davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NC)

In XXXX of 2022 I was approached by an acquaintance stating that his neice could get me approved for a loan, but I would have to pay XXXX to ensure that the loan was approved. The funds were paid and unbeknownst to me I couldve gotten approved for the loan without paying anything. I reached out to OneMain Financial to bring this to their attention and was told they did not have anyone by that name working in their offices, but upon further review on their end, there is an associate in their office promoting loan approvals and stating you would have to pay.
Consumer complaint received 2022-02-24
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. (SC)

The credit bureaus are still reporting that I owe XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX. The information they have about where they sent the loan isnt even mine. So I would ask to remove XXXX XXXX XXXX XXXX from my credit report. My father has the same name as me and we have lived at the same address at times. So not sure if this is his or not. I shouldnt have to suffer bad credit for something that doesnt even belong to me.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I have attempted to reach out to Midland Credit Management multiple times at the phone number listed on their listings on my credit reports. I have not been able to reach anyone due to being told that the department who is handling the accounts are busy. I have been attempting to advise them that I am a victim of Identity Theft/Fraud and to notify them to remove their listings on my credit reports fro XXXX, XXXX, and XXXX. Due to not being able to reach anyone by phone. I did send documentation to their Compliance department via email and they are still reporting to my credit reports. I have removed the fraud alerts from my reports that were previously listed as they prevented me from accessing my own credit file which made it difficult to catch fraud as I had no access to my credit file and do not authorize any alerts being added but only listings to my credit file being removed by Midland Credit Management and providing proof that they have processed removal request via Eoscar and written letter on letter head uploaded to the CFPB portal.
Consumer complaint received 2024-01-24
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OH)

On XX/XX/2023, i was robbed by the a stranger who stole my XXXX XXXX XXXX, he used my card to take money out of the account. i spoke with XXXX XXXX XXXX XXXX, they told me to send proof- such a police report and evidence of the incident. I provided the information to them, they are trying to say they can not refund me my money that was taken out in the amount of XXXX dollars. I provided everything they needed and they are failing to provide me with my money.
Consumer complaint received 2022-08-31
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. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have 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 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I received notice through XXXX XXXX  that I have a derogatory mark on my account effective XXXX XXXX 2022 from Wakefield and Associates. Original creditor XXXX XXXX California. I have no idea what this is and have not received any notification of this due balance.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (WI)

I have unauthorized inquiries on my report that Equifax has blatantly refused to remove and/or investigate. Furthermore, they have ignored all of my letters and/or requests for inaccurate information to be deleted or corrected. This is a blatant violation of the FCRA. I have sent letters, I have sent letters and I have emailed. Each time I've attached copies of an FTC report and copy of FCRA 605 b. And yet, the unauthorized inquiries remain with zero response from Equifax. 
Furthermore, they continue to report a legally unverifiable bankruptcy in which I've sent letters from Courthouse and XXXX that state they neither report nor do they verify bankruptcies. Per the FCRA, if an item can not be verified by the original creditor it is to be deleted. 
These are at least two violations of the FCRA in which I'm allowed to demand {$1000.00} for each violation. 
I've been trying to resolve these issues with Equifax since XX/XX/2021. That is more than enough time and still Equifax had not done anything.
Consumer complaint received 2022-08-31
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: ERC (TX)

In accordance with the fair credit reporting act XXXX  Accounts : Creditor XXXX XXXX opened on XXXX XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount XXXX Creditor : XXXX XXXX opened on XX/XX/XXXX Amount XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2017-09-03
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings (AE)

Representatives from Premier Holdings of XXXX, TX have contacted my mother, father, and myself on several occasions over the past several years threatening possible legal action and garnishment of wages for non-payment of a private student loan with XXXX XXXX. 

They were informed each time that the loan had been settled and to not contact myself or family members again. My Father is not associated with this paid loan in anyway. However, Premier Holdings threatened possible legal action against him even though he is not associated with this debt. In addition, they have been harassing him for years with unwanted phone calls and letters regarding this matter. 

Premier Holdings Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account manager : XXXX XXXX Account manager 's contact : XXXX Account manager 's Rep Id : XXXX Loan Information : XXXX XXXX Private Student Loan Account # XXXX, XXXX, XXXX Amount : {$4200.00} Settlement date:XX/XX/2010 Settlement Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2017-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

Re : XXXX XXXX XXXX They informed me on XX/XX/XXXX that they were closing my account. I have complied with all terms and conditions and paid my balance off every month. Their language on my letter reads " SHOULD not affect my credit rating ''. They refuse to give me an answer why and have stopped responding to my correspondence. I take great pride in my credit standing so this is very troublesome to me.
Consumer complaint received 2022-08-31
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NC)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-02-24
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. (TX)

To whom it may concern, ( TRANSUNION XXXX XXXX ) This XXXX account needs to be updated to Closed/charged off with a zero balance. XXXX and XXXX are showing a zero balance also XXXX and XXXX are not showing this as revolving credit either. So you all need to delete this or update like the other two. Stop putting this account as revolving credit as its not. Its a closed/charged-off account. Also as you see major acct stuff reporting wrong throughout all XXXX bureaus.. The credit limit amts are not matching on each report as well as the dates last reported nor the date of last payment, the date last active. Pretty much this needs to be deleted from my account as its reflecting incorrectly and harms my ability to obtain a mortgage loan. My lender told me that this is hindering me and also that its not matching as well. Please delete my XXXX account or show a zero balance and show as close as the other two bureaus. Yes, they all say charge off, I get that, the thing thats not reflecting on your bureau is that there's no balance, and it's closed. Pretty much you all should delete this whole account for inaccurate reporting altogether. It's right here in proof. 

Thanks, XXXX XXXX last four XXXX
Consumer complaint received 2022-08-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Since I've been locked out of my account, it's hard to provide to you actual dates. Here 's my story. I have had a credit card with Citibank for a few years. I kept receiving mailers and emails prompting me to open a checking and savings account with them. One of them said if I opened a savings account with a certain amount of money and kept it open for a certain period of time, I would receive a stipend of, I believe, {$200.00} from Citibank. I opened my account online and it prompted me to also open a checking account. I did that and set up my direct deposit, etc. About 6 weeks later, I transferred {$15000.00} into my savings account and on XX/XX/2022, I received an email stating my accounts were frozen and that they were closing them within 60 days of the date of the letter as I had apparently " violated the terms of my account per the client manual ''. At first, I thought it was a scam. I called Citibank, and they said it was indeed legitimate. No one could tell me what I had supposedly done and said I would receive a letter in the mail explaining everything. I never received any letter in the mail with explanation. Each time I called I was told there would be a letter, never received anything. When they froze my account, they locked me out of being able to even look at anything. So they basically took my money to use for whatever period of time they decide to keep it, with no notice and no reason as to why? I kept calling and their fraud department just kept putting me off. I called again today, to inquire as to when my funds would be returned to me. I as " on hold '' for nearly an hour. I got transferred around, and finally, the last person was with the fraud department and she told me that they couldn't access my account because it was under investigation and that I needed to call back in a week. I asked her why can't anyone at Citibank give me any explanations other than I'll get a letter. She wouldn't answer any questions, and effectively hung up with the " I'm going to terminate this call ''. I was not loud or rude with her, and she still hung up on me. Now I'm at a loss! How can they just take your money with no explanation and treat you like you've done something criminal. Please let me know if there's any additional information you need from me! Thank you!
Consumer complaint received 2022-04-14
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. (IL)

In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

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

15 U.S.C1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-24
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. (NY)

i have a collection on my credit report that pop up and its not mines its fraudulent and i want it removed under the fair credit reporting act ( FCRA ) XXXX XXXX XXXX also i have 5 inquiries that is not mines and i want it removed as well asap under the FCRA cXXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX - XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (IL)

In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

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

15 U.S.C1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-31
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. (MD)

XXXX XXXX XXXX XXXX XXXX At XXXX XXXX XXXX I sent disputes several times stating incorrect balance an wrong information with out my consent
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

The following phone number sent a text pretending to be Chase Bank : XXXX ( XXXX ) XXXX. They sent the following text message : Chase Team : We've temporariy suspended your onine access because the maximum number of unsuccessfu sign on attempts has been reached. To restore your access, pease verify : XXXX XXXX XXXX verify Thank you 2022 Chase Online
Consumer complaint received 2022-08-31
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the XXXX XXXX XXXX  about this issue and I was overlooked, and was refused for correcting the derogatory report.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Since XXXX i have held a chase account and was a loyal customer to this business however in XX/XX/XXXX i became a victim of identity theft. My wallet was stolen from me and inside of that wallet held a-lot of important information and merchandise to me including my bank cards and information that pertained to my account, once realizing this unfortunate situation i contacted all avenues to try to prevent any further misfortunes however when it came to communicating the situation with Chase Bank they would not close the account due to activity still pending on the account. In knowing that account was compromised i no longer utilized it and was awaiting them to complete their investigation with hopes that it would result in my account being closed ; However, that was not the case, my account was left open for the person or persons to do fraudulent activity on my account incur fees, make charges and claims that i was unaware of due to believing my account was closed out, due to the investigation in fact verifying it was a compromised and no longer safe account. Prior to this ordeal i filed XXXX taxes and provided the XXXX XXXX with my XXXX XXXX information, my taxes was not processed and paid to me until XX/XX/XXXX and XXXX XXXX unknowing of the situation deposited my check into this compromised account even after they attempted to deposit the first time and it got rejected they forced a deposit again and Chase Bank accepted the deposit causing all of my income taxes to be seized and used to cover an outstanding balance on an account i was a victim of theft on leaving me without anything for survival
Consumer complaint received 2022-08-31
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. (RI)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX CARD XXXX, and XXXX CARD XXXX have 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 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Credit Cards Capital One practices credit discrimination against women. 

I had a Capital One credit card for over ten years and could never get a credit line more than {$700.00} even though my credit score is over 700. I paid this card off. 

My XXXX has a separate Capital One Credit Card. I called to get the interest rate reduced as they will only reduce interest for 7 months at a time then you have to request another interest rate reduction. His personal card interest was reduced from 21.99 % to 17.9 %. A week later without asking, this Separate card line of credit gets automatically increased by {$1300.00} We have a Joint Capital One Credit Card, I asked for an interest rate reduction on this card that I use and they would only reduce the interest from 24.65 % to 20.65 % for 7 months. I asked why is that both credit cards can't be at the same 17.9 % and their answer was it's based on the credit score when account was originally and that they never pull new credit scores to give you a better interest rate. NOTE : This card was not offered a credit line increase. 


I think Capital One 's records of credit offered to women need to be reviewed for discrepancies in credit offered to men. This would be to show the difference in Line Of Credit and interest rates offered to both.