davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I am not understanding what was it that was change? I received a notification results from the credit bureaus regarding the dispute with PRO COLLECT Inc and I do not see any changes. They states that changes have been made. What changes? I have not received any document stating the DATE OF DELINQUENCY as I have requested. I under stand the this account was received on XX/XX/2016, but THE DATE OF DELINQUENCY. The date this account was pronounce delinquent. The first to 3 months that no payments was made. It is very different from the date that you received the account. I need documents were this is staten the DATE OF DELINQUENCY. Attached is the date they are reporting to the credit bureau been the date of delinquency which does not match to what XXXX TX stated when speaking to them. Please send this information. Thank you.
Consumer complaint received 2019-10-25
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)

Equfax and XXXX are reporting a Student Loan with the U.S. Department of Education. Both have received at least three disputes stating that the DOFL, Date Of First Delinquency is wrong and the correct date is 1999. As a consequence, the time for reporting this loan has came and gone. Equfax and XXXX are reaging this account.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax failed to maintain proper security for the extremely personal information of millions upon millions of people. I was one of those people and now all the information you need to be identified as me is out there in someone else 's hands. I now have to live with the fact someone could use my information to open bank accounts ect. and there is n't much I can do about it. For the rest of my life this will be a possibility and not because of negligence by me but because a company entrusted with such personal information failed to protect it.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently made a payment to capital one ; they have acknowledged receipt of payment, applied and posted the payment to my account ( the payment cleared my account ). However, capital one refuses to make my available balance available. I spoke to a manager, XXXX ID # XXXX XXXX, FL office who stated the following : - '' capital one has a right to place a hold on any customer 's account, at any time, for any reason. '' -When I asked to speak to his manager he said " he is the highest level of management that I'm allowed to speak to '' and " we operate a little differently here at capital one. '' -I requested for capital one to immediately release the hold so I can access my available balance and he said no and there is nothing I can do about it. The manager then told me to read my credit card statement because it is written in the statement that capital one has the right to place holds on any account, at any time for any reason ; I read my most recent credit card statement and nowhere on the statement is this language included. 
Capital one is abusing their financial leverage ; and at a minimum engaging in unethical, immoral and possibly illegal activity especially in the middle of a pandemic which has created immediate unnecessary irreparable harm to me and most likely other capital one customers! I have been a customer for years and never has capital one received, applied and posted my payment yet refuse to make my available balance available, except now in the middle of a pandemic. Therefore, capital one has an established historical operating track record of posting and applying payments then making said balance available ; the new activity is not established and is a new operating procedure which has never historically been enforced, even if it is in writing. Lastly, nowhere on capital one 's website is there a place to submit complaints.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax giving false Credit scores means they didnt exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax also not having permissible purpose to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT OF ED/XXXX - XXXX Hard Inquiry XXXX XXXX XXXX XXXX  No consent to furnish is fraud. 


After furnishing accounts on my consumer report as " Verified/Validated '' Equifax failed to disclose the details of the investigation to show how said accounts where " Verified/Validated ''
Consumer complaint received 2017-09-09
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. (CA)

Equifax recklessly failed to protect the credit information entrusted to them, including but not limited to social security number, addresses, date of birth, credit card information, bank account numbers, etc. exposing me to identity theft and other frauds.
Consumer complaint received 2021-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Home Loan Center, Inc. (FL)

Received a call from XXXX XXXX XXXX XXXX claiming they were from the company, LendingTree and they were attempting to collect payment for an outstanding dept. Asked for last ( 4 ) of my social and then continued to get me to pay {$240.00} payment to satisfy delinquent payment. I never had an open account with LendingTree. I attempted to get more details and eventually disconnected the call because he wasn't providing me supporting documentation. I then called LendingTree to confirm that I did not have an account with them which they agreed. I then attempted to call the person back and the phone number above and I got a voicemail with a woman 's voice ( not the caller ) and no way to leave a voicemail.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have addressed this with the loan officer, XXXX, because I am currently trying to buy a car and she literally told me that " it's not my job. '' How is that for customer service?? They have me down as having two loans at the same time with one being late and won't do anything to help me. It'd affecting my ability to buy a car.
Consumer complaint received 2023-03-29
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: Aldous & Associates, PLLC (NY)

I am writing this complaint to ALDOUS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2021-03-05
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-09-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (TX)

Covington Credit refused to stop making phone calls after I told them I was filing for chapter XXXX bankruptcy ... The phone calls got so bad that I had to contact their corporate office to get them to cease and desist calling me ... Their aggressive collection activities made me sick from XXXX ... The stress was so bad for me that I developed XXXX   symptoms from XXXX XXXX on my XXXX XXXX XXXX  on my XXXX ...
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

This is an ongoing issue XXXXLoan Depot Refuses to take reponsibility for there incompetence .I was led to believe my monthly mortgage payment with escrow account would be {$1500.00} .They had all documents including Ca .Fair Plan insurance  and failed to add to amount Two weeks after closing I was contacted by Ca.Fair Plan to pay {$1700.00} now or be cancelled .I assured them this was to be included in my new loan! Thats how I found out they had not include this in escrow .Great no fire insurance! Is this even legal to fund a house .Our agreement was OBVIOUSLY to have this included with taxes and other XXXX XXXX, again they had ALL documents in their possession ( XXXX XXXX was managing this transaction ) They say not their problem .Fraud or incompetence .Math  360x {$140.00} = {$53000.00} .Presently I am on fixed income, this was not calculated into my monthly bills.I am only asking to be treated fairly .This was not my mistake but Loan Depots.I am only asking to be treated fairly .I believe it wouldn't be so hard for them to adjust interest rate to compensate for this to keep my payment at agreed upon amount. {$1500.00} per month.I believe Loan Depots incompetence and may now be considered fraud and should compensate ASAP
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

I am reporting Bank Fraud. 
I noticed the first fraudulent unauthorized bank account at XXXX XXXX account ending # XXXX. I was told by a branch manager at XXXX XXXX to close the account on line which I did around XX/XX/XXXX. 
Then again, another new account was opened at XXXX XXXX in early XXXX. Account Ending XXXX physically met with local branch banker XXXX XXXX XXXX XXXX XX/XX/XXXX, at this point a fraud investigation was initiated by XXXX with a case # XXXX. 
Neither of these two accounts were opened by me or my wife. A new debit card associated with account # XXXX account was also mailed to my home address. 
I was out of town for a few months, when I returned home on XX/XX/XXXX to our XXXX resident I saw THREE different statements from TD BANK with Account # XXXX, XXXX and XXXX, which we have no association with. 
I physically met with the local branch manager XXXX XXXX at TD twice since then and closed all three unauthorized accounts that were opened with my SS number and our XXXX  address using a XXXX voice phone # XXXX and an email XXXX. 
I was able to report this fraud to all credit bureaus, and opened a personal account with XXXX. 
I need you to look into this matter as it is very concerning that the Banks are taking a very light attitude with this serious matter. It is against the law for a Bank to open an account without personal ID. 
Please respond ASAP to this urgent matter.
Consumer complaint received 2022-04-05
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. (TN)

In accordance with theFair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (GA)

Hard Inquires: XXXX  XXXX  XX/XX/XXXX      XXXX  XXXX  XX/XX/XXXX   XXXX  XXXX  XX/XX/XXXX

XXXX  XX/XX/XXXX



Collections: Collection/chargeoff,  Acct #XXXX****  Derogatory /negative account
XXXX XXXXll   Acct #XXXX****  collection/chargeoff   (status) paid, negative account
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

I have been a loyal customer of Macy 's for a long time. I make my payments on time always. I was very ill with COVID-19 in XXXX and XXXX but have continued having memory issues and health issues. I thought I had made my payment already to Macy 's. I didn't receive a courtesy call but instead had my credit score ruined because of a missed payment during my recovery. I have paid off the card and will likely terminate my business with Macy 's because of this.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

There are a number of traffic court violations listed on my credit report incorrectly. The few traffic court cases I've had have all been resolved by paying fines and never resulted in any criminal charges for speeding. Why are these still listed in my credit report? The fines have been paid and the traffic violations should be off my record in each credit report? They happened years ago. 

The only loan open right now for me is a student loan that I've refinanced. the approximately {$10000.00} I have left when I refinanced is only a fraction of the over {$80000.00} that I initially started paying off over ten years ago when I graduated from college and began working full time. Therefore it is incorrect for my credit score to say that I have only paid off 15 % of my initial balance. I have paid off over 80 %.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I was approved by the SBA for {$9000.00} in EIDL grant money. Only {$5400.00} was actually deposited by the lender. The bank shows only a deposit of {$5400.00}. The SBA only shows that {$9000.00} was dispersed. The US Treasury office says the lender would be able to answer why the money dispersed was not the total amount that it should have been.
Consumer complaint received 2021-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc. (MO)

I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. Remove XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the fraudulent account that has been erroneously listed on my credit report. It has come to my attention that there is a fraudulent entry on my credit report, and I demand its immediate deletion. XXXX XXXX
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank has frozen my checking account due to what they say was a fraudulent transaction reported from a XXXX Bank customer. Who sent me a XXXX payment of {$200.00}. On XX/XX/XXXX a XXXX transaction came into my account. This is what they called fraud now my account is frozen due to someone else sending me money makes no sense. 

Capital One Just froze it as of today XX/XX/XXXX. XXXX at Capital One told me to call the person ( XXXX XXXX ) who sent the zelle to resolve the issue and I said. If the person mistakenly sent me money how did I do anything wrong and if they sent money to my account how is that fraud? I said so all I have to do is send them their money back to have my account unfrozen? XXXX at Capital One had no answer nor explanation. But instead of understanding my frustration XXXX at Capital One made it to where I could not have an account ever again with Capital One. 

Because of a few choice words I had said to him out of frustration. Because he could not give me a clear answer on what will be the purpose of calling the person that I don't know that sent money to my account and how could that resolve the issue, if I don't have access to my account to send them the money back. What will be the purpose. 

I even went as far as contacting XXXX XXXX person who sent the zelle payment. I told the guy named XXXX at Capital One she provided me with a claim number XXXX for XXXX Bank and that she also stated that XXXX denied and closed her claim. And that there was nothing she can do on her and to help me fix my situation. He insisted just call her but never had a resolution as to what the call would do for my account or what should I do. 

Not once did she ask me to send her any money but I offered. She did make a point to say that it must have been XXXX but they never resolved it on here end. 


It seems as though Capital One has a issue with reporting things as fraud with their own customers. Three days ago my wife received her credit card that she applied for, from Capital One. Representative told her it was fraudulent. My wife said how I have another Capital One credit card with my name on it same name as on this credit card. My wife told them we were married in 2017. That's when her last name change she provided them with driver 's license and other documents and they would not activate her credit card. 
As in my case the representatives locked the card and said it was fraud.. It took 72 hours and a lot of frustration and talking with them and she threatened to dispute it with her bank to get her money back before they activated that card It is ridiculous how Capital One treats their customers please help.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patrick Scanlon P.A. (DE)

On XXXX I received a wage attachment at my job regarding a debt fro XXXX. I disputed that debt back in XXXX when my ex used my card without my permission. Never hear a word about it after that. I asked for a validation of debt but they just sent me a print out of the original balance that I originally disputed 12 years ago and was advised I had nothing to worry about. I have great credit and this account is not on my credit report. The attorney is very rude, demanding and threatening. I never received a correspondence regarding this or a wage attachment.
Consumer complaint received 2023-01-26
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: Bread Financial Holdings, Inc. (CA)

In XX/XX/2022 I used my credit card to purchase a few things in XX/XX/2022 I thought I paid of credit card in full but turns out I was short XXXX XXXX  it took me XXXX months to notice this once I did I paid XXXX dollars to catch my account up to date. After paying them they then decided to go furnish the late payment on my credit report dropping my score severely I've called XXXX times asking/begging them to remove the late payments because I am a survivor of XXXX XXXX and I need to move ASAP for my safety but as of right now I can't because my score dropped so bad please can you guys help me and remove the late payments that were recently added to my report please. Since 15 U.S. CODE 166b so I would very much appreciate it once it's taken off so I can move for my safety
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I purchased a service of goods but was scammed on cash app, they they blocked me after I sent the money and wanted my money back so I sent a refund request, no response so lastly I went to cash app support but they told me no and kept sending me a list on how to not get scammed, and said they couldnt answer more questions
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to XXXX  XXXX for the purpose of obtaining a credit card, XXXX  XXXX  has committed fraud with my personal information, I have sent XXXX  XXXX a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time XXXX  XXXX accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because XXXX XXXX has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.