davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have noticed that when I checked my experience I had 3 accounts open and I realize the other two but the one by capital one is something I do not recall ever opening nor signing up for, so I am disputing this as a fraud, and I have already made a dispute for XXXX and XXXX. It said it has been opened XX/XX/XXXX.
Consumer complaint received 2021-08-19
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. (OH)

I found an account in collections on my credit report in XX/XX/2021. This collection only appears on my Experian report and not on the other two main agencies. I contacted the collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and they do not have any of my information in their system. I also contacted the original creditor ( XXXX XXXX XXXX XXXX ) and they also do not have me in their system. The collection on my credit reports shows the original balance as {$280.00} and the current balance is {$210.00}. Even if I wanted to pay this off to have it removed from my account, I can not because neither the collection agency or the original creditor has any of my information in their system. I have disputed this as inaccurate information with Experian 4 times and they have not removed this from my credit report.
Consumer complaint received 2022-04-29
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: Bread Financial Holdings, Inc. (PA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC (GA)

I entered into a consumer credit transaction with Flagship Credit Acceptance in XX/XX/XXXX. On XX/XX/XXXX, I extended my credit using my social security card ( credit card ) to Flagship Credit Acceptance. In the process, a down payment of {$2500.00} was taken from me during this transaction. This transaction was initiated by me, by default I am the original creditor. By me extending my credit to Flagship Credit Acceptance they are now a creditor. 

15USC 1602 ( g ) I granted Flagship Credit Acceptance the right from my rights for them to incur debt and to defer payments but they violated me by using my rights instead.

15 USC 1605 ( a ) In this transaction, Flagship Credit Acceptance violated me by charging me 3 times during this transaction. I was only supposed to be charged the finance charge.

15 USC 1692e ( 2 ) They are still charging me monthly payments every month and also late fees. 

I never received a notice to verify this alleged debt during the thirty-day period. 

15 USC 1635 ( a ) I never received documents for the right to rescind.

15 USC 1605 ( c ) My insurance was not included in the transaction.

I did not receive the documents ( contract ) once the transaction was done, I didn't receive the documents from Flagship Credit Acceptance until XX/XX/XXXX. I had to request it from them. 

I sent Flagship Credit Acceptance documents requesting validation of deb on XX/XX/XXXX but have not received any return documents as of XX/XX/XXXX. 

I was also threatened in a letter from Flagship Credit Acceptance that they would come to repossess my property, which is in fact a violation, and to also have a tow service come on my property to repo my car.
Consumer complaint received 2020-11-05
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. (NY)

I called XXXX XXXX XXXX  to close my Visa card on XX/XX/XXXX ( days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX ) and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX (! ) because I am late on a payment to XXXX. I called them multiple times to remedy the situation but have not received any responses.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In the preceding XXXX months, l 've made repeated requests to Experian for an investigation into a particular account, and regrettably, they have failed to fulfill their responsibilities. Despite my efforts in highlighting numerous inaccuracies, their response remains a mere assertion of meeting FDCPA requirements. Consequently, I am now involving the Consumer Financial Protection Bureau ( CFPB ) to compel Experian to meet its obligation by conducting a thorough examination into this matter. Supporting documentation is attached to this complaint to support my claim!
Consumer complaint received 2024-02-05
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

In XX/XX/2021 I noticed that my bank account was overdrawn. Upon research with the bank for the previous XXXX months there had been unauthorized charges coming from my PayPal which was linked to my bank in the amount of {$14000.00}. Upon notifying PayPal they said they cover XXXX days but there process is longer so I should contact my bank to cover the renaming portion which I did. The bank issues me a temporary credit of {$8600.00} and PayPal {$2500.00}. Now I receive a call from PayPal saying that I owe them {$1300.00} and my bank is saying {$4500.00}. Apparently PayPal put the same dates and my bank so they are rejecting my claim from both sides leaving me negative. PayPal is refusing to correct the issue saying its now pass there covered period even though they are. The ones that put the wrong dates. Now I am out over {$10000.00}. My email address with PayPal is XXXX XXXX
Consumer complaint received 2023-03-21
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: CBC Companies, Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without written instructions.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA Bank in XXXX, Alabama, is an absolute outrage, and shocking to the conscious. In XXXX, XXXX, someone opened an account in my name and deposited and withdrew {$5000.00}. It was Identity Theft. I am on Social Security and S.S. notified me in XXXX, XXXX that this account was opened in my name I immediately notified BBVA, the FTC, the IRS and the local Sheriff. One year later S.S. notified me that they would begin to deduct {$95.00} a month starting XXXX, XXXX to repay S.S. 
BBVA bank first put me through a worthless, futile year of trying to report this fraud by phone through their lying, incompetent phone reps. Then BBVA put me through a 3 month worthless, futile period of trying to report this issue by confidential email through their lying, incompetent email reps ( I uploaded notarized ID Theft documents, color copy photo documents of my birth certificate, social security card and state photo I.D . with a notarized affidavit of my motor vehicle change of address ). At the end of all these lies, BBVA informs me that I have to submit all documents through regular mail. 

This bank is a total scam bank. First they will send you through their worthless call center. Then they will send you through their worthless confidential email. Then thewill XXXX UP on your actual mailing address and list the WRONG MAILING ADDRESS. I received a scam email from them from their confidential email system which they stated my actual physical address, but I do not receive mail at this address. I RECEIVE MAIL At MY P.O. BOX AND I HAVE TOLD THIS TO THEM OVER AND OVER AGANI. This bank is a fraud in every way possible!!!!
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I have repeatedly asked Citizen 's Bank to send me a mitigation loss application so I can apply for loan modification ; they keep saying they are going to send it, but never do. It has been more than a month now since my initial request they mail me an application.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (FL)

I applied for a loan on XX/XX/2023 as I received an email stating I was pre-approved. I received a message stating to call my local branch on XX/XX/2023. I spoke with the representative whom sent me an email with a link to confirm my email and submit additional documentation. I submitted all requested documents that same day. It has now been over a month with an email response or written response. Mariner Finance did a hard credit pull with the application. I called my local branch today XX/XX/2023 to see why I haven't received a written response to my application. I was informed that my application was denied. However, I never received any written notification as to why I was denied by email nor regular mail. This is clear violation of the laws regarding obtaining a persons credit.
Consumer complaint received 2021-06-23
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. (IL)

I have contacted all Three Major Credit Bureaus XXXX, XXXX  and Equifax to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

On XX/XX/XXXX, I borrowed {$5000.00} from Wheels Financial Group, LLC dba XXXX This money was borrowed through a " title loan '' where I gave the title to my paid-in-full vehicle, a XXXX XXXX XXXX XXXX, to the lender as collateral for the money borrowed. The loan number was XXXX. 

After being 20 days late on my first payment, my vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I could not get my belongings out of my car because of a fee charged by the impound lot and an inability to get to a destination that was more than an hour away from my home because I no longer had a vehicle. My vehicle was sold at a private auction that the lender informed me I was not permitted to attend. 

Nearly one year later, a process server left documents with my former employer indicating that XXXXt would be taking me to Small Claims Court to recover a deficiency balance, claiming that the amount XXXX sold my car for was less than the balance owed. I attended my Small Claims Court trial on XX/XX/XXXX. This trial occurred at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXf XXXX, at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe relevant case number is XXXX. The judgment entered on this case by XXXX XXXX XXXX was that the defendant ( myself ) did not owe the plaintiff any money on the plaintiff 's claim. 

I received a letter dated XX/XX/XXXX, from XXXX, stating that my account had been satisfied, specifically, " the above-referenced loan has been paid in full. '' The Titles Department signed this letter. 

Despite all the evidence to the contrary, XXXX persists in reporting my account as derogatory to the credit reporting bureaus, which has caused me much financial trouble in the form of inflated interest rates, an inability to secure an auto loan from numerous financial institutions. The impact translates into thousands of dollars I have wasted paying increased finance charges because of derogatory reports furnished by XXXX that they refuse to revise, despite evidence to the contrary. 

I have filed disputes with XXXX and XXXX regarding this matter. XXXX amended but did not correct the entry on my credit report. As of XX/XX/XXXX, XXXX continued to report my account as a " charge-off. '' I tried to file another dispute with XXXX  today. I was informed that XXXX XXXXoes not need to review my dispute further because they have already done so. XXXX persists in reporting the status of my account as : " paid in settlement. {$4500.00} written off ''. 

Even if there was legitimacy to the claim of XXXX, {$4500.00} was never written off. I had borrowed {$5000.00} from XXXX. Despite the failure to sell my car in a commercially reasonable manner, my understanding was that the vehicle was sold for more than {$490.00}. 

Please assist me with this situation. It has been plaguing me for far too long, and any help is appreciated. 

Thank you.
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent a letter to XXXX XXXX on XX/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documents. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the Credit Bureaus that I am asking to be deleted.
Consumer complaint received 2021-07-06
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)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number : XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$67.00}, XXXX XXXX XXXX Account Number : XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX and XXXX are reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX ( XXXX ) Account Number : XXXX XXXX and XXXX are not reporting this account, TransUnion is reporting a opened date of XX/XX/XXXX with a balance of {$230.00}, XXXX XXXX  ( XXXX XXXX Account Number : XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting an opened date of XX/XX/XXXX with a balance of {$490.00}, ORIGINAL CREDITOR Account Number : XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$150.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2020-01-27
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: Experian Information Solutions Inc. (MO)

My credit score should be XXXX All three Credit Reporting Agencies have not corrected my credit score. I  feel I being Discriminated against because I am XXXX XXXX.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I just recieved a new credit card today (XX/XX/2021 ) from Bank of America. I did NOT apply for a credit card and I have no banking relationship with this bank. I tried calling, but it is near impossible to get a person that can help. ( no problem if you want to make a payment ) This is upsetting in that my credit score can be affected by another credit card with a credit line of {$16000.00}. 

Again, I did not apply for this card.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

There was an auto payment setup by a BOA agent which did not process therefore causing a payment to be missed. They reported to the credit agency that the payment was late even though it was a technical error on made by them in setting up the auto-pay.
Consumer complaint received 2022-05-01
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. (NJ)

XXXXXXXX XXXX has my debt listed on equifax report, this amount of {$130.00} was paid with the intention of having this item removed from my report, but is still reporting to equifax. When thjs account was paid, the company had promised to remove but they haven't.
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (PA)

First Credit Services calls me at least 5 times a day from multiple area codes. I have blocked many of their numbers and they continue to call. Here is just a list of the numbers I have had to block to try and get some peace. 

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 2023-03-21
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: TD BANK US HOLDING COMPANY (IN)

XXXX Notified by XXXX credit monitoring of a hard credit inquiry by XXXX XXXX XXXX I did not authorize. 

XXXX by XXXX XXXX monitoring of a hard credit XXXXnquiry by TD Retail Card Services -- I did not authorize . 

XXXXNotified by Postal Carrier that an address change request was received for Washington State, I did not authorize and have not moved. 

XXXX Contacted Post Office and took identification to verify my identity and stopped address change. 

XXXX Contacted XXXX and did a dispute of the credit inquiries and then have been removed. 

Added additional credit monitoring of my credit report.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- Sent Letter XX/XX/2022 It is over 90Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.