davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XX/XX/2022 at XXXX. i called Capital one auto finance to go over my account status. I was going through financial troubles and had just landed a job. my account would have been late. i called to see if there was something that could help me out in this situation. After a 23 minute conversation with a gentlemen. he advised me that He would put me on a payment plan that would merge a few of my payments and implement a payment plan where it would allow me to catch up, as i was waiting for my first pay check. the payments would begin with a due date of the XXXX  of each month, starting on XX/XX/XXXX with payments of {$600.00}, as opposed to the normal {$450.00}, till i am caught up and then resume its normal due date. I asked the gentleman if this payment plan would avoid me being from 30 days late, since my normal payments would be due on the XXXX of each month. He specifically told me i would NOT be 30 days late given that i am going into this new payment plan. If i am accidentally reported late, i can dispute it and the late would be removed. the gentlemen, while i was on the phone, emailed me the dispute resolution process. with this information, i accepted the payment plan terms and set up auto pay to avoid hassles and it was a requirement of this new payment plan. i was reported late regardless, i attempted to have the company resolve and help me remove this late due to the unfortunate miscommunication, to no avail.
Consumer complaint received 2023-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX I responded to email message in payapal, stating I had received an overpayment of {$1500.00} by mistake into my linked credit union checking account, to call phone # in message. Calling # provided, I thought I was talking to paypal, who directed me to view my checking account, which showed a " pending deposit '' of {$1500.00}, and that I had to immediately repay the amount to them, or it would become a police matter against me. Person on phone directed me to buy XXXX {$500.00} XXXX gift cards at local drug store and transmit phone picture of same to them. I did so, under threat, went home and found " pending deposit '' of {$1500.00} to my credit union checking account had disappeared, and was never deposited. I then at last realized I had sent gift card money to a scammer and hung up. I was later able to retrieve {$500.00} from XXXX of the XXXX gift cards that was not cashed in by the scammers. I made a police report to my local police, filed an on line FBI police complaint and filed a fraud claim with my credit union, which was later denied. I emailed paypal several times, on XX/XX/XXXX and then sent them all documents on XX/XX/XXXX to customer service, showing I was scammed of {$1000.00} because of their negligence and failure to protect me from scam using paypal, but they denied they had any responsibility to make my money loss whole.
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT WHEN IT HAS NO AUTHORITY TO DO SO, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT IT COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-31
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. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. ACCOUNT NUMBER:XXXX  XXXX XXXX XXXX  ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. ACCOUNT NUMBER:XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. THEY ARE PUTTING ACCOUNT ON MY PROFILE THATS NOT MINE PLEASE REMOVE THEM
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (CT)

I have been a grain technology customer for two years and have never had an issue. My account was always on autopay and then my account was disconnected from Grain without notice and I logged into make a manual payment in XXXX of 2023. In XXXX or 2023 I received an email stating that my payment due was XXXX cents ( meaning no payment due ). I didnt make a payment because it said I didnt need to make one, I turned on autopay again and then once again it disconnected. I messaged customer service on XX/XX/XXXX when I realized my payment didnt go through and that my account wasnt updated again. I received a 1 day late payment notification that same day as well, once customer service assisted me on XX/XX/XXXX I logged in and made double the payment. I just got notification that grain has reported my account as 30 days late with a payment being late in XXXX. I attempted to reach out to customer service to make the payment once I realized my account disconnected again and didnt update properly. I am not sure how I am being reported as 30 days late in XXXX when just two weeks ago I received a one day late notification. Grain is having multiple issues with account information, many users are having the same issue as me and have wrote all over social media and XXXX. I reached out to grain and they didnt even acknowledge my email about having my late payment removed from my credit report. Their customer service is very slow and there is no way to contact anyone on a phone. My husband and I are about to lose a mortgage on a house we are buying due to grain and their inaccuracy with their emails, issues with bank account connection information on their app and lack of customer service. Also, when I initially signed up for grain my credit agreement said there would be no annual fee, now all of a sudden they charged a {$65.00} annual fee to customers without warning, which seems to be a breach of the contract and agreement terms I originally entered. Please help
Consumer complaint received 2021-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX- I am not satisfied that you have efficiently fulfilled the policies of the Fair Credit Reporting Act in doing your investigation. Please re-investigate the information or eliminate this account. 
CAPITAL ONE XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
CAPITAL ONE XXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NJ)

To whom it may concern, I'm a XXXX XXXX XXXX XXXX who had a SunTrust account for over 10 years, opened in Florida. I was notified on XX/XX/XXXX that SunTrust was now Truist. And at that time I split my time between the XXXX and my daughter 's residence in XXXX, XXXX XXXX and would have all my statements mailed to me in the XXXX. 

Since being forced to join Truist, I have had nothing but headache. In order to set up in the app, I had to use my daughters address and it did not recognize my XXXX postal code. I was able to deposit funds however in XX/XX/XXXX I attempted a XXXX payment. After servers attempts in the app and several calls to customer service, I was ensured that this withdrawal had gone through. However after attempting to access my account online, I see that I am now blocked, the XXXX payment did not go through and I soon received a letter ( to my XXXX address ) notifying me that my account has no been closed and I will receive a cheque within 10 business days. It is now XX/XX/XXXX and I have called this bank over 18 times as I have yet to receive the balance of my account. No department can help me. I have been reconnected and transferred from department to department. I have screen shots of 4 hour wait times. And to no solution. I've had " supervisors '' quote me my account number, when they are suppose dot be quoting me yet another number to try to " solve the issue '' and no department seems to be able to take responsibility for my account. 

My wish, my prayer and my hope is to never have to contact this bank that I was forced to be with again. I would just like my hard earned money returned to me. My last call with customer services was XX/XX/XXXX to XXXX where I spoke to XXXX. 


Truist is not a bank. Truist does not care about it's customers. They are thieves, and they treat people 's money and time with no regard. Please help.
Consumer complaint received 2020-07-08
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX  debtor  purchased an account and did not provide opportunity to validate. Did not provide any details as to how they obtained debt chain of title. Products received from XXXX are disputed and they are alleged to be Defective product. I have been willing to make arrangement to return defective product products. The debt buyer owns my debt, it generally must prove how it came to acquire it. The sale of a debt from one creditor to another is memorialized through an assignment in which the original creditor assigns ownership ( and the right to collect the debt ) to a new creditor. To be valid, the assignment must sufficiently identify your particular debt. 

Often, debts are sold and resold over and over again to a number of subsequent debt buyers.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/year> I sent Equifax and XXXX and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on. I have asked that they provide me with the requested info on how they verify such info
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (IL)

THIS IS NOT A DUPLICATE COMPLAINT. This complaint is sending due to the new evidence. Experian credit Bureau is violated the law of FCRA and my rights. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
Besides Experian is reporting incorrect information on the account XXXX XXXX XXXX- the payment history of this account is incorrect from XX/XX/XXXX to XX/XX/XXXX. None of the payment was missed. 
Please remove incorrect information from my report immediately.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I purchased a free trial with Experian credit works and unable to look at my recent credit score with other two bureaus and Im getting error messages while refreshing a credit score and Im unable to get that score and Experian needs to fix the error
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One BillPayer failed to deliver two property tax payments by the promised date that were intended to go to my local government. 

In early XX/XX/XXXX I configured two property tax payments for two properties I am responsible for. These were scheduled using the Capital One BillPayer system which specifies a " send on '' and " deliver by '' date. Both were due to be delivered well before the due date of XX/XX/XXXX. XXXX XXXX reported both as a week late and charged me a late fee for both - {$59.00} for one, {$49.00} for the other. 

I filed a claim online with Capital One and after several weeks of back and forth they said they sent the payments when promised but they are not responsible for delivering them by the date promised nor could they tell me when they were actually delivered. I also went into the local XXXX, Maryland branch and was promised an investigation that would reveal the actual delivery date but after two weeks can not contact the Branch manager who was supposedly working on this for me. 

Attaching the BillPayer records indicating two payments were promised to be delivered before XX/XX/XXXX but they do also show the payments were processed in XX/XX/XXXX. 

There is a chance XXXX XXXX got the payments on or before XX/XX/XXXX but I have no way to prove that other than the Capital One BillPayer system saying they would deliver these payments before then. So I was charged and paid two late fees for something that I should not be responsible for. And Capital One is basically ignoring me. 

Your assistance will be greatly appreciated.
Consumer complaint received 2021-06-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (MI)

Key 2 Recovery is attempting to collect on a debt that is invalid. I received a XXXX XXXX XXXX and they are collecting for a debt with XXXX XXXX XXXX. Yet when I called the Federal Student Aid phone number provided by an employee of XXXX, XXXX says there is no record of me in there system at all.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (TX)

XX/XX/2022, my wallet was stolen in the area of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, at approximately XXXX XXXX XXXX XXXX XXXX, I realized the wallet was missing and began calling PNC and other credit card companies. At the time, PNC was my bank and I had XXXX active debit card for XXXX account at the bank. By XXXX, PNC had already allowed a purchase for {$980.00} at XXXX XXXX, despite the thief not having my PIN number. I immediately disputed the charge and provided a XXXX Police Department report number to PNC regarding the theft of the wallet. It took XXXX days, but PNC reimbursed me for the {$980.00}. The debit card was cancelled immediately on XX/XX/2022 and another was issued. I received and activated the new debit card on about XX/XX/2022. 
On XX/XX/2022, an unknown and unauthorized person went to a PNC bank branch in XXXX and apparently presented my stolen identification. Despite the fact that the user did not possess my account number, PNC bank provided the account information to them and allowed them to withdraw {$1900.00}. On XX/XX/2022, I noticed the transaction and immediately reported it to PNC Bank. I filed another police report and worked with the XXXX Police Department who went to the bank branch to obtain video footage of the criminal. But, the detective learned that PNC bank provided this {$1900.00} to a person who was in the drive-through of the bank and there were no video cameras in XXXX XXXX through. I called PNC every day for XXXX days, and I personally went to the bank branch on XXXX XXXX where I was shown a copy of the withdrawal slip with my forged signature. The account number was on the withdrawal slip ; therefore, the teller had to have provided that information to the criminal. 

I was told it would take no less than 60 days to receive a refund of the stolen money. I called PNC twice more and then visited the PNC Bank on XXXX XXXX where the matter was escalated. At the time, I was told it would take 120 days to receive a refund of the money that was stolen. I offered any assistance to the investigation, but no investigator from PNC has contacted me to date. 

On XX/XX/2022, a PNC customer rep emailed me and apologized for not having an update on my claim and said he was having trouble getting in touch with the investigators at PNC. 

PNC has committed, at best, gross negligence. And I cant pay my bills because they wont return the XXXX they have to a criminal.
Consumer complaint received 2021-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX XXXX, and my loan number is XXXX. Me & my mother have been customers of you guys since XX/XX/XXXX. & honestly there is nothing that we would change. Last year due to the Covid-19 we both lost our jobs and we unfortunately missed a payment in XX/XX/XXXX. Which then led us to taking advantage of your forbearance program for the remainder of the year, and 6 months of XXXX. We are happy to say that we have finally caught up on all of our payments and we are no longer in forbearance. & we are nothing but grateful for the opportunity they gave us these last 18 months to get back on track.. As a long time customer, officially in good standing - I am sincerely and respectfully asking that this good will adjustment for the late payment can go into consideration. It has been a pleasure having you as our mortgagee. They stated there was nothing they could do. This seems unfair as to I have never missed a payment.
Consumer complaint received 2022-08-15
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. (SC)

Hi, I'm filing this complaint with the Credit Bureaus because I believe the account below that is posted on my consumer report is a fraudulent account. I have no recollection of opening an account with XXXX XXXX XX/XX/XXXX. I tried disputing this with them to get more information on this account but they did not disclose any information to me. The account number is below. 

XXXX XXXX XXXX  - acct # XXXX I've filed an identity theft report with the FTC and that report is attached below. I ask that this information be removed from my consumer report immediately because it is a fraudulent account.