davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

XXXX, tow truck driver, entered my gated community after XXXX when the gates were closed on behalf of One Main Financial. Proceeded to park his truck in front of my walk way disrupting the walk pattern of residents, leaving his diesel truck running loudly between four buildings, stomps up my stairs, alarming the neighbors dog, pounds on my door with something metal, screams he is here for repo, knows where I work and is going to go tell them the repo man ask for me. Further he forces a card between the weather strip stating, " you call me or all go to your work asked for you repo ''. I feel threatened that he plans to intimidate or stalk me to my place of business. After, he stomped back down the stairs all the while saying he knows where I work. He turns his truck around, backs up to my garage and try to enter the garage, he then publishes and tapes a note to the garage door stating, " Repo, if you don't call me all go to your work and said repo asked for you XXXX XXXX XXXX '' This has greatly disturbed the peace within my household and community. I was terrified to hear this person I don't know, stomp up the stairs, pound on the door with something metal, all the while screaming about knowing where I work, then forcing something into the apartment! This has upset me and my daughters. I feel like this person is going to take additional unlawful actions and further disturb the peace. I am in fear for my safety and the safety of my kids.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION (CA)

I have had accounts opened in my name with banks. One of these accounts is with BBVA Compass. I called them several times last XX/XX/XXXXto notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.
Consumer complaint received 2019-05-11
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. (PA)

Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit fromXX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used Ba nk of America '  s online Bill Pay function to send two pay ments to my other financial institution ;  XXXX  for {$75.00} for a credit card payment and  XXXX  for {$78.00} to cover my auto loan on  XXXX / XXXX /  XXXX  . The other financial institution rejected those payments on  XXXX / XXXX /  XXXX   because they said the account numbers did not match what they had on record. The processing time on their end to send back to B of A was 2 days, which means B of A would have received the rejected funds on  XXXX / XXXX /  XXXX  . B of A has refused to issue my account a refund for the total of the payments and denied that the payments were not received by the other financial institution until I had a  XXXX  telephone conversation with my other bank and a B of A representative. They still refuse to refund my money and have no explanation as to why or where my money is.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX I asked them to send me a letter saying they purchased the debt and how much it was purchased for. She started yelling at me and talking over me without listening and I told her to stop contacting me and she kept yelling at me.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX has reported that I owe {$1100.00} with the listed account number as XXXX under my social security number. I have made 3 attempts to login to the National Credit systems website to both verify the debt and pay it. I have emailed the company with the issue that the website does not recognize my social security number, the account number the debt is reported under or the " exact amount owed '' listed on their web portal. 

The Original creditor listed is XXXX XXXX Apartments ; however the amount listed in my credit report does not match up to any communications by email or otherwise received from them. 

All communication needs to be via email for legal records purposes and ease of communication. I am located in XXXX and reasonable contact hours are not available from National credit systems. They have my email as I have emailed them multiple times.
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (CA)

Please note that AR Resources sent derogatory credit information to the three credit bureaus XXXX, XXXX and XXXX stating that I did not make payment for the months of XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. I usually make my payment online with my debit card. I made the payment for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please note that my to the best of my knowledge my identity was comprised I filed an identity theft report in with Federal Trade Commission fTC report number XXXX. When I attempted to make my payment for the Month of XX/XX/XXXX I was asked to give the last 4 digits of my social security number. I sent email to AR Resources in XX/XX/XXXX. Please note that I have made consistent payment to AR resources since the year XXXX
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NC)

I can not open a checking account because someone stole my account information and made fake accounts in my name. I have now have a XXXX year old boy and cant even pay bills online due to false accusations on my credit report. Wells Fargo .. XXXX XXXX are all incorrect information I report everything its still hurting me
Consumer complaint received 2019-10-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have contacted Captial One 360 Checking Department and also the Security intake Departemnt, in reference to a Overdraft Line Of Credit Issues. I applied for a checkings account and overdraft line of credit limit increase and both were approved. For the last few weeks I have encountered numerous of little to none communication from Supervisor and Customer Service representatives, with lack of knowledge of a technical issue with their system. I have been verified several times and two tickets were put in for this issue in their end to be resolved. As a new customer I am very disappointed with the wait time, non communication, long wait holds, back and forth with different departments and supervisors, no updated notes in the system and a full work day of several weeks with nothing resolved. This has been a inconvenience to me and I have two hard credit inquires on my credit report from XXXX  and XXXX. Which were pulled from Capital One, in reference to the Overdraft Line Of Credit that I was approved for and not able to proceed online with obtaining. This is misleading and has been a long unsuccessful wait. As a customer I would not recommend this bank, unless this matter is resolved. A customer should always be valued and handled with care as business should be their priority and any issues should be addressed immediately. Supervisors should be there to make sure issues like this are resolved promptly. If I cant access my approved overdraft line of credit. A credit to my account or checking should be applied, as most banks do. Technicians/ technical support team who work full time ( 8hrs a day ) 5 days, this issue or locating a bad code error should not exceed over two weeks as its doing. Please resolve this issue so I can continue banking services with Capital One 360.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

A charge of XXXX was placed on my credit card from XXXX on XX/XX/2021. I did not purchase anything from XXXX either in store or online. I have disputed this charge with Citibank and they found in favor of the merchant. I am filing an appeal with citibank while concurrently filing this complaint. I have reached out to XXXX at XXXX and they stated that they could not locate the charge. Citibank reversed the conditional credit given on XX/XX/2021 on XX/XX/2021.
Consumer complaint received 2022-01-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IA)

On XX/XX/2021 I sent a letter to HUNTER WARFIELD. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX - Account XXXX XXXXXXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 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. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX  Fair Debt Collections Practices Act 15 USC 1692g violations. 
XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Consumer complaint received 2018-01-24
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. (LA)

I received a copy of my XXXX XXXX report because i had updated my name, addresses and phone numbers with all 3 credit bureaus in XX/XX/XXXX. today i looked at my report an there is an unauthorized credit inquiry on my TransUnion Credit report made by XXXX XXXX XXXX XXXX on XX/XX/2017, that i have no ideal what it is and why it is an hard inquiry on my credit report that i do not know what it is, not did i authorize it.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (WA)

I 've had a Best Buy Citi card for many years ( XXXX at least ). I do not use it very often and when I do I have had paperless billing and Auto-pay set up for years. 

Recently I decided to check my statements online to see why my balance was not going down. It turns out I have been charged a " Debt Protection '' charge on my account all these years! Listed only as " other fees '' until you look more thoroughly at the bill. This fee was almost equal to my minimum payment of $ XXXXmonth. So my balance was not being paid down! 

I called Citi and they transferred me to the " Debt Protection '' department. They claimed my husband and I authorized the add on in XX/XX/XXXX( my husband was not added to account until XXXX, we did n't marry until XXXX! And he has made all the purchases on the card since then! ). I do not remember EVER adding this to the account or ever receiving ANY information on it. I asked for all the charges to be refunded and the women said that they would have to review and see, possibly I 'd have an answer in 30 days. This is ridiculous! I should have that money returned right away! How can credit card companies STILL be getting away with scam charges like this?? 

I 've paid thousands of dollars over the years to them, for something I did n't know I had and never could have used, not knowing ( even though, had I known, I 'm sure I 'd have had some type of event to use it! ) These companies are scamming people out of money and no one is stopping them! This is horrible!!
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I called bank of america edd customer service about gettjng emergency cash before i recievwd my card and they told me twice they didnt offer those services anymlre. But i emailed them and got an email bacj saying XXXX did. So i called back and tild them and ghey done everyghing they coyld not to help me. Please contact them.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (GA)

I am making a dispute agains t Pinnacle, LLC  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION  made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX   XXXX   XXXX   XXXX   ). T his action constitute fraud under both  Federal and State Laws. Also the stature of limitation are up on this debt and is no longer collectable
Consumer complaint received 2018-01-24
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: Credit Plus Inc (GA)

I have received a copy of my credit report and realized I have an inquiry from Credit Plus and I did n't apply for anything dealing with their company, nor do I have any of their Products for their company. I could not reply to them directly because I do not know how to get in touch with them.
Consumer complaint received 2018-01-24
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. (TX)

cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap
Consumer complaint received 2017-07-29
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. (TX)

X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021, a credit line was open on PayPal credit without my consent. I had no idea that it was open until XXXX XXXX when there was a purchase of {$86.00} was made. I did not make this purchase and would like to report fraudulent activity.
Consumer complaint received 2022-03-10
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. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Professionals, Inc. (TX)

COLLECTION PROFESSIONALS Original creditor : XXXX XXXX XXXX {$610.00} Balance updated XX/XX/2022 reported this information on my XXXX and XXXX consumer file which is identity theft I never stepped foot in this hospital a day in my life let alone been to any hospital in years plus XXXX and XXXX didnt even validate this collection properly i have also file a identity theft complaint FTC and working on a police report the companies info is located below XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX & XXXX ARE REPORTING THIS IDENTITY THEFT INFORMATION ON MY CONSUMER REPORTS
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (GA)

I DO NOT KNOW WHY THESE XXXX KEEP TRYING TO CONTACT ME AFTER TELLING THEM THEY MUST STOP! THEY DO NOT HAVE EVEN A REASON TO CALL ME BUT THEY STILL KEEP TRYING!!! 
STOP THEM AND PUNISH THEM WITH ALL THE LAWS THAT APPLIES TO THIS SITUATION!!! 

XXXX XXXX XXXX, a debt collector. 
XXXX XXXX XXXX, XXXX, DE, XXXX I AM REPORTING THEM TO ALL LAW ENFORCEMENT AGENCIES POSSIBLE!!!
Consumer complaint received 2018-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (TX)

This, car was not working correctly since I got it from the lot. I took it in a few times for service and the engine light was always on. I had to return the car back due to all the trouble it was giving me and I was paying more out of pocket to have a mechanic fix it. The car was returned and I am still getting billed for it.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I purchased a used car from dealership with my own financing on XX/XX/19. Dealership cashed 2 different loans for the same car, resulting in my debt to income ratio been higher and showing multiple loans. Original purchase was {$25000.00} and dealership accepted twice the amount.