davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I contacted this company for validation of the account and debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. I have contacted Capital One on several occasions regarding the COMPLETE REMOVAL of this account. I called them, and they can't even verify me in their system. How is this account allowed to report to my credit report and negatively affect my credit and personal life when this company can't even verify that I'm an actual customer with them? To add -- I've never even considered using Capital One. I've never received a single piece of mail to my home from Capital One. This account needs to be removed IMMEDIATELY. IT IS HURTING MY PERSONAL LIFE.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

In XXXX of 2021, I found out that a former tenant had stolen my identity. I discovered this during the eviction process & after reviewing my entire credit report. There was a Discover loan account opened up in my name. I immediately notified Discovers fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Ive been in contact with several people at Discover ( XXXX, XXXX, XXXX ID # XXXX ). XXXX informed me that Discover was mailing the fraud packet to the wrong address although my address is clearly written on all my correspondence to the company. Discover continues to affirm the accounts. I do not know what more I can do aside from filing a lawsuit against the company.
Consumer complaint received 2020-05-28
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. (CA)

XXXX XXXX  Last reported XX/XX/2020 {$340.00} Reported balance XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  Last reported XX/XX/2020 {$340.00} Reported balance XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (MD)

I finished XXXX XXXX in XXXX and had Stafford loans which I consolidated probably at the end of XXXX or beginning of XXXX, so these are older loans, so I'm not sure if they are considered Federal loans anymore because I consolidated them, but they were stafford loans originally. I consolidated to lock in a 2.87 % interest rate. I began making payments, and at some point the loan service was changed to ACS Education Services. My due date was changed to the XXXX of every month. So I made electronic payments that they would get on the XXXX every month, but it took them between 5-10 business days to recognize the payments, so they considered them late. I would get phone calls typically by the XXXX of the next month, saying XXXX payment is late, and that they would contact credit bureaus if I didn't make my payment. This started probably around XXXX. The next day typically I would get an email confirming I had made the payment, but they apparently would consider the day they confirmed my payment as the date of payment. I had contacted the Virginia Attorney General 's office about this, but since I wasn't being charged late payments, and this wasn't going to affect my credit, I didn't pursue the matter, and i just started making the XXXX my payment date. However on XX/XX/XXXX, I found out from my current servicer, XXXX, that I was disqualified from a 1 % loan interest deduction which was a benefit I was elligible for, if i made 48 on time payments ( XXXX shows I was disqualified in XXXX, while ACS or Conduent ( conduent is what ACS changed its name to ) ). So I could have saved hundreds of dollars per year had I gotten that interest rate deduction. I did some research on ACS and there were lots of complaints, so much so that the Department of Education made most of ACS ' loans transferred to other servicers. I lost out on saving a lot of money, would have been thousands, because they were incompetent and didn't process my payments in a timely manner. Is there anything I can do? XXXX only has the information ACS provided, which just shows I made late payments, but it doesn't show my complaints to ACS. I can supply emails showing my complaints to ACS, complaining about how long it took them to process my payments. I've also found my email to the virginia attorney general office. I just didn't pursue this more because I didn't realize I lost out on an interest rate deduction due to ACS ' incompetence. I have also seen ACS was sued by several states over their servicing issues.
Consumer complaint received 2021-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (AR)

On XX/XX/XXXX I remitted via USPS Priority Mail check # XXXX in the amount of {$800.00} which was to cover my XX/XX/XXXX due date for the principal and interest on {$770.00} and the extra to be applied to principal reduction. Per the USPS tracking # XXXX XXXX XXXX XXXX XXXX the payment was delivered on XX/XX/XXXX. 

I have contacted Lending Club by phone and email on XX/XX/XXXX. I also contacted them again by phone on XX/XX/XXXX and I am getting the run around regarding the whereabouts and posting of my payment. I do believe this is an intentional intent to cause harm as this company is aware that this is my second to last payment owed. However, more importantly Lending Club is aware my payment must apply soon in order to avoid a negative mark on my credit report. 

Per the lady I spoke with this morning who stated her XXXX XXXX said they have the right to hold a payment for 14 days once received this is unethical as payments are to be posted when received or in accordance with the stated payment processing schedule per their website. I would like for the payment to be posted per the guidelines and for lending club to stop stealing from consumers by holding funds which generates more interest for them to collect. I am not able to request a proper pay off amount to be remitted for the date of XX/XX/XXXX due to Lending Club 's deceptive ways in handling my payment that is in their office per the post office. I have a copy of every check and postal payment receipt ever issued to Lending club starting with my first payment that was due XX/XX/XXXX! and it has never taken them this long to apply my payments once received via USPS Priority mail.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CA)

I have called twice to close my Discover credit card and it is still showing as open online and on my credit report. I closed one of my other credit card 2 days ago and it is showing as closed on my credit report right away so this makes no sense why Discover has not closed my account. 
Please close my Discover card ending in XXXX and send me written confirmation of this! 
Thank you.
Consumer complaint received 2023-03-10
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: CL Holdings LLC (OH)

Jefferson capital syst / orig creditor XXXX XXXX AMOUNT OWED - XXXX Date account opened XX/XX/2018 XXXX XXXX XXXX AMOUNT OWED- {$690.00} Dates opened XX/XX/2018 Ive asked both these debt collectors to remove this from my credit report nothing has changed Ive reached out to all 3 major credit bureaus and disputed vigorously still nothing has been done Ive sent credit letters with proof that I was incarcerated at the time of these accounts being opened, now Im being challenged to produce a police report
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

For the XXXX year in a row Equifax has requested I send in a form to receive my credit report. It states not able to provide online every year I pay postage make a copy of my ID & SSN and bill verifying my address and they dont send me my credit report. This year is no different. Please forward me my credit report which my is right per law. Thank you
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OK)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  Mattress from Sears on XX/XX/XXXX. The mattresses scheduled delivery was rescheduled several times by Sears. As I can not pay for an item I did not receive I called Sears Mastercard to inform them I had not received the mattress. They agreed I could pay for the mattress when I got the mattress. I finally received a damaged mattress on XX/XX/XXXX at XXXX XXXX. Since the mattress was damaged, I called within an hour to return the mattress. They convinced me to wait for a replacement mattress. Following several delays by Sears once again, the damaged mattress was picked up on XX/XX/XXXX at XXXX XXXX. Even after I returned the mattress I received several more harassing phone calls demanding payment. I finally received a letter from Sears Mastercard dated XX/XX/XXXX that I did not owe them anything. When I checked my credit report in XX/XX/XXXX I learned that for the month of XX/XX/XXXX and XX/XX/XXXX they had reported me as missing payments. This is incorrect as I never missed any payment.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

On XX/XX/XXXX I received my monthly statement by mail with a due date of XX/XX/XXXX. The statement received was past due the date due. I called in directly to the credit card company to inquire if there were delays due to COVID19 in their mailing process. I was told that they dont know, but could not and would not look further into the issue or refund late fees or interest that occurred due to this delay. I was transferred by request to supervisor XXXX, ID : XXXX. XXXX was aggressive and rude, rather than seeking resolution or offering assistance to further prevent this occurrence from happening in the future that I was looking for. He stated that because I choose postal mail as my method of billing its my problem, as well as because I elected in XX/XX/XXXX to waive a late fee they could not waive the fee due to their once a year policy. I have been a customer since XXXX maintaining excellent credit and paying my balance in full. I feel this decision was made purely to exploit the consumer.
Consumer complaint received 2023-03-08
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: Debt Recovery Solutions, LLC (AZ)

XXXX has FAILED to conduct a proper investigative report. 
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I asked for a copy of the investigation they claim they have conducted three times. They claim the information is accurate when in fact it is a fraudulent account. I have no account with Debt Recovery Solutions. They have opened up an account in my name. I have disputed the information and requested a verification of debt in accordance to 15 USC 1692 G. Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt. 

In all Debt Recovery Solutions is attemptting to collect an alleged debt out of compliance with the fair credit reporting act. they have not suppiled a statement, verification of a debt owed or a notice to dispute within 30days. 
XXXX is falsely reporting inaccurate information and lying about having done a proper investigation. I have requested the details of the investigation on XX/XX/2023 and the customer service rep hung up on me when i escalated the situation to the manager.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

In XXXX I purchase a cruise reservation with XXXX XXXX XXXX for a total of {$11000.00} ( see statements and account summary from XXXX to XX/XX/XXXX ). Some time later I received communication from them that they are postponing the cruise due to Covid and they rescheduled it. As the next cruise approached in XXXX I received another call that they would have to cancel that cruise as well. This time I asked for a I asked for a refund and XXXX XXXX was very helpful ( see letter from XXXX XXXX chief marketing office ). In XXXX of XXXX they refunded my {$11000.00} to my Citi XXXX XXXX card. Please see statement attached, On XX/XX/XXXX of XXXX the {$11000.00} showed up on my Citi Visa card as a credit ( see statement cardholder summary from Citi ). 
I called Citi and asked that the {$11000.00} credit be placed back in my personal checking account. They agreed and said it would take three to five days. I've waited and it has not shown up. I called again this morning and was transferred several times. Finally it was escalated to a woman named XXXX team XXXX fl. She gave me a different story. First she said it takes longer than that. When I asked why she said they were waiting on the refund department conditions? She didn't know what conditions. She became rude and said I'd just have to keep calling back. I asked for her contact information. She said she doesn't have a phone. She said she doesn't have an email. She put it back on me to find the exact dates of the payments to XXXX. After we hung up I pulled up my records and found the dates. I called back and got someone named XXXX. We asked for XXXX. He couldn't transfer us. We told him we had the information XXXX wanted. He didn't want to take it. He said the dates have nothing to do with it? They had so many excuses it didn't make sense. He said they are waiting for refund department. I asked to speak to the department that does refunds. He said no. They don't have a phone. I'm sure this is happening to thousands of people trying to get their refunds. During this difficult time we can't afford this cruise money to not be refunded.
Consumer complaint received 2019-06-19
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. (OK)

I've provided enough information for these Equifax to conduct a thorough investigation. XXXX XXXX XXXX that is reporting inaccurate on my credit report since XX/XX/2018 and Equifax are refuse to delete the accounts. I already received letter from XXXX XXXX XXXX that debt was delete from my records, XXXX  and XXXX  has already removed the collection from my file.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (TX)

First Advantage Consumer Center has submitted misinformation to XXXX that might cost me my job. This company is requesting w2s from XXXX and I can not gain access to them. 
My IRS file goes back to XXXX. These are addresses phone numbers and employment history that belong to the thief.. The outdated information was removed months ago from my credit reports since they resulted from identity theft. This may have cost me the job I had applied for. I will press charges against this company if this costs me my job.
Consumer complaint received 2023-03-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NC)

My mother and I as co-owners were in the process of refinancing my mortgage with Freedom Mortgage and was told to provide an upfront fee. I was encouraged to use my credit cards because the refinance was going to be used to pay of the credit cards. 
This upfront fee was to lock in my interest rate of 60 days. 
I decided not to continue with the refinance and was told that this fee was non-refundable. Is this legal in North Carolina? 
I really would like to get this fee refunded since I did not go forward with the refinance. 
Because that almost XXXX in credit card debt that I'm trying to pay off for services that I did not agree to go forward with.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX is currently under legal litigation. XXXX is required to forgive the remaining balance on loans. XXXX will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, XXXX knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. XXXX needs to remove their collection from my XXXX  and Equifax credit report.
Consumer complaint received 2020-05-28
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (TX)

On XX/XX/2020 I sent a letter to LexisNexis disputing the accuracy of the reporting of a public record. Instead of responding with a result of their investigation, they simply sent a letter talking about an investigation with XXXX, XXXX and XXXX. They are ignoring my demand for an investigation of the facts and reporting of this public record.
Consumer complaint received 2019-06-19
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. (GA)

XXXX XXXX has been paid in full and Equifax has the acct status showing as negative in red, paid charge off and has a recent date so it looks like the debt was recently charged off ... The acct status before I submitted a dispute was previously showing paid charge off ...
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (LA)

I have a credit card with CITI. CITI decided to convert the card months ago from a VISA to a Mastercard. I just found out that the conversion is still not complete and that they have been showing a balance on the account as twice the actual balance - as if the old card and the new converted card both hold my balance. This has negatively affected my ability to get additional credit from another company. I discussed this with CITI twice and they have confirmed that my balance on my credit score shows up as twice the actual balance and will continue to show up that way until they finish the card conversion I never requested. If this is affecting me, just think of the number of unknowing customers this is affecting. I am in the process of trying to move my balance off of a CITI account and close the account, but I can not make this happen immediately. Help. I have no idea how to stop this mismanagement of my information.