davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I upgraded my capital platinum card to venture one card and they told me that they will send me a new card 5to7 business day which i have never received that card. when i was checking my account online i saw 3 charges made on my acct. it was XXXX XXXX cash advance and wall mart the amount was {$380.00} for both cash advances and {$720.00} XXXX for wall mart. I called the credit card company and told them that those charges was not mine. and they give me credit the same date which was XXXX XXXX and after on XX/XX/XXXX th they charge my account with the same charges and told me that either me or someone in my household did those charges. i wanted to reopen the dispute and they refused. I was told that i have to pay the charges on my account. please help me to resolve that issue
Consumer complaint received 2019-06-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed bankruptcies with TransUnion complaint # XXXX XX/XX/2018. I requested credit bureau provide proof of who verified bankruptcies they were reporting. TransUnion stated US Bankruptcy court verified bankruptcies. I provided a letter from XXXX District of Florida Bankruptcy Court stating they dont report to credit bureaus. So I never received proof I requested, and the response that was given was past 30 days.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OH)

I believe this is a XXXX  error becuase I dont believe that all credit cards companies on my XXXX  report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX  and XXXX  has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX  said this was done by all 3 credit card companies. I believe this is XXXX  error because XXXX reported an updated balance of XXXX  balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and US Bank on the same day. Apologize for XXXX  error but credit card companies can you please retify this with XXXX  this outdated info from XX/XX/XXXX that XXXX  placed back on my report after your company reported the update XXXX  balance XX/XX/XXXX. 


XXXX reported a XXXX  balance XX/XX/XXXX then today XXXX  is the only credit bureau reporting old balances today from XX/XX/XXXX on all 3 of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. 

XXXX  for all credit cards reported to XXXX  XX/XX/XXXX. Why is XXXX  reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX  balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. 

As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been chanege back to old outdated info of this error causing non approval on a house
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (FL)

During the purchase of my daughters vehicle XX/XX/XXXX we purchased an extended warranty for {$1500.00}. We believed that the warranty would protect her for an additional XXXX miles over the manufacturer warranty of XXXX or until 84 months which ever occurred first. Upon reviewing the documents in more detail we realized there must be an error on the paperwork as the vehicle would only be covered to XXXX miles giving us only XXXX additional miles over the original manufacturer warranty. We never used the warranty not even once. The vehicle is now according to the paperwork out of warranty. We feel that there had to be an error as it would have been an extraordinary large sum of money to pay {$1500.00} to only gain XXXX miles of coverage. As a point of reference I purchased an extended warranty on my XXXX XXXX  on a separate policy when I was at close to XXXX miles and gained XXXX miles of coverage on that plan. It does not make sense that we would not have gained coverage on the XXXX XXXX to XXXX miles or 84 months. I called the dealership and spoke with XXXX in finance, He stated there was nothing he could do at this point as the vehicle warranty is expired. He apologized for any past misrepresentations and stated that they are more transparent with their clients now. I feel like we were definitely taken advantage of if this was in fact intentional and not a mistake. We signed so many documents during the sale and the officer doing the paperwork was  very convincing. We trusted him. We are very disappointed at this time.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

Date of complaint for 2 half weeks now I've been purposely bringing this account to a XXXX usage balance to show and prove to citi bank that they are processing payments and not applying them to the proper categories. Ie cash advances is a higher apr and they are not applying the payments correctly, all employees agreed and confirmed interest and minimum payment due was already met before additional payments. In fact, 4 citi bank employees in writing said they would apply payments as they see fit and that their is no such law stating that higher apr accounts shall be applied 1st after the min payment was concluded. Furthermore I am not currently on hold with another nasty representative that told me after waiting on the phone for 5 hours and speaking with the account specialist XXXX check our recorded call he said 20 Mina to fix this issue now they are telling me 48 hours because payments are not posted? Bs see attached. Cfpb this is another example of a rogue credit institution applying payments as they see fit, & I have a Nile river of chat history requesting repeatedly to exhausting breaths that I want my ADDITIONAL PAYMENTS POSTED TO MY HIGHEST APRS* THEY HAVE ABSOLUTELY NO REGARD for the consumer well being on the contrary, only in making money. Another example XX/XX/XXXX an representative told me that they were reimbursing me for 2 days worth or fees due to the horrific customer service I always go through. After being told by another representative that he didn't give a crap what online chat said he wasn't going to credit the account it took me another 2 hours face book postings on their public site to finally get a supervisor to credit the account & get This she only did it for one day VS the 2 I was told I'd be receiving. This company is dangerous and an absolute failure in the professional standards of practice in my opinion and should be held accountable and investigated if wrong doing is found. Absolutely the worst financial company experience I've ever tasted I'm shocked they hold licenses.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Remex, Inc. (NJ)

Date : XX/XX/2022 Amount : XXXX $ I am doing complaint against my XXXX XXXX Delinquency REMEX INC has someone else information not belongs to me like address and date of Birth just spoke to customer service on phone ( XXXX ) XXXX,, Dispute ref # XXXX Remex Inc XXXX XXXX XXXX, XXXX, NJ XXXX So, please resolve my issue Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Cell # XXXX email : XXXX, XXXX XXXX
Consumer complaint received 2021-09-14
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: MoneyLion Inc. (PA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MONEYLION INC. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off, collections, and late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-03-05
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. (PA)

I have a police report XX/XX/XXXX, XXXX  and Equifax is reporting a fraudulent account by XXXX XXXX  XXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my identity, Fraud account
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. XXXX XXXX XXXX has change the original date, loan amount and account number with Experian, XXXX, and XXXX. XXXX XXXX may have sold or sharing the account with XXXX. I believe this is against the law under fair credit report act.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (TX)

I have a prepaid debit, Bluebird card, with American Express. On Thursday, XX/XX/XXXX American Express locked my funds, turned off their website on my computer, and turned off their app on my smartphone. I have repeatedly called their customer service number XXXX XXXX XXXX XXXX. I have repeatedly been told American Express has deemed me a perpetrator of a fraud and locked me out from my money. I really don't use the card all that much, and have CERTAINLY NEVER used it in a fraud attempt. American Express will not tell me what fraud it is they think I have committed, nor will they tell me when I will be able to get to my money. I do appreciate we are only talking about XXXX XXXX dollars, but I really resent their " steam roller '' attitude toward me. I also don't want American Express to treat others they way I have been treated. Please do what you can. I appreciate it. Stay Safe! XXXX XXXX Bluebird card number XXXX XXXX XXXX XXXX ) XXXX XXXX. 

American Express wrote CFPB back on XX/XX/XXXX the following : CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). We unlocked your account. 

This response is a total and complete lie! I am sitting here on Friday, XX/XX/XXXX. The card DOES NOT work, the website DOES NOT work, and the app on my phone DOES NOT work! 

Does American Express routinely lie to the CFPB? Are there any repercussions for American Express lying to the CFPB? Is there any other agency out there American Express is accountable to? 

I do appreciate we are only talking about XXXX XXXX dollars, but I really resent their " steam roller '' attitude toward me. I also don't want American Express to treat others they way I have been treated. Please do what you can. I appreciate it. Stay Safe! XXXX XXXX Bluebird card number XXXX XXXX XXXX XXXX ) XXXX XXXX.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

XXXX sold my debt to AFNI. I asked Afni to pay to delete and they said XXXX would have to. I asked XXXX and got thee ok. Did the payment through AFNI like advised. They will not update credit report. I paid off debt on XX/XX/XXXX in full on XX/XX/2020. I had asked about a pay to delete and asked for it in writing, have not received, i asked then to update the balance on the credit report, and instead of charge off a t least to report it as paid. They have kept it the same with the old balance. I disputed through XXXX  and it still remains as is even though I provided proof.
Consumer complaint received 2020-06-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (KY)

When I attempted to turn the vehicle in at the local XXXX XXXX at the end of the lease, I was told that I needed to make an appointment to have the vehicle inspected before surrendering the vehicle. I made several appointments and missed time at work showing up to appointments and told that the inspector was not there. A few months after I turned the vehicle in and told the dealership, I could not afford to keep taking off work for this. They did not inspect the vehicle until a few days later. I was charged for additional lease payments that I did not incur due to several inspection appointments that GM Financial missed. When I surrendered the vehicle I asked for paperwork that I dropped it off and the condition and was told that their computer system was down.
Consumer complaint received 2020-06-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC (IL)

Troy Capital , LLC purchased an old auto loan debt in XXXX. Troy Capital , LLC never reported the said debt to any of the credit bureaus and made no attempt to contact me or collect the date prior to filing a lawsuit in small claims court. I was properly served paperwork around XX/XX/XXXX. As far as I can tell, filing a lawsuit without reasonably attempting to collect the debt is a violation of FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Section. 809 ( d ) The original court date, XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX, was rescheduled for XX/XX/XXXX. It was filed XX/XX/XXXX and sent through USPS. It did not arrive at my house until about two weeks AFTER the court date. 
I then received another letter through USPS that a NOTICE OF MOTION has been filed for XX/XX/XXXX at XXXX to enter default judgement against me ( the defendant. ) I attempted to contact Troy Capital , LLC and they referred me to their attorney at XXXX XXXX. I explained my situation and offered $ 100 monthly payments starting immediately to which they countered $ 150 monthly payments. I have since contacted an attorney to further pursue these matters.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

We have proof of all payments being sent on time from our Bank. Each mortgage statement sent to us reflects the payments being made. We reached out to them requesting a mortgage pay off statement and that is when they advised us they had not received two payments and there are late fees accrueing. Kindly see all attached documents proving all payments made on time since our mortgage was sold to this company. They are refusing to resolve the matter with us directly.
Consumer complaint received 2023-06-30
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. (NC)

After going through my updated Credit Report which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that that my Credit File still reported the fraudulent accounts and information on my Credit File. The disputed items remained on my Credit Report end yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent accounts the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA section 605b, any and all fraudulent accounts must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these accounts for 4 months already and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand to the Credit Reporting Agencies to remove the disputed accounts off of my Credit File as soon as possible : 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 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 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 XXXX. Not only that the Credit Bureaus did not send me a copy of my updated Credit Report, they have not sent any documenst supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Consumer complaint received 2023-06-30
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} 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 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (FL)

A letter of Intent to collect a debt was sent to me from : UNIFIN, Inc. 
( XXXX ) XXXX E-MAIL : XXXX Unifin REFERENCE # XXXX, Debt. Description : XXXX XXXX " Original Acct. # XXXX '' " Original Creditor XXXX   XXXX  '' " Current Creditor : XXXX XXXX XXXX XXXX '' `` XXXX XXXX Ref Number : XXXX '' " Amount Due : {$880.00} '' " Proposed Discount Offer {$440.00} or 3 monthly payments of {$190.00} '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Since my first Wireless phone service, back in XXXX, until today, my PROVIDER has been XXXX and NOBODY else ever.
Consumer complaint received 2020-06-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX  closed my credit card account ending on XX/XX/2019 with a balance of {$420.00}. I made monthly payments towards the final balance of $ XXXX/mo. The company then sold the debt to Resurgent Capital now with double the actual amount I owed at the time of forced closure of my account.