davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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: CBC Companies, Inc. (MD)

These reporting agencies I know nothing about, they had no reason to keep checking my report i never heard of them, and they were checking 5 and 6 times a month damaging my credit history this is unacceptable and want them removed, if not I'm filing a lawsuit, I feel like im definitely a victim of identity fraud, and its making me very upset, these are the hard inquires .... 
XXXX XXXX - from XXXX about 10 times XXXX from XXXX of XXXX I don't know these people XXXX XXXX XXXX  XXXX Factual data  XXXX They have all fraudently pulled my name, and my identity, I'm scared and confused, please remove these people
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ASTA FUNDING INC. (IN)

there is company palisiades collections that is trying to sue me, for a debt that is 14 years old. sent a judgement to fill out papers to garnish. I have not heard from the original creditor since XX/XX/XXXX. and then a judgement to garnish was sent to the wrong address my parents address. I know there is a statute of limitations. but isn't this a violation.
Consumer complaint received 2023-01-11
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. (OK)

I am submitting this Complaint to you today regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report : XXXXXXXX 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 XXXXXXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

So I got a used car loan from XXXX XXXX, and they put the wrong address on my account, I stay at XXXX XXXX XXXX XXXX NC. They put some Virginia address where I didn't stay at.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

in XXXX, with my american express card, bought an XXXX  XXXX. the item was never received and ill send you proof. its already XXXX and amex isnt taking the amt off my bill.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was charged unexpected interest fees by Capital One. I acumulated {$720.00} worth of interest between XXXX and XXXX of XXXX. I had the card since XXXX of XXXX and had not been changed any interest at all. I had been unemployed for 9 months and sick with XXXX. I did not expect any interest and was additionally confused due to XXXX  fog caused by XXXX. When I learned that Capital One had started charging an unbelievably high amount of interest I was frightened and borrowed money from a family member to pay it off. I than contacted Capital One to attempt to request a refund or credit, under the circumstances with the pandemic and my sickness. I was told that there was nothing that could be done, and given the run around despite apealing to their humanity and explaining my financial hardship and XXXX. I have continued to call them, escalating to multiple managers, only to be told over and over again what their policy is ( which does not account for Covid in any way ), and that they will not help me. It is important to note that through this experience I also learned that Capital One has a policy they claim is intended to assist people with financial hardship by allowing them to skip payments, but it immediately puts them into a situation where the will be changed interest. I know that other credit card company 's are forgiving interest due to COVID and I am very disappointed and frustrated to know that Capital One cares more about policies than peoples lives.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

A few months ago I noticed an email that was directed to my Spam account titled Your statement is now available online from CitiBank. Because I do I have a Citibank Card and it was automatically routed to my spam inbox I did not worry about. I then noticed at {$35.00} charge on my checking account concerning this card. When I called the company I explained to them that I did not have the card. I was asked to spell my name and it was then noted that my name on the account is spelled incorrectly. Citi Bank kept asking me for the card # since I do not have this information I can not provide it. They did close the account however they are showing a balance due.
Consumer complaint received 2017-09-16
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. (SC)

Dear Sir or Madame on XXXX I sent Experian a letter pertaining to XXXX XXXX XXXX # XXXX. Presently, I have not received a response back from Experian. This account appears to be re-aged and should have been deleted XXXX. The last date of payment listed on older credit reports is XXXX. Enclosed are these older credit reports : XXXX Report # XXXX Last Payment Listed XXXX XXXX  Report # XXXX Last Payment Listed XXXX XXXX Report # XXXX Last Payment Listed XXXX Since XXXX XXXX, XXXX, was the last day a payment was made on this account, than the date of delinquency should have started around that date. Therefore, this account should have been deleted around XXXX XXXX. 

At one point in time, XXXX and XXXX had the credit first account listed but due to the account being past 7 years, they deleted the account off of their record.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, XXXX, Citibank closed by account XXXX XXXX XXXX XXXX without properly notifying me , even though Citibank is able to do all or any of the following to contact me : 1. By telephone at the number they have on record. 
2. By regular mail at the address they have on record. 
3. By sending a secure message through Citibank Online system. 
4. By email to the email address they have on file. 

I did not know about it until I received a XXXX credit monitoring alert on XXXX XXXX, XXXX. The account closure resulted in a decrease of my credit score with XXXX, XXXX and XXXX. 

On XXXX XXXX, XXXX, I called Citibank and asked to reopen the account. Citibank representative did not agree to reopen the account without running a new credit report even though I was a Citibank customer for 20 years and Citibank has first-hand knowledge of my credit practices and payment history. Accessing my credit report again by Citibank could have resulted in further decrease of my credit score.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MI)

I want to link my PNC account to my XXXX  account and PNC will not let me link my account. My account was linked and I was able to earn interest on the money that I automatically put into My XXXX account. PNC stopped this feature therefore I am losing money.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Can you please unlock my credit file and remove my security freez permanently, I have been trying to unlock my credit to apply for an auto loan, but I haven't been able to. 
Thank you.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (OK)

I was paying XXXX the collection agency payments but turns out they are fake and Medicredit are the ones that were handling my debt but they had the wrong address for me so I never received anything from them but instead I received information from XXXX
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (HI)

Synchrony Bank sent me a bill for a PayPal Credit account ending in XXXX. 
Balance as of XX/XX/2021 : {$370.00} Minimum payment due as of XX/XX/2021 : {$180.00} CREDIT ACCOUNT WAS CREATED WITHOUT MY AUTHORIZATION and Synchrony Bank acknownledged my complaint on XX/XX/2021, when I first reported PalPay Credit account no. ending in : XXXX ( Unauthorized. ) I closed my PayPal account when an unauthorized PayPal Credit account charge was noted.
Consumer complaint received 2023-01-11
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. (OK)

I am submitting this Complaint to you today regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report : XXXXXXXX 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 XXXXXXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (FL)

I am writing to address a matter of urgent concern regarding XXXX  AS XXXX AND XXXX XXXXXXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

I had previous Truist account I left on good standing. I went to branch to close account with zero balance, months later I was told account was still open without my acknowledgment and I had a XXXX charge which I didnt made which accumulated interest which caused my account to charge off. This is not fair I paid the company XXXX to be in good standing to later find out Im being penalized for something that wasnt my fault
Consumer complaint received 2019-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (DE)

Collection : Opened XX/XX/2016 ( 3 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX  Collections : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX In XX/XX/2016 I XXXX XXXX presented before XXXX XXXX XXXX XXXX XXXX  for medical treatment of XXXX  to XXXX  XXXX. Requiring XXXX, a follow up appointment was several weeks after and XXXX XXXX XXXX XXXX XXXX  proceeded with a collection mistakenly as during 1st visit cash payment was made and follow-up was to remove XXXX. 

Upon receiving a bill from XXXX XXXX XXXX XXXX IN XX/XX/2016, I contacted XXXX XXXX XXXX XXXX and was informed that the error was noted and would be fixed. However, collections continued.
Consumer complaint received 2017-09-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MORGAN STANLEY & CO. LLC (DC)

This complaint is in response to XXXX XXXX XXXX XXXX - agent / in parity with document custodian XXXX XXXX trustee - for Morgan Stanley XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX XXXX XXXX XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX XXXX XXXX Dated XXXX The XXXX is not of issue nor discussion, as Saxon was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX 
XXXX obtained a charged off account as per their own ledger. XXXX in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through XXXX. The chain of origination and holder due course UCC XXXX FAIL. IF XXXX and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, XXXX forged my signature THAT is robo signing. XXXXXXXX XXXX 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original. 
XXXX 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. XXXX trustee for XXXX is NOT the LENDER. XXXX submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by XXXX and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. XXXX submitted several versions of the Deed some stamped with Lending Connection some not. XXXX submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but XXXX certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is Morgan Stanley Trust or document custodian XXXX XXXX? 
Pager 119 Of the XXXX Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (NY)

, After receiving my credit report I noticed an extremely high number of unauthorized inquiries on my credit report .Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of XXXX  on me not being able to get approve for a mortgage I recently applied for .Its seems to be experian and its agents are being unfair and partial, nor have I giving any consent, Under 15USC 1681b they had no permissible purpose. 
I have not giving experian any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft .I have reached out and spoke with an fraud specialist at experian where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization experian has received from these creditors showing that I have made consent to these authorizations and That they investigate in good faith. I will attach a copy of the laws that experian will be in violation of below. 
15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 
If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX where prohibited by law
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (ME)

I had an XXXX XXXX card through XXXX XXXX a couple years ago. I thought I paid the balance on the card but it still showed unpaid. I called XXXX XXXX ( XXXX - XXXX XXXX ) on Thurday XX/XX/19, I spoke with XXXX who stated that the unpaid balance was sent to NCI , a collection agency. I called NCI ( XXXX - XXXX - XXXX ). I spoke with XXXX. I told XXXX that I am willing to pay the amount I owe, {$370.00}. XXXX and the agency needs to email me a letter showing that I paid my debt. XXXX told me that there is no guarantee that the agency will email me a letter saying that I don't owe the money. XXXX put me hold so he can speak to his supervisor XXXX. XXXX returned and said, the agency will PROBABLY email me and if I don't receive a letter, I need to call back, but there is no guarantee. 
I am willing to pay the {$370.00} But I need a letter that proves that I paid the money which will increase my credit score. My question is : when One pays for something, should the person receive a RECEIPT automatically?