davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2016-08-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Jonathan C. Frank & Associates, LLC (TX)

I got a call that I was being served on a debt ( REFUSED TO TELL ME WHAT DEBT OR ANYTHING ABOUT IT ) or arrested if I refused to be served. I kept asking what they were calling about and all they would do is repeat the attorney 's name and that I did n't need to be so hostile. By hostile I mean asking what this was in regards to, asking why I have received no notifications of any debts owed via USPS, previous phone calls or why they are calling threatening legal action or jail for something that I have NO information on. I refused to verify my social security number because I have NO idea what this call was for or if even my debt. I requested all information in writing and was told I as too late since it 's already become a legal matter beyond their control!
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.
Consumer complaint received 2022-09-04
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. (CT)

In accordance with the fair credit reporting act XXXX XXXX  XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-10-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

Borrower requested a payoff statement from Citibank on her Home Equity Line of Credit and was not provided with a payoff statement within a reasonable amount of time. The excuse is that the HELOC was in default. But the fact is that there is never a late payment on this lien. I was in default on the first mortgage and Citibank automatically put my HELOC in default. I actually paid off the first loan on XXXX/XXXX/2015. So there is no default on any loan.
Consumer complaint received 2022-09-04
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. (LA)

On XX/XX/2022, TILA VIOLATIONS and NOTICE OF RESCISSION were sent to EXPERIAN who, after receiving the complaint filed with CFPB on XX/XX/2022 regarding a separate issue, has since, ignored the NOTICE OF RESCISSION AND DEMAND TO CEASE AND DESIST FROM ANY ADDITIONAL REPORTING ON SAID ACCOUNT PURSUANT TO ADMINISTRATIVE RESOLUTION. However, EXPERIAN IGNORED THE REQUEST AND HAS SINCE receiving notice of the complaint filed stated above, CONTINUES POSTING MISLEADING INFORMATION AGAINST MY TRUE CREDIT SCORE AND HISTORY. On XX/XX/2022, again, refused to receive, accept, and/or process the relative information pursuant to the RIGHT OF RESCISSION and NOTICE thereof.
Consumer complaint received 2022-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XX/XX/XXXX I sent my first dispute letter to Transunion. Altogether I sent 3 rounds. This account is invalid. The last name on this account is incorrect. Below is the dispute letter I've sent. I asked that they verify and validate all data on this account. I have yet to receive proof of validation. Dispute Letter Section 609 Round 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Transunion, as I analyze my credit report, I am shocked to see the numerous errors you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Please verify and validate all data for this account. Every notation, dates and balances, whether reported or not. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. Attachment : 1. Copy of my Social Security Card 2. Copy of my Driver 's License 3. Copy of my Utility Bill I, hereby, attest that, to the best of my knowledge and belief, the above information is true and correct. _______________________________________________________________ Signature NOTICE Notary Public is not an attorney licensed to practice law and has not given legal advice or accepted fees for legal advice ; provided no assistance in the preparation of the above referenced documents, and has no interest in any issue referenced therein. Notary is not a party to this action and is only acting in an authorized capacity as liaison to communications between the parties. Using a notary on this document does not constitute an adhesion, nor does it alter my status in any manner. The purpose for notary is verification and identification only and not for entrance into any foreign jurisdiction. WITNESS my hand and official seal.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I was charged in XXXX of XXXX  by XXXX XXXX, a photography company, who went out of business. I used my Capital One credit card. XXXX XXXX was supposed to cover my wedding and did not provide any services. They went out of business with no viable solution to cover my wedding. An " insider '' with the company emailed me to file a dispute to attempt to get my money back. But the contract specifically states if I file a dispute I will not get my money back or services. It is my thought that this was a set up by XXXX XXXX  to keep my money AND not provide services. They stopped responding to emails. They shut down their phone line. There was no ability to resolve and nothing was done by the company to schedule services. 
I then decided to file a dispute with Capital One. I should not have to pay for a company who took my money, rendered no services, and shut down with no back up plan to cover one of the most significant days of my life. I jumped through the hoops of filing the dispute, I gave every single bit of documentation Capital One requested, as well as other statements from others who had the exact same thing happen. This was a scam company and it was very clear that they charged me with no intent to photograph my wedding. Capital One resolved the dispute, but not in my favor. I still owe the original money paid to the photographer and the fees. The reason was that the charge was over 60 days old. It is absolutely unreasonable to think a wedding photography deposit would be under 60 days old when services are not rendered. I was told to resolve my issue with the company. There is no longer a company to resolve this with. I want my money back.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

account number XXXX XXXX XXXX XXXX FTC report number : XXXX I have taken the decency to report there Fraud perpetuated against me to the federal trade commission. above this sentence I have provided the report number for further clarification. 
the account number listed above is a open end consumer credit account. They have restricted me, The natural person and federally protected consumer, my right to my own credit. I came to the table with the credit. I am the person extending the credit in the transaction so it really makes no sense what so ever to me how the 2nd or 3rd party, could have a say so in what I do and how I sue my own right, which in this case is credit. 
this is out right discrimination. I came to the transaction with the intention of extending my credit to this corporation or financial institution, and they instead have taken my credit application and monetized the credit application and in turn retuned to me a monthly payment and a credit limit. 
again they have restricted my access to my own credit, my own right! pursuant to 15 USC 1602g, clearly states who the original creditor is. yes it is indeed true that after my application for credit, the financial institution does indeed become a creditor, but they do not become the original creditor. Any forms fabricated from this fictitious corporation indicating other wise is a violation of 15 USC 1611- Criminal liability for willful and knowing violation, which has criminal penalties before the civil penalties are paid also pursuant to 15 USC 1640 - civil liabilities indicates that any damages I received because of this fraud shall either be XXXX per violation or it will be any amount indicated by me on said invoice. 
I am the original creditor, the natural person, federally protected consumer is the only person that can extend credit and create debt. 
the fact that XXXX XXXX is legitimately
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 

Account name : XXXX, Account number : XXXX. Account name : XXXX XXXX, Account Number : 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 2022-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

We made an agreement to buy a new home from TriPointe Homes through their sales agent XXXX XXXX ( XXXX # XXXX ) The address of the property is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
The agreement was signed on XX/XX/22 This was agreed to be a primary home purchase. We made a deposit of {$12000.00} for this purchase. 

The loan agent XXXX XXXX ( XXXX # XXXX ) from the builder ( tri pointe connect ) approved us for a primary home with a down payment of 10 % and interest rate of 5.625 %. 
XXXX encouraged me to also create a FAKE lease for our current primary with friends and family to overcome the high debt ratio. 

When i refused to do that, they could not quality us as Primary Home. 
They wanted me to change the purchase to Investment with a much higher down payment and higher interest rate. 
For obvious reasons, we could did not want to lie and refused to buy it as investment home. 

At this point, they refused to return by Deposit and not responding to any of my mails. 

They also refused to provide me a copy of form 1008 and 1003 of my original loan application
Consumer complaint received 2021-06-01
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. (FL)

On XX/XX/XXXX, I contacted Equifax via certified mail and was notified they had received it and signed for the letter on May 21st. The accounts are to be deleted immediately as they are in violation with the law pursuant to 15 U.S.C. 1681b ( a ) ( 2 ). I have never provided any written instructions to report anything alleged, negative and unauthorized on my consumer report that is damaging my reputation. I have asked Equifax to remove and delete any and all accounts and inquiries that they never received any written instructions for. I have provided Equifax with a letter of my written instructions to remove accounts and inquiries, providing them account and inquiry details. I also provided Equifax a copy of the law attached to the letter, proof of identity including driver license and social security card and utility bill considering address was different from driver 's license.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

This morning at XXXX XX/XX/XXXX, I received an email from Radius Global Solution LLC at XXXX. Stating that they are attempting to collect a debt of {$2200.00} from XXXX XXXX XXXX. Radius Global Solution # XXXX. From XXXX & XXXX account # XXXX. Apparently I owed XXXX XXXX XXXX  {$2200.00} back in 2011 ( 12 years ago ). Radius tried to intimidated me to pay up. I told them that I don't have an account with XXXX XXXX XXXX and never had a account XXXX XXXX XXXX in the past either. I have been with XXXX and transferred over to XXXX, went XXXX was bought out by XXXX. I'm still with XXXX. I asked the representative with Radius Global Solution to have me XXXX XXXX XXXX phone number. They gave me different number Stating with " XXXX '' not XXXX & XXXX customer service number. I had to XXXX it. Reached XXXX XXXX XXXX Global Fraud Management team. XXXX XXXX XXXX I have reach out to XXXX XXXX XXXX  and they have gave a a case # XXXX. XXXXadius Global Solution asked for my for my new address so the can update in their system? And send me a dispute forms to provide them.
Consumer complaint received 2021-01-26
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. (TX)

I have contacted XXXX XXXX XXXX  and Equifax. 
I have provided them both documentation stated that I have never lived at the address or received a card from this company. This negative information has not been updated.
Consumer complaint received 2016-10-10
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY ()

I transferred funds from my TD Bank in the U.S to my T.D XXXX Trust bank account on XXXX XXXX, 2016. I had done this type of transfers many times before with out an issue. The transfer on XXXX XXXX, 2016 did not show up in my account in XXXX and 10 days later I received funds back in my T.D Bank in US but I sent {$4000.00} USD and I received back {$3900.00} USD. Even though, I was explicitly told by the bank that there is no fee to transfer funds between TD USA and TD XXXX accounts. I called TD Bank and USA and they told me it is XXXX side that charged the fee and XXXX Side is not aware of the fee charged. They have charged me {$42.00} USD for some fee that is no where on any statements anywhere.
Consumer complaint received 2022-09-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (TX)

XX/XX/2022 I was denied credit by ALLY FINANCIAL. I tried to call the bank to ask questions on why I was denied an extension of my own credit but was unsuccessful. I never gave the dealership XXXX XXXX XXXX permission to run my credit. they informed me that they were going to take a look at it but never mentioned how they were indeed going to run my credit. they then moved forward and had a conversation with with the bank ALLY FINANCIAL on how they wouldn't approve me because I had a late payment on a vehicle that is now paid off. I then received a letter in the mail from ALLY FINANCIAL stating that they inquired to the credit reporting agency to obtain a copy of my credit report that resulted in the credit reporting agency document ALLYS inquiry. I never gave ALLY written permission to obtain or run my credit only to be denied and for them to ask me for a down payment. I feel as I was discriminated against because of prior transaction that had absolutely nothing to do with them as a corporation. I was DENIED extension of my own credit based off of inaccurate reports. I've suffer financially and this has brought damages towards my credit and now have to deal with financial hardship. Please help!!!
Consumer complaint received 2015-11-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

i got a secured card with Citibank and i put {$200.00} down to use it. after a while when i noticed they are charging me couple of dollars service fee even if i am recharging my card on time. 
I decided to close my account with Citicards which i did on XX/XX/2015 after using my {$200.00} prepaid balance and paying the dues {$1.00}. 
Today i received a statement by email for that indicates i still owe {$220.00} which is due on XXXXI called customer service so they gave me XXXX options1. Either pay {$220.00} then they will generate a refund for {$2000.00}. I can pay minimum amount due {$81.00} ( which i am not going to get back ) 3. Or else we will report to credit bureauI was threatened by customer service supervisor if i do n't pay the money. 
I feel like i got rip off by the bank cause i am forced to pay either minimum amount due which i am not going to get back or else i have to pay total due to save my credit history