davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (LA)

XXXX  XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on XXXX credit report charge off balance XXXX. The balance is {$0.00}
Consumer complaint received 2022-01-12
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: LEXISNEXIS (MN)

XXXX is not the original furnisher! You are not conducting a proper investigation! I dont want to sue lexis but it look XXXX sure Im going to come after you with suit!!!
Consumer complaint received 2021-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

the following accounts appear on my credit report, check them, they are not mine XXXX XXXX Account XXXX : XXXX This is not mine. 

CAPITAL ONE Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (AZ)

AMSHER COLLECTION SERV Has been harassing me over a debt that I have no knowledge of and for which they have no Contract with me for. I have desputed this through the XXXX  reporting agencies but proof has not been given and they are still calling insesently and negatively reporting to the bureaus. AMSHER COLLECTION SERV must produce proof ( A signed Contract between Myself and their organization ) or desist from any reporting or attempt to collect.
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: CITIBANK, N.A. (AZ)

I had called CBNA and asked if they could update my account as what was being reported was hurting my consumer report. The representative I spoke to told me that they did not have access to my account and could not do anything about it. After a couple days I looked back on my account and it notified me that the account was closed. I never agreed to getting my account closed. Under 15 USC 1681 a ( 2 ) ( iii ), it was clearly not disclosed with me and if it wasn't disclosed they can't have anything to do with my report. Please update my late payments.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX {$670.00} reported on credit report. I am asking for full investigation into accuracy, also asking for removal from TransUnion report. 

XXXX XXXX XXXX XXXX, MA XXXX XXXX - XXXX - XXXX
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

Unfortunately, I purchased a XXXX gift card for my granddaughter from a company called netSpend without reading the fine print on the card wrapper that states she was required her to give them her Social Security Number when she called to activate the card. Rightfully so, she was very reluctant to give someone her SS number over the telephone. Their legal paperwork states they need her SS number because of the Patriot Act. Like other XXXX gift cards that require no personal information for their use, the intent of this card was to use it for a one or two-time purchase for the total amount on the card, not for continuous use. Therefore, I requested a refund for the card via their website. 

I tried to call their Customer Service number to inquire about a refund as it says on the card wrapper, but the only options on the recording was to 1 ) activate the card ; or 2 )  enter the card number. Since the card cant be activated without revealing her Social Security Number, I was unable to speak to a human representative, so I emailed them. 

I was told to call their customer service number or email them. Since I again could not reach a human at Customer Service to discuss this matter, I emailed them. They responded again by saying they would call me. They did, however, I was disconnected before I could answer. I again emailed them to contact me but received no response. 

All I want is a refund. I want nothing to do with this company in the future.
Consumer complaint received 2021-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Equifax is committing fraud on my credit file, and it is harming me. They are allowing a certain account in the amount of {$77.00} to XXXX XXXX XXXX cellular to reappear on my file, subsequent to having resolved a dispute about the account in my favor, and having stated as part of that resolution, that they deleted that inaccurate account from my credit file. 

In XX/XX/XXXX, I was a non-traditional, XXXX XXXX XXXX studying a post-XXXX XXXXl program at XXXX XXXX University. I own a home in the town of XXXX, Massachusetts, and I paid real estate taxes to the town and the expenses of running the property, on top of tuition, books, etc., at the time. I was not employed at the time. I had a XXXX college savings plan from which I managed, financially, my student life. 
This is prologue and background. 

I had XXXX XXXX XXXX XXXX as my cell phone service provider. I completed my 2 year obligation to them faithfully, not missing a payment. In XX/XX/XXXX of that year, I switched to XXXX XXXX XXXX 's own lower-price subsidiary provider, XXXX XXXX. I took notes during my transition of plans, and I was told by XXXX XXXX XXXX customer service on XX/XX/XXXX, that my final bill of {$77.00} had been paid to XXXX XXXX XXXX, and that my balance to them was {$0.00}. I owed them nothing in other words. 

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX had referred this same amount to a collection firm, XXXX. 
So I have spent the better part of 2 years disputing this {$77.00} bill -which is bogus and unequivocally not owed-, with Equifax. The other 2 repositories, XXXX and XXXX immediately deleted the inaccurate information from their copy of my credit report, the first time, based on my online disputes in XX/XX/XXXX, and it has not reappeared on their copies of my credit file. 

Equifax, on the other hand, has allowed this account and very same amount to reappear on my credit file. Furthermore, they've done this subsequent to resolving a dispute ( Confirmation # XXXX ) for the very same inaccurate account and amount, in my favor. I hold this documentation from Equifax dated XX/XX/XXXX,  showing that Equifax deleted the item from my credit file. 

So, I am being defrauded by Equifax, and each time they allow this previously-adjudicated-inaccurate-account, and previously-deleted-account, back on my file, my FICO score drops from XXXX ( where it should be ) to XXXX. 

I want something done about this. 

Thank you, XXXX XXXX
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (NC)

Problems with inaccurate, unverified information reporting on my credit report, which is preventing me from obtaining credit and harming my character as a consumer, I have contacted XXXX, Equifax and XXXX  concerning this matter asking for proof that these accounts was properly verified and reporting accurate information and nothing has been sent or done to fix the problem.
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (FL)

I am challenging the incorrect information with XXXX and XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account numbers that is not my and the balance are false. The XXXX month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount false. XXXX Mortgage is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.
Consumer complaint received 2021-02-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (NE)

I have done all of my Banking at Mutual of Omaha ( formally XXXX XXXX XXXX  ) Now, since CIT Bank bought out Mutual of Omaha the personal touch was gone. The bank is only open XXXX to XXXX Monday through Friday, No Saturday 's by appointment only! Then they shut down the bank that had a drive through which too became a major inconvenience, since I work Monday through Friday XXXX until XXXX. On XX/XX/XXXX, I contacted another bank to refinance my home because of a better mortgage rate. However, since I have always done the majority of my banking at Mutual I also had a HELOC along with many other accounts. 

With that being said I was planning on keeping my HELOC with CIT at the time. Unfortunately, CIT never would contact my credit union to get a subordinate letter or form signed, which went on back and forth for several months. The contact person at CIT location at XXXX XXXX XXXX were XXXX XXXX & XXXX XXXX. They were great to work with but still nothing was getting accomplished. 

This resulted in me taking out a loan at my credit union and completely closing my HELOC at CIT in the middle of XX/XX/XXXX. Meanwhile, this has costed me extra fees and interest to both banks to get this accomplished and now I am waiting for a release letter reference my HELOC being paid off and I was told that takes a minimum of three weeks!!

This is outrageous since they have the payoff amount and still not sending the release. I would think a bank would be more customer friendly especially due to the COVID so I could save me from all of the interest & extra fees being generated!! 

This CIT bank is a nightmare and I will not or do not recommend anyone to use them for anything! 

I do have emails and Mr XXXX & Ms XXXX have documentation as well to all of my visits in the bank along with the phone calls trying to get this resolved.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

I have a checking account with Navy Federal Credit Union. My account comes with a Debit card linked to my account. 
I have my card linked to my cashapp account. After which, i do not need my physical card to use cashapp. 
I was on the NFCU mobile app when i saw some cashapp charges that didn't look familiar. I immediately blocked my card and disputed the charges online. When i did that, there was a pending cashapp charge for {$2500.00} i was unable to add, and i had to call in to add to my claim ; which i did, and the Agent who spoke to me said the account will be monitored for 5 days. 
NFCU denied my claimed, saying there was no evidence of fraudulent activity. Meanwhile, my card was linked to 3 XXXX accounts and never flagged by my bank. No suspicious or warning alert when these charges were been debited from my account. 
I contacted the Merchant of the transactions, XXXXXXXX XXXX  support claimed my card was linked to 3 different XXXX  accounts. I only have one, and linked my card to my XXXX. Every XXXX account holders identity is verified, including mine ... so tracing how or who made the transfers shouldn't be hard. These charges happened even while i still had my card in my possession, and all the unauthorized transactions were all cashapp charges that do not require physical card once linked. The charges were supposed to have been flagged by my bank, said XXXX support. NFCU never sent me any alert or suspicious call ; you guys allowed the fraud to happen! I have written to NFCU to reinvestigate my claim. They never investigated it in the first place ; because if they did, they would have found that the names attached to the XXXX  transactions are not mine. Every XXXX transaction has a name attached to it, and that's not me.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Balance {$9000.00} Account number XXXX Date Opened XX/XX/21 72 Month Term This account is on my Equifax, XXXX, and XXXX Report. This account is paid and closed. Please update status on my credit report. Thanks
Consumer complaint received 2021-06-08
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. (GA)

Equifax, XXXX, and XXXX  have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

Equifax, XXXX, and XXXX  are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave Equifax, XXXX, and XXXX  any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax, XXXX, and XXXX  any written instructions to report this account. Equifax, XXXX, and XXXX  have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax, XXXX, and XXXX  keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax, XXXX, and XXXX  reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax, XXXX, and XXXX  have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: First Technology Federal Credit Union (ID)

Hello. I received credit card offer from First Tech credit union to open Choice Rewards Mastercard. This card goes with XXXX XXXX intro APR for balance transfers for 12 billing cycles from the date of 1st transfer. I've opened the card, used it for purchases for {$3100.00} and also made a balance transfer of {$32000.00}. Before 1st statement issued on XXXX I've made payment of {$1000.00} on XX/XX/XXXX. I paid {$2100.00} which should cover all remaining purchases on XX/XX/XXXX. However in new credit card statement there was an interest of XXXX XXXX  applied to not paid purchases of {$990.00}. Interest amount is {$7.00}. The credit union split my 1st payment of {$1000.00} and directed most of it to balance transfer amount of and small part of it to purchases, so {$990.00} remained uncovered. I was told by bank that because my 1st payment was done before statement, it was split and my next payment of {$2100.00} goes only to purchases. It is illegal because according to Credit Card Act of XXXX all payments should go to balances with higher APR, that is to purchases and not to balance transfer with APR XXXX XXXX  Below is answer of bank representative at chat : " The {$2100.00} payment on XX/XX/XXXX went completely to the merchandise balance. The previous payment of {$1000.00} on XX/XX/XXXX was divided with {$32.00} going towards merchandise and {$990.00} towards the balance transfer. The {$1000.00} payment was made before the statement cycled and got distributed with the age of the transactions. '' I requested fee cancellation and directing all my payments towards purchases but have not got any answer online nor from city branch. My requests were ignored. I made 3d payment of {$1600.00} to cover fee, minimum payment and remaining purchases, but credit union again split this amount according to XXXX statement and applied XXXX XXXX interest to {$540.00} of purchases ( {$4.00} XXXX. So it was absolutely incorrect information that they split payment only one time before 1st statement was issued. And bank again failed to comply with Credit Card Act XXXX.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I applied for a Premier Checking account with HSBC on XX/XX/XXXX online. I saw a promotional offer where I was supposed to get 3 % back of my direct deposits, with a maximum of {$100.00} each month. This promotion is still currently active ( can be accessed through https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ ) and I have attached the offers. Starting from XX/XX/XXXX, I deposited my bi-weekly paycheck into the account, totalling {$5100.00} in a single month. I never got any bonus, and I got suspicious in XX/XX/XXXX. I contacted HSBC on XX/XX/XXXX and after multiple back and forth, they concluded on XXXX that I did not apply through their promotional page, even though I am sure I did. They refuse to honor the bonus terms that were clearly stated when I applied for the account. They refuse to take any responsibility for this and deemed this to be fully my fault, even when there were multiple reports online of people experiencing the same issue as mine.
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

My dept is now in collections to another agency which means it was paid in exchanged. I no longer have obligation to pay this dept once it is paid off. Now I just have a agency harassing me to pay them instead when I did not sign a contract with them.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Tesla, Inc. (DC)

Hello, We leased a XXXXXXXX XXXX XXXX beginning XX/XX/2023 from Tesla XXXX XXXX XXXX in Virginia. The lease agreement we signed with Tesla on XX/XX/XXXX explicitly states when Tesla provides your car 's delivery window to you, you have a window of 3 days to in which to schedule your delivery to take possession of the vehicle. Tesla informed us on Tuesday the XXXX that the car would arrive XX/XX/XXXX and that we had to take delivery of the vehicle that day. I pointed out this provision in the agreement several times to the dealer, to which they responded that they did not care and they would not give us the vehicle after the XXXX. Given this was the end of their quarter, this was a high pressure tactic to meet quarter sales targets and violated the lease agreement we had signed with Tesla by not providing us the appropriate window in which to take delivery of the vehicle. I've attached the lease agreement which stipulates this condition under the section " Delivery ; Transfer of Title ''.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

Ability Recover was hired to collect a debt that is not mine by XXXX XXXX XXXX. Neither Ability Recover nor XXXX XXXX XXXX can prove that this is my debt. I have asked everyone for proof and nothing ... They keep sending me the same bill, but no proof. Please remove ALL collecting debt from my credit bureaus. This case should not be closed just because the collection companies respond. They need to send PROOF, not just a bill. Thank you.