davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
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: Neon Newco Corporation (OH)

Netspend advertising on the front of their package looks much like a gift card. I purchased it by mistake. I was unable to get a refund from the store and Netspend required DL, SS card, and proof of residence to create an account. This has created a delay where they are holding my money and I ca n't use it. They have yet to create an account for me. THey offered a full refund but it will take 7 to 10 days. 

In general they are deceptive in packaging and they are extremely difficult to work with. 

They keep you from your money and have ridiculous fees for simple transactions. 

This is sad if this is all poor credit people have to use. 

I had to cough up more cash to buy gift cards for my XXXX presents because all this money was tied up with Netspend, I was lucky I had it or the kids would have gone without.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aqua Finance, Inc. (PA)

After recent review of my Credit Report, I found an loan account reported in my name for {$5200.00} by the AQUA FINANCE COMPANY. 
I called Aqua Finance and asked them about this account. They informed me that I was indeed a borrower on this account, along with a relative. I immediately contacted this relative and asked them about this account. They told me that when they got this loan, my information was given to the company as a " Reference Only ''. They were never told that I was co-signing or a borrower for his loan. 
I called Aqua Finance back and informed them that I had no knowledge of this loan prior to it being taken out, I had a long conversation with one of their Reps, and it was really understood that I knew nothing about nor did I ever give anyone permission to use my personal information to acquire a loan from this company.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: STATE EMPLOYEES CREDIT UNION (NC)

Asked state employees credit union in XXXX nc for my credit card to be increased and was told because I had a lose in my business that I couldnt get it I was told I have a great pay history but because I had a lost they can not increase my credit card 15 U.S. Code 1681g - Disclosures to consumers
Consumer complaint received 2019-08-22
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I sent a certified USPS mail of my complaint to XXXX Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both HSBC and XXXX XXXX XXXX.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet XXXX updated my credit report without deleting both accounts, for failing to respond to my request.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for Capital One stating that there was no reason on their end or mine that the payment was returned. This was an issue with Capital One and I would like these lates removed off of my account.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In late XX/XX/2020 I noticed a charge on my account that I owed a hotel the XXXX in Dc that was booked through XXXX the amount XXXX my account was debited along with NSF for XXXX there were several as others payments could be processed. In XXXX Bank Of America Finally posted a temporarily credit to my account. Per there research I owed the funds. I informed them that I did not book the reservation as I had no reason. I have used the company XXXX for a hotel stay that was schedule for XXXX in XXXX but due to Coronavirus I forgot to call and cancel. I was not charged for it either. To my surprise I was charged for a stay that I didn't book at all. I had no reason. The night they said I booked it I was at home with a stay at home order for my state of Maryland. As a result this transaction has caused sever damage causing regular payments not to processing resulting in more overdraft fees each at XXXX. As of today I will not have a paycheck on Friday XX/XX/2020 as the fees and the payment for the no hotel stay at all being debited form my account. I have filed a re-open and I have informed the bank of my filing with your agency. As my Account was also hit my XXXX an over charges as my bill was paid in Full in XXXX and a week later they sent a credit for phones I returned to only charge my account XXXX by XX/XX/XXXX, XXXX. I called they refused to refund the monies stating that they can credit my account as I'll owe for this month. This was not an approved transaction. I was hit even more fees by Bank Of America as a result. I am closing this account as of now I have no funds to pay my car insurance, normal bills that come out and most of to buy food for my XXXX grand children that I am raising.
Consumer complaint received 2021-05-01
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)

XXXX I purchase and item from XXXX XXXX. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation
Consumer complaint received 2020-12-03
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. (FL)

I have disputed information on my Trans union credit report six times for XXXX XXXX XXXX. XXXX removed this account with no problem, but Trans union has not after numerous disputes. This account was closed on XX/XX/2016. My credit report is still showing a balance of XXXX. This company sold me a car under fraudulent terms. I wrote a formal complaint about this company with the XXXX XXXX XXXX They have thousands of complaints on that site for misrepresenting loan and contract amounts. XXXX removed this account promptly after dispute, but Trans union has constantly denied my request. TRANS UNION constantly has posted WRONG information on my account. Trans union appears to NOT want to HELP people to improve their credit but HINDER them. Also there is validation to my claim or XXXX would not have removed the account. WAKE UP Trans union you are messing with peoples lives!
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2019-08-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Settled the account in XX/XX/XXXX the last transactions in the beginning of XX/XX/XXXX accompanied with a hand signed letter saying we would receive a satisfactory of the loan document along with the mortgage note and deed. Now the most recent letter from the bank is saying I'm in default and 30 days delinquent. I have went to the branch in person was told they applied the funds incorrectly on there end and promised me I was good and settled now we owe everything all over again I don't understand how they can do this and get away with it I'm XXXX and feel I have been taken advantage of me I'm still learning and contracts and law is complex and takes time and experience please help me. I want to know who holds the note to this mortgage and I want to know why the banks think they can steal all the escrow then re apply my principal curtilment payment s back to the outstanding balance!?
Consumer complaint received 2021-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

Received collections letter in the mail that XXXX XXXX had sent my account to collection and that my balance was {$360.00}. I contacted XXXX and they said my account was never sent to collections. 

Letter sent by American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX Letter advises to make checks payable to American Coradius International LLC XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX payment with www.acibillpay.com
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX I purchase and item from XXXX XXXX. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation
Consumer complaint received 2023-02-24
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: Kikoff Inc. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, 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 2019-08-22
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. (NY)

I sent a certified USPS mail of my complaint to Experian Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both XXXX and XXXX XXXX XXXX.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet Experian updated my credit report without deleting both accounts, for failing to respond to my request.
Consumer complaint received 2019-08-22
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 (GA)

I tried to make my payment to capital one twice but for some reason or another the payment account that I made the payment had my card on hold which I didnt know while I was making the payment. While I was trying to correct the missed payment capital one proceeded to close my credit card account without giving me any kind of notice saying that they were closing it. I tried to go ahead and still apply the full payment to my account to pay it off and capital one would still not let me correct my account to keep it active.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (IA)

When ever I open any form of a credit or bank account XXXX early warning system, reports so incorrect and miss use of there power because Not one single person is checking on the fact that I was avictim of the XXXX breach and XXXX XXXX Breach to also be top off by my realtive whom I share the same name as well as DOB, and Social security number being swapped around.thusfore if the credit bureaus and ers were properly doing there job they would have caught my aunt using my name as well as my Social Security Number and other vital information was on the dark web for sell and yet coupled with the knowledge of this the**MASSIVE ISSUES** I'M BEING HEEALD RESPONSEABLE FOR MY IDENTITY BEING OFFERED TO WHOMEVER BECAUSE OF BOTH EQUIFAX AND XXXX XXXX, NOT HAVING A MORE SIGNIFICANT DATA PROTECTION FIRE WALL AND OTHER ADVISIVE SECURITY BASE TO PREVENT THE CONSUMER OF BEING UNWILLING PARTICIPATES IN THERE GAME AND SPOKEN TO AS THOUGH WE WERE THE SUSPECT.ALL CREDIT BUREAUS KNOW THAT I WAS A victim of identity theft due to the fact that my aunt was perpusly willfully and premeditatedly using my identity and commiting fraud against stores and shop owners as well as several bank institutions. My family and the late judge XXXX worked tiresly to prevent me from being a unwilling and unparticpant yet no one has decided to go on with doing what is the right thing to do and correct all the wrongs they have allowed to go on ruining my life and my credit. I'm asking for all corrections and experid be removed and strickened from my reports, public and private within the,30 day time frame alotted by law.if you have any questions please feel free to contact me again via phone @ XXXX Sincerely Mom
Consumer complaint received 2020-12-03
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. (TX)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-03-28
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. (NV)

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 bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-23
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. (NJ)

I am writing you to inform you that under the F.C.R.A Law XXXX XXXX XXXX failed to notify me at least 5 business days before they reported negative items on my credit report for the month of XX/XX/2019. By law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. XXXX XXXX XXXX failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit report. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and this negative items must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the month they reported this negative item. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balance from this specific month and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance.
Consumer complaint received 2020-12-03
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. (VA)

All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC. (TX)

I received a new debit card from Frost Bank, which I didn't request nor I have any business with this institution. I called and asked them why I was receiving the debit card and they told me because of a new account. I told them I didn't authorize it and I asked what kind of information was provided to open an account, they matched my information. I asked them what kind of physical identification forms ( ID, DL, etc ) was provided, I was told that the fraud department can helped me, I was transferred to Fraud department but I was only provided with information how to freeze my credit reports. I called them again to confirm if they had closed the account because I received statements, they confirmed that account was closed. They never called back again.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III (CA)

On XX/XX/2019 I contacted XXXX to rent a car for two days. The car I selected was a XXXX XXXX but when I arrived it was a XXXX XXXX not what I contracted. I took pictures of the car and had to take it because nothing else was left. When driving the check engine light kept coming on so I parked the car and contacted XXXX XXXXXXXX XXXX XXXX about the problem. They agreed to exchange the car for the XXXX I originally asked for at no charge. I took out the insurance on the car just incase something went wrong. After returning the car I checked my XXXX XXXX XXXX and saw they charged me {$870.00}. 
I also took out insurance on the car rented plus had XXXX insurance. 

I disputed the charges with XXXX XXXX and they removed excessive the Charges. XXXX XXXX XXXX  created a False Installment account and submitted it to the Credit Bureau. I disputed the charges and they were removed. They then resubmitted the amount two more times and I disputed there claim. Now they are calling me trying to collect on this account and have damaged my credit.