davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I contacted this Jefferson Capital about two XXXX accounts they reported to all 3 credit bureaus that were not mine. I never had XXXX phone service, and they sent me letters and told me on the phone the debt would be removed from my credit report, It was removed on XX/XX/2021, XXXX XX/XX/2021 it was back on my credit reports. I am disputing this again with credit bureaus
Consumer complaint received 2021-05-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Auto Finance/JP Morgan Chase Bank : My Car was repossessed on XX/XX/XXXX. The total amount due on the loan was {$1700.00}. Once the car was repossessed the total was now {$2400.00}. A payment of {$700.00} had cleared by my bank being XXXX XXXX XXXX by XX/XX/XXXX. On Monday XX/XX/XXXX, I spoke with XXXX XXXX of the repossession department, when he told me the total amount that I owed and that it needed to be paid by XX/XX/XXXX. I made another payment on XXXX of {$750.00} and on XXXX a payment of {$300.00}. I made a final cash payment on XX/XX/XXXX for {$700.00}. Once I made the payment I called to find out how and when I could get my car back. I found out that someone from Chase released my car to the auto auction on XX/XX/XXXX. I was given another phone number. I called that phone number, and they told me they needed to speak with the Chase Bank banch manager to confirm the total due on the account had been paid. I walked back into the Chase Bank branch, when the branch manager invited me into her office. The branch manager called the phone number I gave her. The person then asked to speak to me. We then were transferred to speak to someone else. This routine continued for about two hours. I finally asked when I could get my car back. I was told maybe in ten business days. I figured that is about XX/XX/XXXX. The branch manager could not believe what I was being told, and became angry, upset and embarrassed. During this time she was writing an email to her manager about the situation. The bank manager told me that I should not be responsible for anymore fees, and that the bank should be responsible for any damages to the vehicle. The bank manager told me contact her with any further problems.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK (IL)

TCF Bank updated their computer systems and now I can not access my bank account online. I get my statements online so I have no visibility to my account. There is now a verification code being text to a phone number that is not mine. I have spoken with customer service and they have logged a ticket with IT. It has been five business days now and I still can not access my bank account.
Consumer complaint received 2023-01-18
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XXXX XXXX Credit sold a debt to Portfolio Recovery Associates I have for the past 4 years requested the original application/validation demonstrating that I personally applied for this loan. 

They have not provided this documentation. The mailing address that they have was for my business. I did not apply or authorize this loan, I believe that an employee ( former husband and controller ) applied for the loan without my knowledge. 

They state that because there were payments made and that this is sufficient validation. I have requested documents related to the methods these payments were made by me ( ie check, another credit card ) which I have not received. 


In summary I believe that I should be able to obtain the original application and what form of authorization I made for this debt. 

I am unable to proceed with other action related to use my name and information fraudulently without proof.The negative report has impacted my credit as well.
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (CA)

I have been making payments since XX/XX/2018 to American credit Acceptance ... monthly {$610.00}. not always in a timely manner ... but kept communication open and in good faith kept all arrangements regarding dates agreed on to get account current..total paid to date is {$15000.00} ... {$14000.00} was taken and applied to interest only ... .this is the amount applied to principal {$890.00} ... .how is this legal?? Also, I was never given a separate document to sign regarding a " 2-day '' option to cancel contract ... I am so distraught and feel that there is serious deceit and fraudulent practices by this company ... they have purposely lied to me on the phone making me believe that my account was current when payments were made and never once did anyone, in my many many phone calls, divulge or inform me that 96 % of my hard earned money was going straight to interest ... no words can describe how I feel ... they are deceitful..and taking money fraudulently without any regard for the law and laws that are suppose to protect the consumer. Please help ...
Consumer complaint received 2022-10-12
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. (AZ)

Two rounds of letters were sent by certified and signature mail asking for original contracts and did not receive what I asked for no proof of debt. Asked company to remove from credit and did not comply. Two rounds of letters you sent and that the accounts still remain and have not been fully validated by Experian.
Consumer complaint received 2021-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

XXXX XX/XX/2021 I believe Citizen 's bank has one of the worst online banking system available. It is slow, often does not work correctly, and takes excessive time to post updated balances and deposits.I have MANY online accounts ( and broadband ) and this is by far the absolute worse. I also believe that this is a systemic problem from which they directly profit financially. 

I recently made a deposit for a loan payment and it didn't even show up in their system until days later. This has happened several times before and it makes duplicate payments inevitable. When the Citizen online system burps, they pile on fees ( overdraft, sustained overdraft, or whatever ) and have habitually returned the fees. I believe they know their system is terrible. 

They recently assessed XXXX {$100.00} in fees ( again for a duplicate payment - deposits fail to post until days later ), and returned all but {$30.00}. I want my {$30.00} back. I simply can not be responsible for Citizen 's arrogance, poor online banking system, and virtually non-existent customer service.
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: BELMONT FINANCE LLC (NC)

This Company as reported to my Credit profile 2 late payment in which I dispute Please Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681.Futher more when I sign up I had a contract with the Company XXXX  and they called this company and sign me up with Belmont Finance LLC .

According to Congress, 15 U.S.C. 1681a to XXXX if Congress said that your consumer report does not included Transactions or Experiences between the consumer and the person making the report The line of Credit at what you use is a transaction. Transactions are payment histories, My Experience is the line of Credit, So if the consumers report does not included Transactions or Experiences where does this late payment on my report from this company comes from. It does not exist according the please remove.Consumer report.

( 1 ) In general.

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for -- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was recently checking my credit report and saw inquiries I did not initiate. I was informed sometime ago about an XXXX data breach, but did not think anything would happen to me as a result. I now have inquiries reporting to my account that don't belong to me. The inquiries are from XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX ; and for Transunion- XXXX XXXX XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; and XXXX - XXXX XXXX XX/XX/XXXX. I have contacted creditors and have also file an FTC report # XXXX.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX bank of America charge me XXXX for interest and late fees i try to contact them for almost a month but the customer service is always busy i need to wait more than one hour still nobody answer on XX/XX/XXXX i got the another statement they charge me another XXXX dollars for interest and unknown fees even i pay it in full still charge make me frustration how they count the fees
Consumer complaint received 2021-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute letter to the credit bureaus and haven't heard anything from them. I've given them ample time but did not inform me of their investigation results. I'd like to get this information to see why the bureaus are reporting a few things differently and failed to support such reporting. 
The accounts - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX****, XXXX. XXXX Account Number : XXXX****, XXXX. XXXX Account XXXX : XXXX**** were reported on my credit report and send disputes but failed to respond and with no proof of responsibility.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (UT)

I received a gift card from my employer and registered the card. The card was used by someone and attempted to dispute the transactions. No action was taken by the card issuer and was told they will send me a form which I never received when I reported the issue 4 weeks ago
Consumer complaint received 2020-01-21
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion Credit Reporting Company, TransUnion recently conducted two investigations and found my claims of incorrect information to be correct. 

XXXX XXXX XXXX XXXX XXXX was deleted from my credit report. 

XXXX XXXX XXXX  XXXX  ( XXXX ) account balance was corrected. 

My resulting credit score is XXXX. 

I applied for a house rental through XXXX XXXX XXXX today, and they use TransUnion to determine creditworthiness. 

The TransUnion report they pulled today shows my Credit Score as XXXX.
Consumer complaint received 2021-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FULTON FINANCIAL CORPORATION (NJ)

We have a sizable business line of Credit and Term loan with Fulton Bank in New Jersey which was going on for 2 years. Now we had a Line of Credit enhancement request and a new mortgage loan which mishandled and and I was discriminated by the bank because I am an XXXX XXXX and my business is minority owned. Bank violated its prime duty of good faith and fair dealing. In addition Fulton Bank does not have proper controls in place which leads to serious wrong doings by the bank.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MA)

Hi THD/CBNA ; how are you? I just got off the phone with your representatives and it looks like that the account was transferred to XXXX XXXX, but i was never informed and it's not even reflecting on my credit report who to contact. When i called your company and citibank recovery team, they stated that i have to call different company which is not listed on my credit report. Please delete! I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX for code of ethics violations.
Consumer complaint received 2021-07-19
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. (MS)

XXXX Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

USAA has been reflecting incorrect amounts on my available balance, it seems that they have been knowingly miss stating this amount so that I will spend above it to go into overdraft for my checking account. 

I was charged for XXXX $ on the XXXX of XXXX and my account balance reflected this, even though the charge was pending, which is normal that the available balance would reflect this charge and my balance show this debit. 

For some reason, I am just now having this amount being reflected, had my account balance misstated and am now in overdraft, USAA is currently telling me that it was not shown as debited until today 's date the XXXX of XX/XX/2020, but per a statement summary on the XXXX of XX/XX/2020 the amount was reflected as being debited. 

As well there were pending charges from XXXX totalling over XXXX XXXX and on the XXXX of XX/XX/2020, possibly XXXX, I was told by a representative that the charges were being reversed and the amount would be put back into my account within 3-5 business days. I do believe that my account is being miss reflected knowingly, and the further issues are knowingly being incurred by USAA, this is not the first issue I have had with USAA. I am also being told that my available balance prior to the XXXX was XXXX but per the statement it was XXXX. USAA is unfortunately giving me multiple reasons which none answer the problem.
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have informed Transunion that there are fraudulent accounts and addresses appearing on my credit report. The companies involved and Transunion have done nothing to resolve this problem.
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

Please pay close attention! I have been a victim of identity theft. This has been an ongoing issue with the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX, collection agency ( XXXX XXXX XXXX ) and this collection bureau ( Experian ) I have been consistent with attempting to resolve this issue. For over a year I have been communicating via mail to dispute and calling them. Nothing has been done. 
I have reached my limit with Experian I have notified them about this but nothing has been done. I am a real victim of identity theft and neither the creditor or experian wants to rectify this. I have sent police reports ( see attachments ) to collection agency and creditor but none have responded regarding this. So I'm reaching for you guys help which I desperately need to REMOVE this account from my credit report. Immediately! This has affected my life so negatively. I need this removed As Soon As Possible.