has not yet to be resolve. My social security number is attached and link to someone else 's Equifax report with the same first, last name, and different date of birth also middle initial. The report is not mine. What is reported on the account is not mine. Which is inaccurate. I have no relations with this individual and is not a my relative. My original Equifax, XXXX, and XXXX is not reporting the information that is on the other person 's report. Please help me get this issue resolved.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

i notice there is a lot of inquiry that i didn't authorization. and other company my credit without permission and lowering my credit limit. only inquiry i approved is the ones that associated with my open accounts. it's impacting my credit and my life.
Consumer complaint received 2019-01-22
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. (NC)

I have been going back and forth with the credit reporting agencies about numerous remarks on my credit report that I do not recognize since XX/XX/2018. I provided them with a police report stating my identity was stolen and the affected accounts and they are still appearing on my credit report. Per FCRA guidelines, the following accounts should have been removed XXXX, XXXX XXXX , XXXX XXXX XXXX and Creditors Collection.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

XXXX was until just recently my mortgage loan servicer and I was having servicing issues with them as they were not treating me fairly with my requests for mortgage assistance. Not only were they not providing me with retention options, but now they have sent my loan to another servicer : Shellpoint Mortgage. I can only assume they did this to get rid of a problem loan. My family had some financial challenges when I suffered a reduction in hours at my job. We hung on the best we could to keep up with our mortgage payments, but ultimately fell behind. They provided me a modification to keep us in our home, but it was not affordable. Subsequently, I fell behind on my mortgage again while struggling to keep up with all of my financial obligations. We have rectified our financial situation and I am making more money than ever. Also, my job is now very secure and is providing me with plenty of overtime that will continue for years to come. However, when I tried to convey this to XXXX, they just insisted that there is nothing they can do. I see that the US Government fined XXXX XXXX XXXX for the way they serviced requests for assistance by homeowners, yet they still continue performing the same way as they did before. I believe the US Government also gave XXXX a consent order detailing exactly how they must treat requests for assistance, but I believe they have failed on my loan. XXXX was not being fair regarding my request for assistance. 

I am hoping Shellpoint Mortgage doesn't treat us the same way, and my family could really use some assistance to save our home. We are now in foreclosure and are afraid that we will lose our home. Please help us fix this.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BBVA FINANCIAL CORPORATION (OH)

On XX/XX/19 I mailed a request, of the disclosure of the nature of the information used to turn down my request for a credit card from BBVA Compass. I have yet to receive a written response as of XX/XX/19.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

On XX/XX/2018 I used my bank 's bill pay to pay my electric bill for {$260.00} and accidentally put the amount on the wrong line. I got a late charge from my electric company. It went instead to my Citi Sears credit card. I had a XXXX  balance due on this card and it is a closed account. I have been trying for months to get them to return my XXXX balance. i keep contacting them ( 6 or 7 times ) and they keep telling me the check is being sent to me but it never arrives. I check my mail every day and am so frustrated, I really need the money. I don't know what else to do. the card number is XXXX XXXX XXXX XXXX. the name on the card is XXXX XXXX XXXX. Pleas help
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/XXXX I received a Letter from Midland Credit Management Via XXXX stating I have a balance of XXXX. MCM stated they are considering forwarding this account to an attorney in my state for possible litigation. If they do not hear from me MCM may proceed with forwarding to an attorney. The letter head date says 9/3/2014, with a supposed deadline of XX/XX/XXXX. I receive restricted harassing phones calls through out the day every day after XXXX, I Believe its Midland Credit Management .
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (SC)

I ordered chime debit card, added monies, called chime to cancel and refund my {$50.00}. Provided all my info, cant access account because I changed phone numbers and moved and dont remember password and they want to send to old phone ( which I dont have ), they are XXXX. Ive provided my card number but since I couldnt remember my last XXXX. Transaction, they denied giving $ $ back!
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Last XX/XX/XXXX, I deposited a check in the amount of {$5000.00}. The ATM machine did not inform me of any hold unlike before where it will tell me when will the funds will be made available. In this case, on the next business day, the funds are not available and i called customer service and I was told there will be a hold of 7 business days. As of this writing, the funds are still not available. 
It is my impression with the new laws allowing for faster electronic transactions, funds will be made readily available as soon as funds were verified, UNLIKE before. How come my funds were still withheld this long? It is XX/XX/XXXX and still funds are not available. I tried and talked to them more than EIGHT times in this situation and still no resolution. I was even put on hold and they INTENTIONALLY cut me off thrice. CHECK THEIR PHONE RECORD CONVERSATIONS ( if they do have it ). Please help