davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
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. (MO)

filing a complaint aganist EQUIFAX, illegally let XXXX XXXX obtained a copy of my EQUIFAX CREDIT REPORT, .i did not give equifax permission nor permission ..no letters to authorized no one to go into my credit report, i have not put in an application for a loan or a credit application. 
that is how idenity theft creats in that mannor ... i have a freeze on my information ... 
alert date :XXXX.2017 source : Equifax company : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX said to be used as a result of a loan or credit application.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (GA)

Calls 3 times a day, repeatedly twice and then once about 4 hours later. I already have the number blocked even though the first time I answered I told them I do n't have any outstanding debts to anyone ( only to my credit card, but then that would be them calling em instead of some scammer based out of Washington. )
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Re : Accounting Ending XXXX ; Case # XXXX 1. Letter dated XX/XX/XXXX from Capital One ( CO ) regarding an alleged account ending in XXXX, CO stated my account was past due. See Attachment XXXX ( 2 MB ) for details. 
2. Letter dated XX/XX/XXXX I requested specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
3. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
4. Letter dated XX/XX/XXXX I requested a second time for specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
5. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
6. To date, CO has yet to provide any requested information for account ending in XXXX.
Consumer complaint received 2018-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Emergency XXXX of us in danger. 
# Current lender is not related in those problem.But owning home through people are taken benefits through us. 
My family own home which is in XXXX and XXXX of us in US are kind of like hostages on both side. My husband is only person of responsible for our mortgage payment. Evil Main diagram is if he lose job or lack of mortgage payment, divorce, medical problem or anything else may trouble of both of property in US and XXXX. Legally or illegally people attached both of us will benefit to draw out automatically if their system is fail. 
In XXXX, property has being holding by authority since XXXX. It is holding 9 years by now. In USA, I got a letter from XXXX XXXX that foreign asset controlled property under my husband name. Please contact me if FTC need further more info. People have taken accomplished their education, some of the people are getting job or already working using me. Those people distress me, ruined my name in XXXX and US. Those all problem come from hate people who was created their cell phone was stolen by me since XXXX. Their group of people mortgage lenders and associate agencies are still actively created this evil things done. They helped people and supported who need edu, immigration status got through from bridges of our both house. Even sec8 and 2 b room housing program were taken without my consent.Then both of us can be eliminated. Please help us. They made all agencies to participate that their clients need got through from us. Save us our lives. May be immidiately filing law suit. There would be safe of us both of us live in two countries.
Consumer complaint received 2020-05-06
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: JPMORGAN CHASE & CO. (MI)

I ran my credit once in XXXX and recently in XXXX in XXXX XXXX XXXX auto and I recently checked my report and I have companys running my credit that I never heard of or gave my social security number out for no reason what so ever. My credit has dropped and I just want to remove the unapproved one one by one
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion refuses to update the status of all the accounts that were a part of my CH XXXX bankruptcy that was discharged 15 months ago, XXXX 2015!!!! The accounts are still reporting Late and on Payment Plan. This information is false. Compare to XXXX. XXXX updated alll my information in a timely manner and responded correctly to all of ny disputes.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

This is regarding XXXX with-holding a transaction fee when it suppose to be reversing or refunding a transaction that was beyond my control. The sender happens to send me money as a business, when I am not nor did I register as a business. 
On XX/XX/21, a person sent me money for {$510.00}, which XXXX charges a 3 % fee of {$15.00} because they sent it as a business and not to a friend. XXXX did NOT offer me any option to reject the transaction and therefore allow the payment to be received, and I got {$500.00}. 
I then issue a refund, in thinking that the transaction would be reversed, and {$500.00} would be taken out, but instead when the refund completed, XXXX took out {$510.00} from my account and withheld the fee of 3 % - {$15.00} There needs to be consumer protection since XXXX did not give me any option to reject a transaction if they already intend to hold the 3 % fee and not fully reversing the transaction. No notice was given. More regulation is needed since I made many attempts to get an answer and to help me dispute this, but I'm unsuccessful due to their excuse that it's Covid. 
This is just blatant robbery since I had no control of sending/receiving the money.
Consumer complaint received 2018-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (CT)

The agent had offered on XXXX XXXX to do a settlement payment. I asked for it in writing so I can have documentation of the offer, and was told that was not possible. On the XXXX, I had informed the agent that I was working during the day and would like to have a number to call to settle the debt, the agent then began behaving irrationally and used some profanity, stated I was trying to avoid payment, where I then explained I am working so I can pay my debt. I requested to no longer receive calls. The company calls 3 to 4 times per day ( often not leaving a message ). Yesterday they called at XXXX ( left message ), at XXXX ( left message of them talking to other people ), at XXXX ( no message ), and at XXXX ( no message ).
Consumer complaint received 2019-10-02
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)

I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. - XXXX XXXX {$800.00}. 
Acct Status : OPEN Remarks : Dispute and Collection Acct. 
According to FCRA Law an account can not be reporting Open and In Collection at the same time.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (OH)

I tried fixing this since XX/XX/XXXX Under 15USC 1681c-2 these items must be removed. They stating I have a litigation that been dismissed since XX/XX/XXXX.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONWIDE ACCEPTANCE LLC (MO)

XXXX/XXXX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the Nationwide Cassel LLC Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  Nationwide Cassel LLC XXXX Nationwide counter stating they would settle for {$10000.00} Nationwide increased the amount after knowing that I was in the process of buying a resident.
Consumer complaint received 2018-06-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (UT)

My leased car was return to Hyundai in XX/XX/XXXX. 
The Balance on my account as shown in the XX/XX/XXXX Statement was {$0.00}. 

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was reported as late. This is not possible as there was a XXXX balance. Please see the attached report from XXXX XXXX. 

I owed nothing but, I was reported as 30, 60 and 90 days late in payments to the credit bureau. 

I contacted XXXX XXXX XXXX and was told " you have not provided sufficient information for us to begin an investigation ''. 

I provided my XX/XX/XXXX statement and the credit report from XXXX showing a XXXX balance in the XXXX XXXX account, but yet payment for this XXXX balance was reported as late!! 

My credit score prior to this was XXXX, it has dropped over 100 points  through no fault of my own and XXXX XXXX XXXX  is not even researching the problem!!! 

I have never been late for any payment to any creditor in my life and I am annoyed and surprised at how dismissive and unwilling to fix their own mistake XXXX XXXX XXXX is being!
Consumer complaint received 2017-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hard Credit Inquieries, Capital One reports that they conducted a Hrad Inquaiery on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I nevery request any credit with them, knwoing that this would hurt my Credit Score. They  refused to assist me with the removal of these inquieries.
Consumer complaint received 2017-12-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (GA)

I was called last week ( date not remembered ) by someone asking for my name but would not identify themselves or why they called ; other than they were with ERC. 
I asked this person to stop calling. NOTE : I do not have debt in collections ; I pay all of my bills " on time ''. Two weeks ago I was called by someone from ERC. 

On XXXX/XXXX/XXXX I received another call from the number identified in my caller ID. 
I went on-line and Googled the number. It is for " ERC '' ; a debt collector. 

I have asked that they never call my number again - but it has not worked for me. 

I am a senior citizen and wary of " SCAMS ''. I believe this is a scam because I do not have any debt in collections. I have severe XXXX XXXX XXXX, XXXX, XXXX XXXX conditions, etc. Please make these people stop harassing me.
Consumer complaint received 2021-02-08
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. (NJ)

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. Its almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family
Consumer complaint received 2019-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TN)

A collection was added to my credit reports for a late payment in XXXX of 2018 in the amount of ( XXXX ). It for a {$2.00} payment for my XXXX account. It is an account for XXXX, but apparently ( I assume ) the billing process at some was taken over by Wells Fargo, so the account appears as /WF/XXXXXXXX  After several debits from my checking account by WF, I put a stop on it, simply because I has no idea who WF was? Ultimately, I spoke with XXXX customer service and after they explained who WF is and their relationship to my XXXX account, I paid the {$2.00} and XXXX agreed to remove the late payment. 

I have disputed this late payment with all three ( 3 ) credit agencies and they have come back with essentially with " Consumer Disagrees ''. XXXX is not following up with what they told me over the telephone. 

A review of my credit files will show this is the only blemish on my files. This {$2.00} late payment is reducing my FICO score about 40 point! A review of my credit files will also indicate there is no way I would jeopardize my credit worthiness over {$2.00}.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had trouble with banking in XXXX, CA. I have banked with almost every bank in XXXX, CA. I am a XXXX XXXX American XXXX woman. I have had problems since I began banking in XXXX, CA. I had to ask my sister to become my POA to help me and ever since I can not keep a dime in the bank. I don't even receive my banking statements anymore. I have complained to the bank but I still have not received anything from my bank. I have contacted the bank but I still have not received any assistance. I barely can keep any money in the bank. I really need help. I can not get any help anywhere. I have pretty much given up! Can you help me straighten this out, Please?
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armor Systems Corporation (FL)

XXXX never responded to my letter in regards to a medical debt that they claimed i owed. I do not owe any medical debt from XXXX XXXX. I sent a written letter asking them to validate on XXXX/XXXX/2017 and verify that the medical debt was mine and recieved no response.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

About a week ago my car was broken into and my wallet and checkbook were stolen. Somebody fraudulently deposited a check of mine into their account and my debit card was also used to make fraudulent purchases. TD bank called me to inform me somebody has deposited a check and called me to confirm if it was me. I explained to them that I did not and that somebody stole my check and deposited it. Due to that happening TD has froze my account. I called customer service and was informed to go to my local branch and they will help me. I went to my local branch and was told to call the Demarketing team and to leave a voicemail which I did and have yet to receive a call back. I have responsibilities and need to access the funds that are in my account. Please help me recover the funds in my account.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One canceled my account for non-use. I became aware of this on either XX/XX/XXXX or XXXX, 2021. They claimed they sent notification by the US Postal Service. I do not remember receiving it They could have sent it by registered or certified mail, but they did not. 
They could have sent by email, requiring a response from me that I received it. 
Again, they did not. I have my email listed on the Alert Page. 

I would never have let this account close from disuse because I have over {$2000.00} in reward miles. This closing also lowered my credit score by 3-4 points. 

Capital One is refusing to reopen my account, and are refusing to pay me the reward dollars that I have rightfully earned.
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (OH)

I went to open an account online and was denied. I then went to the branch and they said Ive had multiple accounts with PNC of which Ive never had one, ever! 

The branch manager gave me a non working number with a XXXX area code to the executive team. 

Ive been a victim of indentity theft before but I have no information about PNC accounts and branches are less than helpful. 

I would like to Open the PNC Virtual Wallet performance account that I should be entitled to as a new client.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Hello. I 've been a victim of Transunion 's inquiry issue. I called their customer service but they were not helpful at all. I would like to see if the following inquiries could please be removed from my report : XXXX - XXXX/XXXX/16 St. XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 Thank you so much for looking into this for me! 

XXXX XXXX
Consumer complaint received 2019-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (ND)

I discovered today that XXXX XXXX XXXX XXXX of XXXX. XXXX MN has been falsely reporting to the credit bureaus that a debt they purchased and obtained XX/XX/2019 is a new debt. On their website they falsely claim that the credit bureaus require that XXXX XXXX report the date they acquired a debt as the open date. My credit score has lost over 70 points because of their shady collection practices. A collection debt is a continuation of an original debt and this company is purposefully falsely reporting to credit bureaus the open date of accounts in order to negatively impact the debtors. This IS NOT A NEW DEBT. In their FAQs page they clearly state that if you pay your debt they will delete it from your credit report after 30 days. They also do not contact the debtors to inform the debtor that they are the collector and they try to excuse this on their page as well. Giving the debtor no opportunity to refute the debt.
Consumer complaint received 2018-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (PA)

This company sent me a debt collection notice about 4-5 years ago. I responded back in 30 days and told them I did nt owe the debt, as I have no knowledge of a account with the company in question. After that, I didn't hear from them for about a year, until they sent another debt collection notice. I again sent them a letter of dispute, from which I heard no reply. Last year, I received yet another debt collection notice. I once again responded with a letter claiming I dispute this debt, as I have no knowledge of this account. This time they sent a verification letter of the debt, but also stated they can not legally sue me or put the debt on my credit report. I took that into consideration along with the fact that the debt is not mine, and responded with a letter asking them to not contact me any more. Now, today I received yet another debt collection letter. At what point does this become harassment?