davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
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)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (FL)

Upon reviewing my credit file I noticed an Auto finance account that was in my name without my knowledge or consent I immediately contacted Exeter Finance.The representatives were understanding over the phone and informed me they did not have a department for what sounded like suspected identity theft.I wrote Exter Finance explaining the discrepancy and was told to supply more information.I proceeded to make an official police report in person to my local police department and later mailed it to Exeter.Exeter then stopped reporting said account to the credit bureaus.It wasnt until I checked my report recently I noticed Exter has started again reporting said account.Said company has also stated they will not stop the reporting of this account.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IN)

Updated and new information regarding complaint XXXX. LexisNexis stated in its letter to my CPFB complaint that it reached out to me via email to request information regarding authentication. LexisNexis never sent me an email asking me to authenticate. The only thing they sent me is a letter in the mail which I have attached. They asked for me to send them info to authenticate via mail or email. I sent them an email to the address they provided giving them a copy of my drivers license and the information they requested in the letter on XX/XX/XXXX. I have attached a copy of that email showing that I did respond. In there letter they stated the closed the investigation on XX/XX/XXXX. Also in the letter LexisNexis indicated that the 3 consumer reporting agencies XXXX, XXXX, and XXXX are the ones who are responsible for the bankruptcy being on my consumer report. I called all three companies and they informed me that it was LexisNexis that was responsible for furnishing the information to them and that they are required to report that information under the FCRA. Someone is lying and I the consumer am being harmed by these deceptive practices. When I called and spoke to an LexisNexis agent via telephone they stated that the investigation was still open and would be concluded around XX/XX/XXXX or XX/XX/XXXX and that they would send an updated consumer report. LexisNexis lied in its letter to the CPFB and I have proof showing I submitted the information they were looking for.
Consumer complaint received 2019-02-22
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. (TX)

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

XXXX/XXXX/Experian -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XX/XX/XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XX/XX/XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits on initial complaint.
Consumer complaint received 2021-09-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (LA)

XXXX XXXX, I received a call from Santander Consumer USA.1 ( XXXX ) XXXX explaining that this call was monitored and recorded and is an attempt to collect a debt owed, after sending an affidavit of truth to them on XXXX XXXX explaining the inaccurate debt amount and furnishing and sharing information of my personal information to a third party after charging off my account and than reverting it back to its original account to Santander Consumer USA XXXX after speaking to a representative about if the letter was sent to the correct address, I was placed on hold and referred to Santander Consumer Legal team where I was told to fax or mail the affidavit over via fax number XXXX. Instead of the affidavit of truth, an affidavit of rescission was sent explaining the violations in my original contract where my right to rescind the contract was violated, my debt was paid for as a consumer credit transaction and not a loan. As a consumer i am not responsible for this debt and instead compensation for violations are being sought after.
Consumer complaint received 2019-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX
Consumer complaint received 2021-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

these accounts that appear on my credit report are not mine, please check them, they are hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

I often make purchases on behalf of other people ( including minors ) and have had unsolicited pre-paid debit cards arrive at my personal address. It appears this company is taking Order names and pairing it with the billing address to send pre-paid debit cards that can be activated with a phone call. 

I have called to get to the bottom of the issue but have not been able to speak to a representative. The automated phone service asks you to enter the card number to remove yourself from their list, but after reading the feedback on this company I do not trust their system. 

I am not the child guardian, so I can not run a credit check to ensure it is tack from this scheme Netspend is running. The document they send and card all look real - I am just happy it went to my address instead of the minor. She cant even open a checking account at a BANK! The practice by this company is shady.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital one and spoke to a supervisor because my U.S.P.S mail in proof to the dispute dept has gone unfixed. I asked to speak to someone in the dispute dept. but that department does not have incoming call access nor did the supervisor have a way to send an email. My information was verified that they recieved my mail and showing I had tried to dispute my late payment reportings but there was nothing she could do. I have submitted proof of my online bank statements that show direct payments were made to capital one. I have also tried several attempts with XXXX  and XXXX to remove the late reporting that Capital one has but they keep denying it. I need these false late payments taken off my credit. I am submitting again proof of my bank statements.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (FL)

On XXXX XX/XX/XXXX I received a email stating that my account with Chime but its a well known bank thats called Chime So I received a unexpected message stating that my account closed abruptly without any legitimate reason and told me my remaining balance on my account would be sent to me within a week as a closure check so its been a week Ive tried calling them on the phone on XX/XX/XXXX and emailing then from this date up into XX/XX/XXXX almost half of the day only for them to tell me that my money is still in my account and that a check was never generated so they said they put out a ticket and which get right back with me with no luck Ive just been furious and trying to email and make calls about whats going on with my account and why hasnt my check been mailed but they refused to let me know anything and exactly why they just just kept telling me the same answer and became mislead they were not helpful on resolving my issue they have been telling me two different stories the whole time while my hard earn money is stuck on my account and there is no way to re open the account so I can get all of my funds out in the total of {$910.00} $ Is the amount that is on my account right now so then they tell me after all of this there is nothing more that they can do to get my account back open again so I can at least get all of my funds back, to whom it may concern this is very devastating and so upsetting I just want and need help with getting my account open because its a really frustrating matter.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I rec 'd a letter from NY State Dept of Taxation and Finance stating I never paid my XXXX quarterly taxes. I paid all of my quarterly taxes through Chase on line banking. These are the 4 payments : XX/XX/XXXX transaction # XXXX in the amount of {$440.00} XX/XX/XXXX transaction # XXXX in the amount of {$220.00} XX/XX/XXXX transaction # XXXX in the amount of {$220.00} XX/XX/XXXX transaction # XXXX in the amount of {$450.00} All of the amounts were deducted from my checking account. I went to my local Chase Branch and they told me they could not get me copies of the cancelled checks that NY State was requesting for proof of purchase. I then called Chase on line banking and was told the same thing but that they would research the matter. I waited a week, called back, and they told me there was nothing they could do and that the only thing they could provide me with was a letter stating the check was sent and paid. Again, they told me they'd research the matter and get back to me. I never heard back from them. I called again last Friday XX/XX/XXXX and spent 3 hours on the phone with them begging them to get me copies of the cancelled checks. They told me that after 13 months the checks are archived and they can not accommodate my request. This makes no sense, since 3 of the checks are less than 13 months old. I filed a complaint with Chase, the complaint number is XXXX and I was finally able to file a claim requesting the money be returned to my checking account so that I can pay NY State the money they claim they never received. The reference # XXXX. Despite being told that I would hear back from Chase regarding my complaint in 2-3 business days I never heard back from them. I am worried that NY State will send this to collections and I would like either copies of the cancelled checks from Chase as proof of payment OR the funds returned to my checking account so I can pay NY State. Please help me.
Consumer complaint received 2022-10-07
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (GA)

This company Sezzle is incorrectly reporting my account first 60/90 days late when the balance was paid off in full. They are ruining my credit rating with this nonsense account and being dishonest with their reporting. I am not past due nor have I ever been late 60/90 days. They need to remove this dishonest reporting ASAP it is affecting my mortgage loan approval. I will never ever use this company again for their deceptive practices. Please have them to remove this inaccurate information promptly.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (PA)

In XXXX, XXXX I was searching online for an affordable small business merchant account to accept debit/credit cards. I put my contact information online and Mr. XXXX XXXX an Agent of XXXX XXXX XXXX XXXX ( See Attachment # 1 with his company contact info including office and cell numbers ) called me within an hour of my query. Later that day, he emailed me the prepopulated merchant application based on my responses to his questions during that call. I got no other documents to sign to complete that application which clearly stated fees of only {$19.00} annually and a monthly fee of {$25.00}. XXXX XXXX XXXX XXXX is the merchant It sounded perfect so I signed and digitally sent back the merchant account application. The following month XXXX XX/XX/XXXX XXXX they debited {$71.00} from my account as a fee. I immediately called Mr XXXX who stated that they would correct that error. I waited but no correction was made in spite of numerous phone calls to XXXX XXXX. The following month XXXX XXXX, XXXX ) they debited {$71.00} from my business bank account again. At that point, XXXX stopped taking my calls and did not respond to me voicemails or emails to correct the issue. 
I then contacted my bank to block any further payments to them. The XXXX payment was reversed and the XXXX, XXXX was blocked. 
On XX/XX/XXXX I completed their Closure Request Form and emailed it to XXXX per the instruction on the header of that form. ( See Attachment # 2 ). I also faxed that Closure Request form to the fax number on form header. ( See Attachment # XXXX - proof of fax ) On XX/XX/XXXX I emailed XXXX XXXX notifying him that I cancelled my account and once again wanted those fees refunded ( See Attachment # 4 ) On XX/XX/XXXX, XXXX XXXX responded to my message instructing me to Fill out the form and return it. XXXX said when its returned your account will be refunded. ( See Attachment # 5 ) Instead of refunding my account, XXXX XXXX put an unpaid debt on my credit report in the amount of {$630.00}. Over the years I have disputed this bogus debt every year since XXXX. Each time they reply that the debt is valid. They subsequently sold the debt to a collection Agency and as of XX/XX/XXXX Fidelity Collection Agency claims I have a {$770.00} unpaid debt. 
PLEASE HELP right this wrong. By law, I owe them nothing because 1. I sent in their Cancellation Form stating clearly NO FEE & refunding ALL charges ( See Exhibit 4 and 5 ) 2. I never signed off or agreed to Early Termination Fee nor received the Merchant Processing Terms & Conditions to sign and its Paragraph 23. In spite of that language which was obviously inserted when I requested a copy of documents to dispute this error on my credit report. { see language that I highlighted in Exhibit # 2 ) 3. They exploited me and this fraud is causing me hardship and holding me back in my financial life during this worldwide Pandemic.
Consumer complaint received 2020-10-23
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TN)

I bought an engagement ring from XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. At that time, I took advantage of the 18 month interest free payment plan they had offered me. XXXX used Comenity Bank as their credit provider. Comenity set the monthly payments at {$240.00} per month without my input. I understood that this amount was setup to pay off the balance in full in 18 months. Additionally, Comenity setup up the payment dates of the XXXX of each month without my input. My final payment of {$180.00} was setup to be paid on XX/XX/XXXX. The interest accrued in full per the payment plan that Comentiy setup on XX/XX/XXXX. Community could have set them at $ XXXX  monthly and I would not have fallen short on my final automated payment of {$180.00} by less than two weeks. I was not able to access my account online after trying several times over several months, I had to finally call their customer service to resolve my account access issues. The customer service rep I talked with said this was a problem for many of their customers and that I just needed to call in to reset the account to get access. Meanwhile I had no access to my account and therefore did not know that my last payment was due XX/XX/XXXX NOT on the automated final payment date of XX/XX/XXXX.
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MI)

I had no knowledge or never authorized anyone to use my social security number. These accounts need to be removed from my XXXX credit report and places on the person responsible for these two accounts, which is my father XXXX XXXX XXXX. I visit my dad, but I nerve lived there. I live at the address listed in XXXX XXXXThere are two collections on my XXXX  credit report that does not belong to me. I never knew of these collections until I turned XXXX. My father name is XXXX XXXX XXXX his social security number is XXXX, birth date XX/XX/1982. He lives at XXXX XXXX XXXX MI, he used his middle and last name, his address, with my social security with a fake year of birth to open these accounts. I had no knowledge of these two accounts on my XXXX  credit report. XXXX, XXXX XXXX / XXXX. 2. RADIUS GLOBAL SOLUTIONS XXXX date opened XXXX XXXX  I need these accounts removed from my credit report.