davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (FL)

My daughter car was repossessed in XXXX of XXXX  and which I co-signed for. Before that she had tried to work something out but never did. The next week it was repossessed. We were going to get it back but later found out they shipped the car to XXXX, Georgia after we were told that her car would remain in XXXX, Florida. She picked up a small portion of her belongings from the tow company and had so much more inside of her car. Until this day we do not know what happened to her belongings. There was a lot of value in there and nobody seem to know where what happen to her items. The car was sold and they're still requesting we pay {$13000.00}. It's not fair for us to pay that amount and on top of that they lost her items. She had several pair of shoes, XXXX, and that's just to name a few of the items she had in her car. I do not have the money to pay for this and neither does she. Even though I have a car loan with them after the fact but I still think this item need to be removed from my report. Please Help us with this situation.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : 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 Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I uploaded a letter to XXXX XXXX and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX XXXX, or Transunion does not have any files to verify these accounts, nor will they delete it.
Consumer complaint received 2020-11-25
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: CITIBANK, N.A. (FL)

I opened two disputes with Citi Bank. 

Dispute XXXX for the amount of {$670.00} was opened earlier this year and closed in XXXX. I was sent a letter and issued permanent credit. Then yesterday while checking my account balance I see a letter sent to me ( by regular mail, no email notification which I'm signed up for ), indicating Citi decided to re-open the dispute and rebill me for it. Just because they wanted. Even though the dispute had been previously closed. In the letter provided, at the end it states if I have any questions to call XXXX XXXX at XXXX and when I called, there was a pre-recorded message by her stating she won't be checking her messages. 

Dispute XXXX for the amount of {$230.00} was closed in XX/XX/XXXX, permanent credit was given and a letter was sent to me. Then on XX/XX/2020 Citi again decided to re-open the dispute after their investigation period had passed and after I was told I was right and the dispute had been closed. 

I've always had great experiences with Citi Bank and my XXXX card is my everyday card. I swear by that card and when I travel I feel safe when I have it with me. All this to say that the way in which Citi is handling this is not reflective of the great customer service and customer advocacy I'm used to. I sincerely expect Citi bank can correct this wrong.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (KS)

I am extremely dissatisfied with Pen Fed Credit Union 's customer service phone line, their loan servicing department, and their website. They sent me a vague letter on XX/XX/XXXX that was dated XXXX XXXX, XXXX. It stated : " We recently processed a change affecting your monthly mortgage payment processed through the drafting program. '' They couldn't have been more vague if they tried. So I called them to find out more details. Their customer service is non-existent. First, they only provide one phone number by which you can reach them, ( XXXX ) XXXX, between the hours of M-F XXXX XXXX   to XXXX XXXX  ET. These are the hours that most people work. I called that phone number today at XXXX XXXX  and sat on hold for 1 hour and 39 minutes. No one answered my call. No message came on to even let me know that they closed. 

Also, the Pen Fed website is very difficult to use. They refuse to provide any loan payment history beyond payments applied over the last two months. 

Because they have no physical locations in my state, I can't even go visit with them in person. If they aren't going to have physical locations that people can vist, then they at least need to offer better customer service.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

I just got a phone call today from wells fargo About the The complaint. I put in to the CFPB About put my son To be put.on my POD Pay upon death. I feel like I am being harassed. The lady call me day act like she doesn't know what I was talking about., I'm telling her exactly what's going on and she questioned me 5 and 6 times like she Don't understand. What? I am saying. like I aint got no sense of conductin my business. She telling me they have not received my application I called before and they say they received them and it would take 2 months to do this 2 months is now..She trying to argo with me and make me sound like i'm I don't know How to conduct my business
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.
Consumer complaint received 2022-09-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I opened a CD online with Citi on XX/XX/XXXX for {$5000.00}. When I tried accessing my account online which I created during CD registration/application, it has error. It's now XX/XX/XXXX. I've called Citi customer service at least 5 times on different days and they keep saying different things. I also don't know my account number because they wouldn't mail me a letter containing it until after a month.
Consumer complaint received 2024-08-29
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. (CA)

: This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX The fraudulent accounts have led to multiple erroneous hard inquiries and collections on my FICO credit report, causing me significant distress. I request the immediate removal of these fraudulent entries from all of my credit reports and demand that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws. Attached is a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, verifying that these accounts, collections, and inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one bank prepaid credit card wrongfully and incorrectly reported as due and In collection or charge off for {$3000.00}.

The original amount was {$300.00} and amount over stated with no proof of bank reconciliation statements for full varification of facts based unpon FTC guidelines. Previously filed a dispute and no proof of statement rather just frivolous comment unsupported with monthly statements.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (VA)

On XXXX NFCU issued /deposited interest into my savings account. 
On XXXX NFCU issued/deposited interest into my savings account. 
On XXXX NFCU issued/ deposited interest into my savings account. 
This interest is based on principal only. 
I have met with the branch on XXXX, XXXX, XXXX asking why are not paying interest on my total balance. If NFCU does not pay interest on my total monthly balance please show me where this is written. 
Each meeting was met with concern and stated someone would get back to me. No one ever did. I had to keep returning to the bank, each employee telling me they " handed it off '' to another employee. 
This is not a small amount of money in this savings account- it is over {$43000.00}. 
We have a much smaller savings opened almost 3 years ago and NO interest was ever paid. 
What kind of institution is this? I want an explanation or my due interest. I have quite a bit of money in this bank and i no longer trust them.
Consumer complaint received 2020-11-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2019, PORTFOLIO RECOV ASSOC add a derogatory mark on my credit report per XXXX, XXXX, XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/1995. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Each month I pay my mortgage ( on time ), with additional principal. I remit payment with two checks, one from my checking account and one from my XXXX XXXX. 

My payment due XX/XX/XXXX was ( I mailed payment XX/XX/XXXX ) {$1600.00} I paid : Personal check # 1 : {$1000.00} Personal Check # 2 : {$910.00} I specified on the remit form, as I often do, that the additional {$300.00} should be applied to the principal. I pay this way nearly every month. It has never been a problem and I check my statement carefully each month to ensure this. 

Freedom Mortgage has not cashed either of the checks I sent. My Freedom Mortgage account page shows the check for {$1000.00} listed as " suspense payment '' and does not show the second check as being received at all. I have called both banks which I wrote checks from and they have no record of them being cashed. 

I called FM on XXXX/XXXX/20. They were clueless, and promised me a call-back which I have not received.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX : {$4400.00} XXXX XXXX XXXX XXXX : {$5700.00}
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 2 credit cards with Capital One, I have credit protection which should suspend my payment for 6 months, which I just called to activate. The agents are documenting inaccurate information, I suspended my auto draft payment and money is still being removed from my account. 

I'm not being giving accurate information about my account. The agents are not notating my account properly, there could be fraudulent activity on behave of Capital One. 

I have video conversation of recent calls.
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, NCB MANAGENT SERVICES INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX   XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Revenue Recovery, LLC (TX)

I received a credit alert of a collection item placed on my credit report by Action Revenue Recovery. It stated the collection item was opened on XX/XX/XXXX and was just now reported on XX/XX/XXXX. After researching the claimed debit it was for a bill with XXXX XXXX XXXX XXXX. After searching for this doctor I found an address of XXXX XXXX XXXX XXXX XXXX TX . I know that area and there has never been on office of a radiologist or a medical office in this location. Further research on XXXX shows the registered address as XXXX XXXX XXXX XXXX XXXX TX. Now this is unusual as i don't know of anyone practicing out of an Apartment or if that is even legal.
Consumer complaint received 2019-04-12
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. (MN)

I Need to file a complaint on Experian I have asked them about 7 time to investigate accounts for me in which they failed to do I have account on my credit report that do not belong to me also i have sent in documents to them and they failure to delete these items! 
XXXX XXXX not my account Number please delete this negative info and send me a method of Physcial documents as to how this account was verified in your last invesigation! 

XXXX XXXX XXXX not my account number please delete this negative info and send me method of Physical documents as to how this account was verified I HAVE ENCLOSED PHYSICAL AND I DEMAND YOU TO DO THE SAME! 

delete ASAP
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One Travel Confirmation XXXX I purchased a ticked using miles through Capital One Travel on XX/XX/year> for a grand total of XXXX miles with free cancellation up to Monday XX/XX/year>. Had to cancel on XX/XX/year> and called to confirm a full refund of my miles. They confirmed yes. I submitted the cancellation and only had XXXX miles reimbursed. Called to inquire and they said the remaining points were for the seats I purchased at {$40.00} each way ... total of {$80.00}. Again, this was ALL purchased through Capital One Travel and they took my XXXX points. They stated they'd have to submit a letter to XXXX regarding their policy ... which is also XXXX hours. I asked that they honor their promise and give me back the remaining points, and I was told nothing could be done now and I'd have to wait to see what XXXX said at the tune of 3-5 business days. Totally unacceptable. I'm asking the you make me whole with the full refund of points back immediately.
Consumer complaint received 2019-04-12
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. (FL)

I have reviewed my credit profile and I believe following accounts are not reporting accurately. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, 1. I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records.

2. On some of the accounts listed below, I believe that you are incorrectly reporting the credit limit, current balance and the high credit amount. Please check your records and update accordingly. Please do not report incomplete information as this may harm my credit profile.

3. On the accounts listed below, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account. 

4. On the accounts listed below, accordingly to my recollection, I was not late to the extent you are reporting. Please double check your records regarding my payment history and update accordingly.