davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (GA)

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 reports no consent is fraud
Consumer complaint received 2023-04-10
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. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2021-02-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Bank online has locked my account and have now asked for all my account statements from other banks which I find very odd due to the fact that this is private information and those accounts are already linked to my savings account with them. XXXX XXXX XXXX.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against MERCHANTS AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NV)

XX/XX/2018 received a letter from XXXX XXXX stating I had a debt. I spoke with a agency before saying i have no knowledge of this debt nor is this my legal name. 6 months or so I received another letter from Convergent.I then responded with an affidavit of denial stating this was not my debt nor have i ever had a contractual agreement with them nor XXXX XXXX. Amount XXXX
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (FL)

I have no clue what this debt is pertaining. I have tried to validate this debt with the address contained on my credit report as well as looking up the company on XXXX. Both letters sent to the address were returned to me. Whatever this collection might be, it seems like it's past the 7 year reporting timeframe. The credit bureaus, also did not assist me in rectifying this issue.
Consumer complaint received 2018-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I took only {$1200.00} short term loan and started paying regularly. Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 4 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. They even refused to change the payment date from XXXX of every month to the XXXX week of the month as my rent is due on XXXX of every month and I just can not pay other bills on that day. 
I paid over 50 % of the loan amount but got into this debt trap by their false and misleading sales tactics. 

I am a XXXX XXXX XXXX diabetic patience and self employed. They harassed me many many times and also sued me to the local court. 

For me buying XXXX for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. They know about my condition and refused to lower interest rates and payment terms. 

Their debt trap will lead me to slow death as my medication is extremely important to me. Their harassment tactics put XXXX XXXX in my life and and as a result my blood sugar level has increased significantly. 

Please help
Consumer complaint received 2022-01-12
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. (WI)

I have sent 8 attempts requesting these companies to provide compliance in reporting. 

I have sent letters on the following dates and these companies AND reporting agencies continue to report out of compliance please see attached documents of proof XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 The information being reported is NOT within compliance
Consumer complaint received 2020-06-03
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)

I have received a letter from Credit Card XXXX who reported due to delinquencies, bankrupcy or late payments the have reduced my line of credit from XXXX to XXXX. I had recently paid the credit card off and started to use this card again and have had no payments over 60 days delinquent.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My student ( Loan ID XXXX ) serviced by XXXX XXXX and held by XXXX XXXX XXXX XXXX continues to show on my TransUnion credit report as open with an account balance of {$9400.00}. The account was paid in full on XX/XX/2019.
Consumer complaint received 2018-02-08
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. (NC)

Experian has continually reported a false chapter XXXX bankruptcy on my credit report that ALL their agents have acknowledge the bankruptcy being reported is under a DIFFERENT name! Experian will not remove the listing even though it's under someone else name due to they keep saying " their '' source verified the information? Experian will not provide me with the name of the source to dispute this directly with them. Under Federal law, any INACCURATE OR INCOMPLETE information must be deleted. How can a company verify information under a different than mine? Easy answer, they are not verifying anything! Over 30 days ago I submitted a written request for Experian to provide me with physical evidence of this chapter XXXX bankruptcy, as XX/XX/2018 they have not. Approximately on or about XX/XX/2018 I called Experian with the Federal Bankruptcy court on the line, Experian reps realize that a officer from the courts was on the line and stated they could not discuss that issue further and stated they would need to end the call if the court ( who they claim is reporting this ) did not disconnect. Experian is a fraud, the CFPB is supposed to protect Americans from these types of companies. They are ruining my life and has caused my great financial harm! I have been fighting with this company for over a year! CFPB, what are you going to do! Experian is breaking every Federal credit reporting law on the books! I am prepared to use every legal recourse available to me to fight this!
Consumer complaint received 2018-02-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/XXXX, I tried to start an online business after I saw an ad to open an online store, I was encouraged by the ad thinking it would be a good way to pay off some debt and I decided to check it out since I am no longer able to hold down a job due to XXXX problems. 
One the companies was XXXX XXXX, they contacted me and made it seem so easy, even though I told them I didnt have any money or 401k, they asked me if I had a good credit rating and they talked me into getting more credit cards to pay for their services. 
I paid them {$9800.00} with my bank of America card on XX/XX/XXXX and XX/XX/XXXX I paid several companies to start up this online business and it all ended up being internet business opportunity frauds. When I realized what was happening, I tried disputing the charges with the merchant several times, but they have ignored my requests. I AM FILING THIS COMPLAINT BECAUSE I PAID FOR SERVICES THAT WHERE NEVER PROVIDED TO ME AS EXPECTED AND DESCRIBED. 
Please investigate this matter, it was suggested to me that if I file complaints with my government agencies for help in this matter. These companies have many complaints against them and its obvious by the list of charges that I was defrauded, I really need your help in getting my money back.
Consumer complaint received 2021-11-08
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. (TX)

Complaint : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b.

TransUnion must remove all information reporting from and relating to XXXX XXXX ( Original Creditor 10 XXXX XXXX ) including third party debt collection accounts associated with XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) : Account # : XXXX
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was asked to have wet signatures provided and on the contract and XXXX XXXX removed. I had all parties resign all pages and remove XXXX and initial the removal, then I was told that wasn't good enough and to remove mention of his name completely, I did that and then was told to remove mention of his name all together, I did and then was told to have all parties initial next to the changes, even though that was already done the first lien. The document correction request have been all over the place and although the details appear to be specific they have not been making sense and I have requested specific explanations many occasions to make sure this was right to not get the information needed. Had I received specific understanding of what was needed I would have been able to get it done on the first shot rather have to go back and forth to the parties asking for more and more corrections ensuing stress on everyone. IT took 94 days for Bank of America to even get the short sale open in the first place because they kept asking for other ambiguous documents instead of streamlining the short sale review as they should have in the first place to avoid loan mod review since the property is not owner occupied. I want to see this file move forward and willing to do the corrections I just need to know exactly what is needed so I can get this done and the file moving forward. I would also like a reasonable amount of time to get this done considering all of the nonsense Ive endured the past two weeks causing delays.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliant Capital Management LLC (OH)

On XX/XX/XXXX, my name was submitted to a collection company for {$99.00} from a company I have never done business with named XXXX XXXX XXXX at XXXX. I contacted XXXX XXXX XXXX XXXX representative name is XXXX XXXX on XX/XX/XXXX to ask why they reported me for something I didn't do. XXXX said it was from XXXX, and I asked what that was, and she said they receive a number of complaints about fraudulent claims and I would need to talk to Alliant Capital Management. XXXX gave me the number, XXXX to call referencing case number XXXX. 
I called Alliant Capital Management and talked with XXXX, and she did not know the case number, but could look it up by my social security number, which I provided. XXXX said there was a purchase for XXXX XXXX XXXX in XXXX of XXXX to an address that I last lived at in XXXX. I told her I didn't know anything about such company or purchase, and hadn't lived at that address since XXXX, and she said it was probably fraud and I would have to make a fraud report to prove it. She said they got the notice in XXXX and I have never received anything regarding such transaction until I got fraud alert from XXXX XXXX. XXXX said she would mail a verification of debt form to take to the police to file a report, which I will do as soon as I receive the form. 
To date, XXXX, I have received no documentation about any of this.
Consumer complaint received 2019-11-13
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. (AL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (TX)

Receivables Performance Management , LLC is trying to collect for a debt that they are saying is owed. I spoke on the phone with them for XXXX minutes on XX/XX/2021. The companies representative said they can not provide me proof of verification of the debt I owe. I informed the representative that is a violation of fair debt collection act. The end result the representative never provided me with any validation of the debt.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (MD)

I never received a phone call or any written documentation from Company, I never such heard of Company until it was reported on my Credit XX/XX/2018. I have " NO CONTRACT '' with Company. Company need to provide me with a contract bearing my signature showing I have a debt with them
Consumer complaint received 2022-04-29
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2022-01-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (TN)

I received a bill from the payday loan company Advance America on XX/XX/XXXX. I have never been to a pay day loan company nor do I need to take out a loan. I have over {$30000.00} in available credit, make over XXXX a year, and have no problem paying bills. I contacted Advance America immediately after receiving the bill that Friday to dispute via identity theft. The person who took the call stated I needed a police report. I hung up and called the XXXX XXXX XXXX XXXX and filed a police report # XXXX XXXX  : XXXX. I called back to dispute the debt and go through the Fraud department. I found out that the debt was taken out on XXXX XXXX online. The person used my SSN and DOB. Additionally I verified that the phone number they used was XXXX ( my number is XXXX ) which is an Indiana phone number. They also verified that the bank account the funds were issued to was XXXX XXXX. I have never been to a XXXX XXXX ; I have accounts with XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I have relatives in Indiana and visit them every year just before XXXX to go to the pumpkin patch. My mother had someone living with her at the time named XXXX XXXX who she kicked out in XXXX. XXXX would have had access to all of my information. Advance America also stated the person used an email XXXX. My personal email is XXXX. Additionally they lied about my monthly income ( XXXX ). As an XXXX XXXX my base pay is XXXX a year, much more than XXXX. Finally, they advised me that when this happened a hard pull would have taken place on my credit reports. I checked all three, XXXX, XXXX XXXX, and XXXX and there were no credit inquires ; they just released the money. Advance America stated that they would get this taken care of and that this was obviously fraud. Yesterday, XX/XX/XXXX I received another bill with an even higher amount. Additionally it appears someone made a {$180.00} payment. This obviously has not been taken care of and I would imagine the person that sent them the check for {$180.00} is the culprit.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I contacted Capital One to release an authorization hold for a cancelled transaction by XXXX from XX/XX/18. I spoke with 3 reps who verified by identify, inclusive of phone number, address, credit card, social security number and transaction. I was transferred to another rep, Senior Account Rep who insinuated that I wasn't who I said I was. She confirmed by identify once more, my phone number in which I was calling from. Then she placed me on an extended hold for about 15-20 minutes, came back and blind transferred me to the Fraud Supervisor XXXX ID # XXXX who questioned my identity and needed to provide additional verification steps after already verifying my identity by 2 previous reps. XXXX practically criminalized me for my efforts to resolve a authorization hold of {$13.00} and {$100.00}. He refused to give me the specifics on why the additional verification was needed, only said that " sometimes people aren't who they say they are '' or verify other people 's information '' I feel criminalized and discriminated against and demand a written apology on why this happened to begin with.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently applied for and was approved for a PPP loan. The funds were deposited into my Capital One 360 checking account. Capital one have frozen ALL my accounts, even the account that i share with my wife, an account that is not used for my PPP money.

I called Capital One and they advised me that the SBA have asked them to investigate ALL PPP loans that come into their account, this is not true according to the SBA.

They asked me to send in my tax return, which i have done, I also sent in a copy of my SBA paperwork. They have told me that there is NO TIME LINE on how long my account will be frozen, it could be 6 months, and I will not be able to get ANY kind of update until they are done with their " investigation ''.

I want access to MY MONEY, IT IS NOT THEIRS!
Consumer complaint received 2021-01-29
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. (NV)

Employment incorrect, Not employed with XXXX XXXX XXXX Address incorrect XXXX XXXX XXXX, XXXX never lived here Address incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Experian I have written each bureau and no response or action taken to correct fraud. 
I have filed police reports.