davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NC)

On my discover credit card, late payments were reported and they are inaccurate for XXXX and XX/XX/2024. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/24, I was alerted there was an inquiry made through Capital One on my credit report. I called Capital Ones fraud prevention line, who confirmed there was a credit card application on file. I informed them that this is a fraudulent application. I was assured that this application would be cancelled.
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I signed up for the TD Beyond Checking account with TD Bank. The account stipulated that as long as I receive at least $XXXX in direct deposits within the first 60 days of account opening, I will receive a $XXXX   promotional bonus. I opened the account on XX/XX/2019. Within the first month, on XX/XX/2019, $XXXX was deposited into my account from the University of XXXX, which deposits through direct deposits electronically. On XX/XX/2019, $XXXX were deposited by the University of XXXX   through Direct Deposit (says EDI payments on statement). I have qualified for the promotion based on the conditions alone, and have kept my account in good standing during the entire qualifying period. The funds were supposed to have been deposited a maximum 95 days after the qualifying period. However, it has been more than 150 days. TD bank also denies those two payments by the University of XXXX were direct deposits, citing EDI payments as different from direct deposits.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Medical Management, Inc. (PA)

I have noticed a particular phone number show on my caller ID many times over many months.  Due to the societal issue of robocalls and spam I rarely even answer the phone any more.  Today I was feeling in a particular mood to try to call one of these numbers back to see if I can get it to end.  I chose XXXX.  When I got a person I reluctantly confirmed my phone number and name.  The woman on the other end XXXX?  asked me to confirm another household member's DOB.  I told her I was not going to do that. She told me she couldn't tell me why they were calling and I was going to continue to get phone calls.  I said I was not going to confirm information on a household member without knowing why I was doing so and she said "DROP THE ATTITUDE.  You speak to me the way I'm speaking at you or I'm going to hang up and you're going to have to talk to someone else."  I was astounded and this made me more angry.  She asked "Are you going to calm down and talk to me nicely or are you going to hang up?"  Needless to say I hung up and called back and spoke to someone who was actually helpful, XXXX.  XXXX told me that I was calling a collection agency and I was getting calls about a medical bill.  But when he looked into the file, he noticed that there was a XXXX balance, it was paid in XX/XX/XXXX (It is presentlyXX/XX/XXXX!).  He apologized and said he would remove my number.
Consumer complaint received 2022-04-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX who is a consumer sent certified letters to the XXXX, Equifax, and XXXX well over 30 days ago. Equifax has received and signed for the letter on XX/XX/22, XXXX received and signed for the letter on XX/XX/22 and XXXX received and signed for the letter on XX/XX/22.
Consumer complaint received 2021-08-13
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. (CA)

An account with a derogatory mark showed up on my Credit Report through Transunion, XXXX, XXXX. etc. - that DOES NOT BELONG TO ME. 

I have researched the financial management entity on the report - XXXX XXXX XXXX - who are repeat scammers. When their phone line is dialed, the phone automatically hangs up if the call has gone too long. I did not give them any of my personal information. 
XXXX XXXX XXXX  This is the full description that shows up on TransUnion : XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} - - - Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX - ( XXXX ) XXXX Date Opened - XX/XX/XXXX Responsibility - Individual Account Account Type - Open Account Loan Type - COLLECTION AGENCY/ATTORNEY Date Updated - XX/XX/XXXX High Balance - {$1100.00} Original Creditor - XXXX XXXX Past Due - {$0.00} Pay Status - >In Collection< Estimated month and year this item will be removed - XX/XX/XXXX Please remove this fraudulent account and balance from my credit report!
Consumer complaint received 2020-11-23
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: EQUIFAX, INC. (FL)

Hello, I've looked at my credit report earlier this morning and saw a few fruadelent accounts on it. Ive contacted the creditors and they inform me to reach out to the credit bureau which i did. They advised me to get a ftc report and i have attached that. I am requesting that these accounts be removed from my credit report. These accounts are not related to any transactions done by myself.
Consumer complaint received 2020-11-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX. I was alerted through my email that my credit score had dropped that my credit rating had changed from Good to Fair. My score was XXXX it dropped 33 points to XXXX. As of today on XX/XX/2020, it had dropped again. Making my score XXXX. I have been dealing with this company for at least 7 years trying to solve this myself. Every time i get close to XXXX score arrange is drops drastically for no reason. I believe my information has been exposed to hackers and I can't get no information if my personnel information has been exposed .The company is Experian. They have a branch in XXXX XXXX, Ca XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. I do believe at this branch my information has been EXPOSED. I had spoken with customer service and they had told me I had to seek legal advice.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Empower Finance, Inc. (TX)

I contacted Empower Inc. on XX/XX/2021 due to an unrecognized transaction made on my debit card. They provided a reference number of XXXX. The following day, XX/XX/2021, I received an email from XXXX advising they were exercising their right to close my account per the Consumer Deposit Account Agreement. No investigation of the unauthorized charge or explanation as to why my account was closed.
Consumer complaint received 2018-10-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc. (TX)

In response to the previous complaint First of all that is not accurate you are in fact reporting it as paid as proof by my documentation provided by XXXX when it should have been removed. 

Secondly, the documents have already been provided to you via certified mail that prove there is NO DEBT and will not be provided again. 

Thirdly the secondary document was provided by you, eastern account systems, and was what you sent me in an attempt of validation of debt after I disputed it with you. What you sent me and lets be perfectly clear Was a statement with a zero balance. You sent it to me so You cant really be this XXXX XXXX. 

I have ample documentation and your continuing to pursue this matter despite having all the facts and a preponderance of evidence in negligence and intent to inflict harm. Good luck arguing against the now 4 fcra violations ..

You do not have permission to contact me again regarding this matter ( 4 fcra violations now ) the information will be removed from each credit bureaus regardless of what you keep attempting because I have the facts and documents so your only wasting your own time but hey XXXX XXXX again Ill surely enjoy that XXXX per violation since its so evident you have negligently and willfully harmed me.
Consumer complaint received 2017-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2017 I called CHASE/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) in attempt to negotiate in good faith a charge off account and was turned away in hopes that they receive a bigger pay-off. Please advocate on my behave that chase accept my of 12 % the balance payment as I have told them I 'm in financial distress. My name is XXXX XXXX and the account number referenced is # XXXX Thank you ....
Consumer complaint received 2022-04-28
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. (FL)

This company is in violation Under 15 U.S. Code 1681s2 The Following inquiries i did not authorize XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX  + Bank ( XXXX ) XXXX
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

When applying for a mortgage back in XX/XX/2018 or something as simple as getting our gas/electricity transferred to the new home, I am told by multiple companies that I don't exist when they use the credit report company Equifax. Companies that used XXXX  and XXXX have no issues with finding me under my social security number. I contacted Equifax and was told multiple times from multiple people that I don't exist or my number pulls someone else 's name up so they can't help me. Even after I tell them XXXX  and XXXX do not have this issue. I would like this inconvenient issue fixed. Many companies have denied me service because they use Equifax to check my credit scores and it pulls up someone else 's name under my SSN.
Consumer complaint received 2023-09-18
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. (IN)

On XX/XX/2023 I sent XXXX XXXXk a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By XXXX  XXXX  publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. XXXX vs. XXXX ( MO ) XXXX XXXX XXXX, XXXX XXXX presume that no proof of the alleged debt for therefore any such debt, in fact exists.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING PLUS THESE ARE OTHER NEGATIVE ITEMS CREATED UNDER MY SOCIAL SECURITY NUMBER. BLOCK AND REMOVE THEM.
Consumer complaint received 2019-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I didn't know anything about this until I spoke with XXXX  but according to XXXX   when NAVIENT transferred all of my loans to them they were informed that Loan A was an income indigent (not sure if that is the correct way to say it) loan. According to XXXX, NAVIENT stated that back in XXXX, 2016 I agreed to change this one loan to this kind of repayment loan. I did not do this because I had already submitted my application to the Dept of ED for loan forgiveness and requested that ALL loans be on hold until the investigation is completed. Also, why would I do this for one out of all of the loans they had for me? Because of this I couldn't consolidate all of my loans when I tried to set up a future repayment plan. No documentation was ever received because if it had I would have disputed this with them back in 2016 and going forward.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (NV)

On XX/XX/2021 I made a purchase for pick up at XXXX XXXX. They did not have this item in stock so I made another purchase online to ship to my place of residence on XX/XX/2031. I was told my original purchase would be refunded in 2 business days. On the XXXX of XXXX it came to my attention that the original purchase was never cancelled and they had took it upon themselves to have the item sent to store. I had to cancel this myself since my order from the XXXX of XXXX had been delivered. I waited for my refund to return but it never did. I submitted a dispute with my bank, XXXX XXXX via robinhood, and was told it would be taken care of. We are now at two months and I have yet to recieve my money back and just keep being told that it will get resolved. It has not and I'm tired of waiting for my money. XXXX XXXX via Robinhood and XXXX are the worst. The people who work there do not care, I've already talked to XXXX XXXX case management and they say on their end the refund was processed and was successfully sent back to me that I needed to contact my bank. My bank is XXXX and they are sitting on this they are unlawfully holding my money it sounds like to me and that is not right. The last communication I have from them is XX/XX/XXXX, in which they asked me AGAIN for information I already gave them and clarified. I have provided all email proofs that show my money was never returned to me and still they will not give me my money back. Please help!
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am the victim of identity theft. The creditors who have contacted me about this use Experian as their source for credit reference. I have attempted to contact Experian several times so as to freeze my small business credit. No one answers. NO matter what option is selected.It is an endless loop of instructions and alternate numbers to call, and each nuymber called does the same thing.They avoid ALL direct, human interaction.The long and drawn-out message merely says write them a physical letter which includes copies of all of my personal and private information that I am attempting to protect including SSN, DOB, copy of drivers license, and more. Then it just hangs up without further option.This is nonsense!
Consumer complaint received 2020-12-03
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. (TN)

I recently reviewed a copy of my consumer reports and I notice that XXXX XXXX Formerly XXXX is reporting inaccurate information on my report. Acccording to 15 USC 1692 this is a violation. Several violations are being violated which are 15 US 1692 ( a ) ( B ) ( C ) ( D ) ( E ), I have attached a copy of my FTC report and my License/ssc.
Consumer complaint received 2020-10-26
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. (GA)

I applied for 3 month extension for covid-19 - never knew it was never processed until I got a past due notice in XXXX - Which I paid immediately and when I called XXXX XXXX they said it was never processed completely. XXXX XXXX reported me 3 months past due!!!! 

I've disputed with the credit bureaus and XXXX XXXX and the representative said there wasn't a program in place in XXXX but I was denied for the " program '' in XXXX - so if there's no " program '' what did I sign up for? 

I've called several times to escalate my call to a supervisor and continue to get the run around. 
In my opinion this is a common sense error that could have been rectified with a simple common sense approach - spoke to XXXX executive office said she has to review account could take another 15 days ... 
COVID19 HAS TAKEN EVEN COMMON SENSE FROM PEOPLE!!!
Consumer complaint received 2021-05-08
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. (OH)

My personal information has been comprised due to identity theft. I don't know how the theif was able to gain access to my personal information and use my name without me knowing about it. I'm getting threats from people I don't know and it frightens me. However, due to covid and other stress I'm dealing with in life this makes me even more stressed out. I did all i can do after I went to the police and file a report about this when I found out.
Consumer complaint received 2023-06-11
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2021-05-08
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)

For the past few months, I have been tirelessly fighting to remove fraud accounts from my credit report. This false reporting has been causing me a great deal of hardship in my life. Thankfully companies like XXXX and XXXX have taken a course of action that shows they've done a thorough investigation into this serious matter. Please see to it that Transunion provides proper legal credit verification to these accounts that weren't authorized by myself or anyone I know! Transunion has been providing the same responses stating that these fraudulent accounts are verified without legal proof for these fictitious transactions that were done in my name.
Consumer complaint received 2021-07-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Back in 2014 I went to a car lot called XXXX XXXX. Was under the assumption that I was doing By-here-pay-here which doesnt include a financial bank. I gave the car agent {$500.00} down and he said hed work out the rest. He actually opened and fraudulent applied for an loan told the financial bank Credit Acceptance that I put down {$1300.00} just to get me approved. I didnt know until I started getting notifications in the mail. Within a month the car went down and had to be given back to the car lot. Once I talked again to Credit Acceptance they agreed to close the account and advised me they do not lend to that car lot again. A police report was made because my informs was used to open this account. I have that filed with XXXX Police Dept. They representative I spoke with at Credit Acceptance her name was XXXX and to this day this loan is still on my credit report fraudulently.
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

First,my escrow payment increased $XXXX and the mortgage lender "Mr. Cooper" is unable to accurately provide the details of the increase due to the transfer of two service providers in the same year. Its quite possible that amounts/payments/ transfer information may have been lost with the transfer of service providers.Secondly, Mr. Cooper hasn't paid my semi annual tax bill that was due in XX/XX/XXXX/XX/XX/XXXX and is unable to explain why?
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Ive tried several of times to reach out to this company in regards to this inaccurate item being reported to my credit and its causing great damage, emotional stress and financial stress. This item was taken care of with the original creditor by my insurance company, and for whatever reason it was sold to this third party collection agency, when I called to inquire about this item, the agent I spoke with was very rude, and violated my rights as a consumer by not verifying my information nor stating the mini XXXX. At this point I am reaching out to an attorney to file a lawsuit against this company for the damages theyve done to my credit. If we cant work this out outside of court I will be pursuing further.