davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a customer of Capital One for over 15 years. A few years ago I signed up for account alerts to help better manage my checking account. The service provided was great because capital one would send me alerts letting me know when my balance was low and allowed me the opportunity to replenish my account before getting charged overdraft fees. Recently my account became overdrawn and I called to inquire when I was not sent an alert. The representative informed me that capital one no longer provides this service. They discontinued the service without notifying me and my accounts became negative. I requested to close my accounts and asked for time to notify all of the companies I have set up on autopay. During that time I was charged overdraft fees because the changes took time to go into effect. I requested a stop on all electronic payments until I could close the account but I was charged a few more times. I am requesting all fees be reversed and to close my account. Thank you.
Consumer complaint received 2021-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My Credit score with Transunion, LLC decreased by 35 points between XXXX, XXXX and XX/XX/XXXX. I have tried on 2 occasions to get an explanation by phone as to why it decreased and how I can improve it. Both times I was unsuccessful as the first person had no explanation and the second person said the only issue that he could see was that my balances were too low on my 2 credit cards. In response, I asked the question if I should in increase my credit card debt and he responded that they do not give advice and that i should speak to credit score advisor which he could or would not provide.

As these Credit companies control our financial destinies as it relates to the interest rates we are charged on loans, the cost of automotive and homeowners insurances and array of additional financial tools, etc, they should be held accountable as to how they handle their algorithyms. There is something very wrong with the way these credit scoring companies ( Trans, XXXX, XXXX ) are allowed to operate.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

I noticed an account on my credit report listed in collections by XXXX XXXX XXXX for {$1400.00} that I did not recognize. I mailed a certified letter to XXXX delivered on XX/XX/XXXX formally disputing this claim and requesting they provide me with proper validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

They sent a response dated XX/XX/XXXX stating that the debt was verified, the debt was subject to resumption of collection efforts and updated their remark on my credit report as " Account information disputed by consumer, meets FCRA requirements ''. All that was included with this letter was XXXX generic monthly summary for XXXX with only my name and mailing information in the account information section of the notice. 

I sent a second certified letter dated XX/XX/XXXX stating that the generic monthly statement summary they sent me does not constitute viable evidence showing this account is being reported accurately. I do not recognize this debt and they have failed to provide me with evidence of any legally binding contractual obligation that I owe them the alleged amount. In response, XXXX sent me the exact same letter they sent the first time, only the date was changed to XX/XX/XXXX. With that letter they included 12 generic monthly statement summaries like the first one dated from XX/XX/XXXX to XX/XX/XXXX with only my name and mailing information in the account information section of the notices. 

The next thing I know I'm being served a summons for a pre-trial hearing. When I attended via XXXX  on XX/XX/XXXX I met with an attorney representing XXXX that told me that XXXX did not have my signature on any documents but that the monthly statements that were provided to me were sufficient evidence and that they were suing me for the full balance owed and attorney costs. I now have a trial date set for XX/XX/XXXX. 

I do not recognize this debt, XXXX never verified the debt, it was reported as if it was verified to the credit bureaus and their only response to my requests for more information was to sue me.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

I have 2 collections reporting on my credit from National Credit Systems that are not mine and are a result of identity theft. I have tried in good faith to address this with them directly. I sent in the required identity theft affidavit along with supporting documentation. After a 30 day investigation, collection items remain on my credit report. National Credit Systems sent a copy of the lease. Its obvious its not my signature not correct middle name in the copy of the lease provided. I would like these collection items to be removed from my credit files.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (NY)

Cavalry Portfolio is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting despite a few things. This debt was never validated to me nor did I ever receive a 30 day right to dispute notice. Secondly, the debt is past the statute of limitations in Idaho and past the credit reporting limit. This is a violation under the FCRA and it must be removed.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I received a Bank of America debit Visa card and I do not have any account at Bank of America. I called to inquire why this card was mailed to me. The number I called wasXXXX. I was told to contact XXXX XXXX XXXX XXXX XXXX. The representative said she had no phone number and I should search the internet for a number. I want to know why Bank of America sent a prepaid debit card to me that I never requested. And I would like to ensure this does not happen again. I also have a freeze on my credit so I do not understand how this card was approved to send to me. 
Thanking you in advance for your assistance in this matter.
Consumer complaint received 2022-04-05
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. (MI)

To Whom It May Concern, This complaint is to inform you that as of XX/XX/2022 there have been 20 Consumer Report inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. I, as a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and Transunion has violated my right by allowing these transactions to happen. 

The following inquiries/transactions need to be removed from my consumer report upon receipt pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) : 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 Pursuant to 15 USC 1681b ( a ) ( 2 ), consider this as my written instruction.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (GA)

I purchased a vehicle at a dealership who financed for XXXX XXXX XXXX XXXX. When I purchased the vehicle the engine light was on the dealership gave me an IOU BILL to fix tbe vehicle when I returned, the dealership had " GONE OUT OF BUSINESS ''. In the state of Georgia your vehicle must past emmissions in order to purchase a license plate It is also illegal to sell a vehicle with engine light illuminated. After notifying credit acceptance i filed several disputes with pnc on XX/XX/2018. I was given a provisional credit for each dispute one totaled {$500.00}, {$250.00}, {$270.00} and {$350.00}. On XX/XX/2018 three months later PNC DEDUCTED THE PROVISIONAL CREDITS FROM MY ACCOUNT. I immediately called PNC bank and was told there was nothing I could do about it because time had expired..I reached out to credit acceptance and was told that the money went back to PNC on XX/XX/2018 and they gave me reference numbers for the disputes. I have called Pnc bank 21 times, went to 2 PNC Branches and sent 15 text messages. On XX/XX/2018 I tried again to get some answers from PNC I received a response from XXXX XXXX on the Pnc message center website which she states that they didnt rule in my favor because the questionnaire was returned to Pnc due to incorrect address ... that is unacceptable!! If they took the time to open the letter which they did, they knew I needed that document why didnt someone call me, email me?? my contact information didnt change. That is withholding and deceptive and I believe PNC done that intentionally. Pnc knew that the dispute process couldn't be complete without that document. I never got a fair chance!! On XX/XX/2018 I got a call from XXXX XXXX from PNC who said after reviewing my account that PNC had made several errors while entering the disputes and that he would get back with me that afternoon. ( He never called back ) the next day XX/XX/2018 XXXX XXXX from PNC ESCALATION DEPT called me to inform me that I would be receiving a call from His Manager TODAY and his name was XXXX. ( He never called ) THIS IS NOT  ACCEPTABLE - AND I HAVE BEEN MORE THAN PATIENT.. PLEASE TELL ME WHERE MY MONEY IS ... ..
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (CT)

DISPUTE CODE - 103 My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, XXXX and Equifax credit bureaus. I would like this account deleted from my credit report profile. 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 handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across XXXX, Equifax and XXXX credit bureaus. I would like this account to be removed from my credit report profile. 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 handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-01-04
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. (TX)

I have reached out to both XXXX and the Collection agency Named XXXX XXXX XXXX regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as experian is reporting a date of last activity as XX/XX/XXXX while XXXX is reporting a date of last activity as XX/XX/XXXX. In the payment history, Experian continues to report this account as a charged off account, while XXXX is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC (CT)

I have disputed multiple late payments on my XXXX  account and I have no received any notice of a investigation or notice of how this information was verified XXXX has violated my consumer rights repeatedly and has not responded to my multiple investigation attempts 15 U.S. Code 1666 - Correction of billing errors!!!!!! 

a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor I have stated numerous consumer violations XXXX has violated it this matter not resolved will have to take civil action be advised a second party owns my current Debts that are closed so information on my report has not be validated
Consumer complaint received 2019-10-29
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. (FL)

The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (AZ)

I had fraud on my credit card for {$80.00} on XX/XX/2022. I called Barclays in XXXX to report the fraud. Charges were never refunded. I called again in XXXX and spoke with fraud department and was promised they were investigating. Still nothing was refunded. I called the fraud department again in XXXX and asked to get a call back from a manager and never received a call back and still have not been refunded the amount.

Every time I have called to speak to someone I have to explain what happened as if they have no record or notes on my account. They also question me because I ended up paying the {$80.00} so it would not go against my credit. 

This issue happened when XXXX transferred their credit system to Barclays and distributed new credit cards. When they sent out new cards I never received mine and never even activated it and then got a bill for a purchase made.
Consumer complaint received 2021-01-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (OH)

On Friday the XXXX, I called Ally Financial to get a payoff quote for our van, which was around {$5700.00}. I told them the check would be in the mail the next day & it was sent out by certified mail on Saturday the XXXX so that I could track it and it would have to be signed for. On Monday the XXXX, Ally Financial issued a repo order. My payment was received on Wednesday the XXXX and entered into their system the same day, which I have confirmation of. The van was repossessed on Friday the XXXX without notice from either Ally Financial or the repo company called XXXX XXXX. I only learned about the repo because I woke up Friday morning to find the van missing and I called the police to report it stolen. Multiple employees at Ally Financial claimed the payment I made never existed despite tracking number confirmation of it's receipt and the tracking on the slip that had to be signed upon it's receipt. Ally Financial had my wife wire them {$5000.00} from XXXX XXXX on Friday the XXXX & another {$1100.00} on Saturday the XXXX, and when I called on Saturday to confirm they had received the second payment I was told they had begun processing the check they had been claiming they had never received. I was also told they started processing the check after receiving the {$5000.00} payment, but the person I was talking to said it made no sense since it was started after everyone was supposed to have left. In other words, someone or a group of people was trying to turn a less than {$6000.00} payoff into one around {$12000.00} while claiming the original payment was never made.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NC)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX  XXXX XXXX Also Known As : XXXX XXXX XXXX
Consumer complaint received 2019-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MI)

Every year I pay an additional amount on my two student loans to Discover Student Loans and every time they mishandle it and I have to resolve the problem myself each time. Most recently I attempted to pay off my loan on XX/XX/XXXX and payment was posted and processed and the over {$8000.00} payment I posted and recieved confirmation was then changed to the minimum charge which was just over {$100.00}. They now are attempting to continue to charge interest on the full amount.
Consumer complaint received 2022-01-04
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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/XXXX a vehicle that was financed through Honda Financial Services was in an accident that caused some damage and later considered " Totaled ' from the adjustors perspective. During this time I worked with Honda Financial numerous times to understand how to either pay for damages or value of vehicle to repair and use or attain funds to get another form of transportation. At this time I called Honda Financial Services to discuss delaying payment options until I could formulate an action with the insurance company to cover the remaining amount owed. From this Honda Financial Services refused to work with me and on XX/XX/2022 impacted my credit score by XXXX points. 

VIN # XXXX ACCOUNT # XXXX Attached is the vehicle and account to reference but I would like this credit impact to be removed and for the bank to work with me while I attain funds from the insurance company to cover the remaining amount owed. 

Honda Financial Services ( XXXX ) XXXX or ( XXXX ) XXXX is contact numbers. 

Sincerely, XXXX XXXX