davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (PA)

i had a td cash credit card with a rewards amount of XXXX points. the card was closed without my knowledge at the end of XXXX of XXXX i was never told that my card was closed even though i spoke with them multiple times about issues with my account as well as getting bill statements well after it was closed. i was also not told the reward points would expire after 60 days of card closing. i earned those reward points and what they should have done was send a check in place of the rewards instead of just ending them without so much as a phone call or email
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

A person called me today XX/XX/XXXX at approx XXXX XXXX  and left a voicemail. Message was left by a person called XXXX XXXX and they did NOT mention the agency that they were calling from. The caller ID came up as local to me ( XXXX, XXXX  ) at XXXX. In the message I was told they were contacting me due to a pending action against me and to call back immediately or they would be forced to make a decision without my consideration. Initially I ignored it, XXXX  the number and saw it came up right away as a scam alert on XXXX. 5 minutes later my adult daughter called me panicked that the same person called her threatening that if she didn't get me on the phone or for me to call them right away I could be facing legal penalties and possible criminal action. My daughter suspected fraud as well and the person hung up on her. After she relayed this to me, I called the number that was provided to me in the voicemail XXXX ( I did *67 to block my caller ID ). XXXX XXXX answered ( NOT the same person who left my message - different voice and no accent this time ). He asserted that he was working for XXXX XXXX XXXX out of XXXX. I asked for a website to visit the business but they don't have one. I told him I couldn't find them on XXXX  and he said law offices are not on XXXX. He was emphasizing that a subpoena was sent to me at my home and that I had to speak to an attorney. He forwarded my call ( I didn't take note of her name but she confirmed she was not an atty ). She said this was a debt collection from Capital One bank for a balance owed from XXXX. I then explained that I filed bankruptcy in XXXX ( XXXX XXXX XXXX and that I've carried a Capital One account since the filing and have immaculate standing. She was instant that I owed the debt and if I didn't pay I'd have to go to court. She ultimately hung up on me. 
I called Capital One and spoke to an agent. I was assured a few things from Capital One ; they settle their own debts and do not use 3rd party agencies nor do they sell the debt off, they don't use outside attorneys, they've never heard of XXXX XXXX XXXX, and that the debt from XXXX is far beyond any statute limits to collect at this point. 
This whole thing was very unnerving - the people contacting me were calling me by my prior married name but were able to confirm w/ me that they had ALL of my personal information. It feels like such a breach of privacy. I have already put a fraud alert on my credit to take precautions because I've spent the last 13 years building a solid credit history. My daughter also filed a complaint w/ XXXX  as well as the FTC XXXX Thanks for hearing me out here and looking into all of this. Attached to this complain is the voicemail that was left for me.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have been fighting the validity of said late payments on an account from XXXX XXXX- XXXX. # XXXX As well as a late payment that XXXX XXXX reporting XXXX # XXXX I have been going back and forth without any proof coming from furnishers of this inaccurate information nor any credit reporting agency listed below ; XXXX, Equifax, XXXX. I also have an XXXX XXXX XXXX XXXX account as well as XXXX XXXX account that are furnishing inaccurate information. I do not owe a debt to either of the institutions. And have begged and pleaded for the information to be made accurate in terms of my credit report. I am still demanding that I receive PROOF that I, XXXX XXXX have in fact contracted and with these institutions and owe a debt. I am demanding that XXXX XXXX be deleted from my credit profile as well as XXXX XXXX XXXX XXXX. And that the said late payments are updated to reflect fact, and accurate reporting. I HAVE NOT MISSED ANY PAYMENTS. So, Remove any Late Payment from my credit profile immediately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

in accordance Fair Credit Reporting Act 15 USC 1681b- Permissible purpose of consumer reports. 
XX/XX/scrub>XX/XX/2024 I XXXX XXXX notify XXXX, XXXX, Equifax that are in violation of my consumer Rights. 
15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), term " credit report '' does not include- ( A ) Subject to secection 1681s-3 of this title, any ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. 
There are inaccurate ( late payments ) on my credit report XXXX {$170.00} Account number XXXX XXXX {$1100.00} Account numberXXXX XXXX {$12.00} Account number : XXXX Also without written instruction inaccurate inquiries i did not authorize nor did i consented : XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024
Consumer complaint received 2023-09-17
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THE
FT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Accounts to be deleted listed below : XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XXXX, XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2023 XXXX XXXX XXXX Inquiry Date : XX/XX/2023 XXXX
Consumer complaint received 2021-11-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I recently found out that I was apart of the Equifax data breach. I would like my credit report cleared due to fraud. I have attempted to retrieve a copy of my Equifax report but the email I received didn't have a verification code. I will have to mail to request a report since there systems are not working properly. I am contacting you now and urgently because I am receiving letters and civil summons from companies I am not familiar with. I believe these are a result of the data breach. Please clear the Equifax report. Thank you in advance for your help.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (FL)

On XX/XX/XXXX I called credit karma and told them there was a debit from my account I did not authorize. They mailed me a new card and cancelled my old one. When I got my new card I went to activate it and couldn't access my account because I have changed phone numbers. So I called credit karma and asked to change my number so I can get access to my account. They asked me to upload documents. I have uploaded my documents to them 10 times since. I have called customer service every day since. All I can get for an answer is wait for an email. They have no way of getting an answer from their verification services other than by email. Or I'm hung up on. I am not allowed to speak to a supervisor. So I have to wait. In the process of waiting I'm over {$300.00} in late fees on my rent. I have had my car insurance cancelled, I am about to have my power disconnected, and my phone service as well. Every day it is still the same answer they don't know I have to wait for an email. This is ridiculous quite frankly. I shld be able to access my money that I worked for.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I have been in constant communication with Mohela to make sure all of my PSLF-eligible payments are counted. In the course of this communication, they told me my payments for the first year after the repayment pause would be {$0.00}. I logged in one day to check my PSLF tracker ( which is still lacking 17 payments I have previously verified ) and noticed that my billed amount was now {$780.00}. I have not been able to get an answer as to why this change happened so suddenly or even if it is real. I have also not been able to get my PSLF tracker count updated to accurately reflect my payments over the years despite multiple phone calls and emails.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. ()

I am a victim of identity theft and my information was compromised in XX/XX/XXXX. This included my social security number number and my former address. Several accounts have been opened in my name that I gave no authorization to. A previous XXXX account was opened in my name with a debt that I had written and attributed to identity theft, as I have not used XXXX in years. A letter was mailed to my parents residence with my name on it dated XX/XX/XXXX, from Credit Corps Solutions, stating a debt of over {$500.00}. I am an American citizen living in XXXX, and have not used XXXX in years. I am not responsible for this debt and it was opened fraudulently.
Consumer complaint received 2020-08-28
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: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-13
Product: Credit reporting 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. (MD)

XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Back in XX/XX/2012 I co-signed a car for my ex wife. She began making late payments on the account two month later making the first day of delinquency XX/XX/2012. According to the Fair Credit reporting act the length of time that a collection account may remain on a consumer credit report is 7 years and 180 days from the 1st date of the delinquency. Therefore the account XXXX XXXX showing a balance of {$7600.00} needs to be removed. This creditor is not properly reporting all dates of delinquency preventing the delinquent report from being removed from my consumer report. Violating the 7 year Fair Credit act statue.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me 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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

See the attached support screen shots from XXXX and from myEquifax dashboards as well as previous complaint XXXX and my feedback which was done within the due date. 
I also spoke with equifax directly today to dispute because they were still report the XXXX account as XXXX with a {$0.00} XXXX in collections. It is CLOSED,!!!! I have an additional XXXX XXXX account in good standing not in collections either -do not confuse the XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting 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. (FL)

On XX/XX/2023, I bought a vehicle from XXXX of XXXX XXXX, although I didn't finance the purchase through them. I financed through XXXX XXXX. Despite this, XXXX XXXX XXXX XXXX bank conducted XXXX credit inquiries. On my credit report, the first inquiry is listed as XXXX XXXX XXXX, and the second one is attributed to XXXX XXXX XXXX XXXX  XXXX I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (NY)

Today, XX/XX/2021, I received three items in the mail, one envelope containing an unsolicited debit card from Navy Federal credit Union and the other two, with a letter each describing The Important Rights on two accounts should these accounts become delinquent under New York law. 

First of all, I never applied for these accounts with Navy Federal, not have I authorized anyone to do so on my behalf. I immediately contacted Navy Federal via phone and was told I was most likely a victim of identity theft and that I should monitor my credit and use a credit monitoring service. I was also asked for my email and mailing information in order to receive a letter from them regarding this issue. 

My main concern is having someone using my identity to illegally open bank accounts and commit fraud, destroying my credit and finances in the process. This bank is in another state from where I reside. I have not lived in Virginia nor do I intend to do so in the foreseeable future.