davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CT)

I was charged {$180.00} in late fees by Fortiva they never put these charges on my statement it wasnt until I called and asked they told me I told them I wanted it all removed and they took off one {$40.00} fee they said they would escalate the call and no one has gotten back to me It was an interest free furniture purchase which I thought I had a year before I even started paying it off
Consumer complaint received 2018-10-07
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: EQUIFAX, INC. (GA)

I have two inaccurate XXXX accounts on my credit report that are destroying my credit score. Both of those accounts are not mine and should be deleted immediately from my report. 

I have sent multiple letters to all three credit bureaus and they refuse to delete both of those accounts.
Consumer complaint received 2018-10-09
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: PENTAGON FEDERAL CREDIT UNION (TX)

I Received my credit report showing a inquiry from Pentagon Fcu from XX/XX/18 that I applied for an credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal law.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I called to make a payment on my Bank of America credit card. I was several days late with this payment, {$110.00}, which was due XX/XX/XXXX. I attempted to pay more than the amount due on XX/XX/XXXX, {$120.00}, but Bank of Americas automated system said that I owed the full amount due XX/XX/XXXX AND the full amount due next month on XX/XX/XXXX : {$290.00}. I can only pay {$120.00} at this time. 

Instead of allowing me to pay {$120.00} more than the amount due now - Bank of America transferred me to their customer service operator. No one picked up my call after 20 minutes. I tried calling back. I was transferred to their customer service line again and put on hold for 30 minutes. After no one came on the line, I hung up and tried to access my online account. 

This is where things became more disturbing : My checking account information had been deleted from my credit card account (?! ). I re-entered my checking account information so I could make a credit card payment but received a message that Bank of America requires verification of two deposits into my checking account before they'll allow me to make a payment from my checking account. 

This is fraud. I owe what was due XXXX XXXX. Playing deceitful games on their phone customer service line and on my online account doesn't help either me or Bank of America. I can't pay them what I owe, and Bank of America doesn't get the money that they're willing to commit fraud to receive.
Consumer complaint received 2022-02-03
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: PLANET HOME LENDING, LLC (NJ)

Last year mortgage company Planet Home Lending put a mark on my credit, stating that my mortgage payments were delinquent. Ive contacted them PLENTY of times over the last year to correct this. Ive submitted proof of a wire transfer that wasnt marked until months later. The company assumes responsibility but will not, will not correct it with the credit bureau. Weve escalated the issue is all I hear from them. Im in the process of refinancing my home and I can not do so because there is a mark on my credit report that was not my fault. In the interim, not only is planet home lending failing to update my credit with the Credit bureau, but they refused to write a detailed letter. For the last few months I have specifically requested an email and hardcopy letter stating that it was their fault that my account was delinquent for the specific months. Ive been getting the run around. On XXXX of XXXX I submitted a complaint with consumer finance and that was answered rather quickly, what is the issue with responding to a corrected letter to fix my credit?
Consumer complaint received 2018-10-09
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. (CA)

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-09
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. (CA)

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2022, I applied for an increase of credit limit with Capital One, for my Saks First Credit Card. On XX/XX/2022, my request was denied.
Consumer complaint received 2019-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Siggi LLC (VA)

Since XXXX of 2019, we have been struggling to deal with Omni Financial. My husband is XXXX XXXX military and after learning about the Service Members Civil Relief act and the Military Lending act, we realized that our experience with them has been unlawful. Unfortunately, we were taken victim by them several times. Seven in fact, because we simply couldn't pay our bills. Our interest rate has always been at 36 % with them. Which should have obviously sent a red flag from the start. Not only because 36 % is astronomical, but because it is the exact limit that they can charge my husband. Each time we applied, they told us that we had to set up direct deposit from my husband 's check. At the time, I didn't realize that was a violation under the MLA. I have tried several times to contact them regarding my concerns, however it's obvious that I'm being blatantly ignored. The last request was ignored for an entire month until I had time to sit down and call several times in a day. Still I was told that I would receive a response, and nothing. This morning she actually got back to me and tried using the term " obligation '' as a loophole in the law. She explained that there were no goods or services involved in our loan, so therefor, she didn't have to entertain my request. In addition to all of this, my husband 's home of record is Ohio. Ohio is a key provision state that protects debt acquired during XXXX XXXX as well as prior to XXXX XXXX.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2019-08-27
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)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 4 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC (MA)

Ability Recovery is a debt collection agency reporting illegally to the bureaus under their own name which is illegal on a MA Consumer credit report. MA state law says that an account may only be reported by the original creditor ( law below for your records ). They have been informed of their illegal activity via certified mail three times. They have failed to reply to take action for removal. 
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written  authorization from the creditor, report to a consumer reporting agency in the creditors name.
Consumer complaint received 2018-10-09
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. (GA)

XXXX XXXX XXXX XXXX ( write-off, XXXX XXXX XXXX XXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that XXXX verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX ( write-off, XXXX  XXXX XXXX XXXXXXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that e-oscar verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...
Consumer complaint received 2021-12-04
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: Resurgent Capital Services L.P. (AL)

I have reached out to this company XXXX times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once. 

I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC XXXX. 

Payment history is reporting and it should be blank filled. Account status reporting as closed with XXXX and open with XXXX. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations. 

LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX XXXX XXXX Account # Account Type Open Open Type Detail FactoringCompanyAccount CollectionServices FactoringCompanyAccount Finance Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment
Consumer complaint received 2018-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I Received my credit report showing a inquiry from XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE BEEN IN FEDERAL XXXX FOR OVER 7 YEARS, DURING THE COURSE OF MY XXXX TERM, SOMEONE HAS BEEN USING MY IDENTITY AND PERSONAL INFORMATION TO OBTAIN GOODS AND SERVICES USING MY PERSONAL INFORMATION. THERE ARE MANY FRAUDULENT ACCOUNTS THAT ARE CURRENTLY REPORTING ON MY CREDIT REPORT, I HAVE DISPUTED THEM MANY TIMES AND THE CREDIT BURURES KEEPS REPORTING IT BACK TO ME AS AN ACCURTE AND VERIFIED, THE QUESTION IS HOW ON GODS GREEN EARTH IS IT VERIFIED WHEN AT THE TIME THE ACCOUNTS WERE OPENED I WAS CURRENTLY SERVING A XXXX MONTH XXXX XXXX ... I KEEP ASKING FOR PROOF OF THE DOCUMENTS AND I STILL HAVE NOT RECIVED ANYTHING TILL THIS DAY! ..ALL THESE FRAUDLENT ACCOUNTS ARE LINKED TO FRAUDULENT ADDRESS, FRAUDLENT PHONE NUMBERS, FRAUDLENT EMAIL ADDRESS ETC ETC, NONE OF THERE INFORMATION MATCHES MY INFORMATION EXCEPT MY SS # AND MY D.O.B, I WOULD LOVE TO HAVE THE OPPORTUNITY TO HAVE A FRESH START IN LIFE AND PUT ALL THESE PROBLEMS AND ISSUIES BEHIND ME. 
PLEASE HELP ME RESOLVE THIS ISSIUE. 
THANK YOU. 
XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-08-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (GA)

On XX/XX/2019 I send a Letter to Santander Bank requesting all accounts associated with my social security number XXXX be closed and all monies be send to my current address. I enclosed a mortgage statement as proof of address. 
I am dissappointd because the Santander Bank refuse to close my account. I was told to go to a local branch. There are no branches where I am currently residing. 
I am XXXX years old and feel like I am experiencing elder abuse ; because the Santander Bank has denied me access to my account via ATM cards ; but has it open so they can benefit from direct deposits into my account.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I have sent numerous request via U.S. Mail requesting for XXXX and Experian to permanently delete and remove all fraud alerts, Extended Fraud Alerts and File Blocked For Promotional Purposes. The fraud alerts are still showing on my Experian and XXXX credit report. I want the fraud alerts deleted and removed from my XXXX and Experian credit report.
Consumer complaint received 2018-10-09
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. (FL)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months. XXXX and XXXX have deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Consumer complaint received 2021-12-21
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: PENTAGON FEDERAL CREDIT UNION (AZ)

PenFed loan was opened in my name. It has been active for roughly XXXX months. I only noticed there was a fraud loan in my name after I saw my XXXX XXXX drop XXXX points in one day. I have reached out to PenFed and am getting minimal responses back over the last XXXX months. 


I have filed a police report, contacted the credit bureaus and PenFed in this matter.