davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Since mid-XXXX I have had a few fraudulent transactions on my credit card I had with XXXX XXXX  XXXX, which I reported to them through their customer service in XX/XX/XXXX. However, they never started an investigation or provided me with credit for the fraudulent transaction. 

Due to their failure to properly investigate fraudulent transactions, I was advised by FTC to file an Identity theft report and forward a copy to XXXX XXXX. 

On XX/XX/XXXX I filed a fraud report on FTC Identitytheft.gov indicating a total of {$370.00} of fraudulent transactions prior to XX/XX/XXXX on my credit card issued by XXXX XXXX  XXXX, and I certified mailed a copy to them. 

Initially, on XX/XX/XXXX XXXX XXXX  notified me they have opened a fraud investigation, and then on XX/XX/XXXX closed the investigation indicating my credit card account was legitimately opened. This shows that once again they have completely failed to pay attention to the detail of the Identity Theft filing of " Fraudulent Transactions '' as opposed to " Fraudulent Account Opening ''. 

I have attached a copy of the Identitytheft.gov filling I originally mailed to XXXX XXXX, along with XXXX XXXX  responses, so perhaps a more responsible staff at XXXX XXXX  can review and take appropriate action. 

As it appears XXXX XXXX  XXXX, has no intention of complying with consumer FCRA rights and has deliberately ignored all efforts to properly investigate fraudulent activities. 

As I agreed previously I have paid for the charges I authorized on my credit card with XXXX XXXX  XXXX, and this account should be reported as paid satisfactorily as opposed to currently being reported as a negative item " Legally paid in full for less than the full balance ''.
Consumer complaint received 2021-07-16
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. (RI)

Experian reported XXXX XXXX XXXX XXXX XXXX XXXX account fraud account XXXX my right dont agree remover only say account has verify why is Verifycation use this account is no mine and danger my score and need remover immediately
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (NV)

This is the second year in a row I have tried to close my CD when it matures at bbva. Before it matured they were sent a letter and email a deposit slip from XXXX XXXX XXXX to deposit funds from CD. A transfer request from XXXX XXXX  to deposit funds from maturing CD. All have been ignored by bbva they continue to want customers to jump through hoops to receive my money back by forcing them, they are requiring me to get medallion stamps or notaries which no other bank has ever required. As a senior citizen Im offended that these people will not return my money.
Consumer complaint received 2021-07-16
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. (TX)

see FCRA violations : Not mine : XXXX XXXX {$170.00} Closed 29 potentially negative months XXXX XXXX Original creditor : XXXX XXXX XXXX - Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 100 % Balance on XX/XX/XXXX Original balance - {$710.00} Payment Info Original balance {$710.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX  FL XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX {$1300.00} payment never late : please send all proof of this violations : XXXX XXXX XXXX  XXXX {$10000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan I'm very sure this is a violation showing a paid account as no history of it : see attachments for proof : XXXX XXXX Unknown payment history {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$2500.00} XXXX  XXXX XXXX XXXX  {$12000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment no creditor like XXXX XXXX XXXX XXXX  XXXX  : or Playmaker Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$94.00} - Payment Info Original balance - Balance {$94.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements -
Consumer complaint received 2021-06-24
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. (CA)

Experian and XXXX  are reporting inaccurate information and keep saying that XXXX XXXX is verifying not only is that not true but XXXX XXXX have provided me complete documentation showing there is no such information and have asked the Experian  and XXXX XXXX to remove any such information. They are not doing reasonable investigations and are violating FCRA. I have sent in disputes and phone calls and still they are submitting dispute or even getting information. XXXX XXXX has not verified no such information and Experian and XXXX XXXX is intentionally caused me great damage and embarrassment also with emotional distress. 
. Enclosed is the proof that i have no such public record and that i am a victim of identity theft. Came from directly from XXXX XXXX. This will be my last attempt before i am forced to take legal actions on all parties
Consumer complaint received 2021-07-16
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 (NJ)

there accounts don't belong to me. please remove accounts : 1. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-16
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. (TN)

My rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave Your agency my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.
Consumer complaint received 2021-07-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Salander Enterprises, LLC (MO)

Today XX/XX/XXXX I was contacted by a XXXX XXXX from XXXX XXXX XXXX phone number XXXX. He stated a complaint has been filed against me in XXXX XXXX XXXX and I needed to contact a number with file number to get more information. 

I contacted the other number XXXX and provided the file number, I was transferred to a legal person XXXX XXXX who stated they we going to be suing me for a past debt with Salander Enterprises LLC. She said if it hadn't been filled though that I could settle the debt by end of today. I was then sent a document via XXXX XXXX to sign and provide a payment method. 

I have never done business with either of these companies and I have told them I needed proof of the original debtor before continuing. They have yet to provide this to me. 

Researching further the address in letter head of document sent to me is an address for a XXXX XXXX company in business since XXXX.
Consumer complaint received 2021-07-16
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. (CA)

ORIGINAL LOAN IS THRU XXXX XXXX - XXXX STILL REPORTS NEGATIVE ON MY REPORT- XXXX XXXX THE DEBT TO XXXX XXXX XXXX XXXX ITS BEEN SOLD AND THE DOLLAR AMOUT STILL SHOWS A XXXX- XXXX XXXX XXXX XXXX WANTS TO SETTLE WITH ME AND I THINK XXXX ACCOUNT SHOULD COME OUT OF MY REPORT ASAP FROM EXPERINA AND XXXX
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (TN)

On XXXX the XXXX current bank sent email saying they had resolved my dispute they were.putting money back in my account I deposited cash on XX/XX/XXXX I transferred cash thru XXXX XXXX  they took XXXX they said I was negative and said they I was not untitled to my money back how the atm charged me twice u sent me an email stating I won't my dispute and then u selteal XXXX dollarsout and have a XXXX XXXXXXXX fighting me over it they scammed me
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (OR)

I went to Mercedes Benz of XXXX to initiate a consumer credit transaction. They ran my credit and told me I had a XXXX credit score. But they can not get me approval. The dealer ship is under Truth in Lending 15 USC 1601. Truth in lending clearly states that I have a open ended credit plan. Mercedes ran my credit card and after was acting adverse to my interest in purchasing 2021 XXXX. All I need to give them is my signature. I gave them credit and got nothing in return. Mercedes is in violation of truth in lending. 15 USC 1602 j states that I the consumer, original creditor have an open ended credit plan. Now why would Mercedes act adverse to me after I gave them credit. Mercedes is now impeading on my ability to provide for my son. 15 usc 1681m clearly says nothing about denial of credit. Because I am the original creditor. I extened credit to Mercedes.
Consumer complaint received 2021-07-16
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: The Receivable Management Services LLC (NY)

the accounts that appear on my credit report do not belong to me, they were not authorized, please check.

1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft RECMGMT SRVC Account Number : XXXX  This is not mine.

3. Identity Theft DPT ED/XXXX  Account Number : XXXX  This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

A company called Capital One is furnishing incorrect and incomplete information on two accounts on my credit reports. I have made several attempts to have these items corrected. I have sent letters containing print outs of how the accounts are showing on my XXXX, XXXX XXXX and XXXX credit reports with marking to indicate what needed to be corrected. The company 's inability to fix these errors in their reporting is causing me financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) I have the right to have a 100 % complete and accurate credit report. Capital One is violating my consumer rights. 

I am attaching my most recent correspondence. As prescribed in the FCRA, I initiated contact with Capital One through the credit reporting agencies.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have a consumer credit card with HSBC. I owed XXXX cents which was due on XX/XX/2021. Rather than write and mail a check for XXXX cents, I went into a branch and paid it in cash, receiving a receipt as proof of payment. I made this payment on XX/XX/2021, which was three weeks before it was due XXXX see attachment to this complaint ). I was told by HSBC that this was acceptable. To my surprise, I learned on XX/XX/2021 that they never posted this payment, and now it shows that I paid it late and received a late payment penalty. I attempted to correct this via phone on XX/XX/2021, but they were unable to help me, so I had to go to the branch where I made that payment ( HSBC, XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to have this matter cleared up. So, I immediately went to the branch and showed them the receipt with the payment date of XX/XX/XXXX, and asked them to correct my payment record and reverse any late fee. I was assured by the Vice President/Branch Manager XXXX XXXX that the record would be corrected, reversing any late fee and showing that I paid the amount on time, on XX/XX/2021 XXXX not late ). Today, XX/XX/2021, I called HSBC to confirm that everything has been corrected. I spoke to " XXXX '' who, to my surprise, told me that the payment is showing as paid - but their records shows that I paid it yesterday ( late! ) on XX/XX/2021. I asked that the record be corrected - I do NOT want a late payment showing on my payment record - but she said that there was nothing she could do about it. This is not right - I did not make a late payment on my credit card account, and HSBC records should NOT show that I did. I want HSBC to clearly show in their records that I paid my credit card bill on time, three weeks prior to the due date, on XX/XX/2021 - not late! Also, Branch Manager Mr. XXXX XXXX should not have misinformed me by telling me that the payment date would be corrected to show that I made the payment on time.
Consumer complaint received 2021-07-16
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. (NY)

Im sending this information to the consumer bureau as a proof of my dispute to Transunion that was sent by mail today
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Case # : XXXX I received the attached letter from Wells Fargo. Obviously it has something to do with the CFPB settlement. I have called the number that is on the letter and all I get is the run around. No one knows where the letter came from when I do speak to someone.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One failed to comply with my request. when they responded Capital one failed to validate the alleged debt. they included that my account with them is under Truth In Lending on Page 6 of their response. they failed to comply with all the request like my validation of debt pursuant to XXXX5 usc 1692g they have to send that information. they are acting as if they have any legal recourse to take against me with made me feel harassed and abused pursuant to 15 usc 1692d they failed to pay the invoice i sent them and zero out my balance on that account. My account was opened from my open-end credit plan pursuant to Truth in lending ( Regulation z ) Capital One is agreeing to cease and desist but not comply with the rest of my request. I know they have been acting as a debt collector and have to follow the Federal law as it was written. this is under mining my confidence in the banking system. Capital one cant take any legal action against me pursuant to 15 usc 1692i ( b ) debt collector cant use any part of the consumer protection act to bring harm to me. If I were to pay the alleged debt they claim that i owe that would put them in clear violation of Truth in lending Act 15 usc 1602 ( p ) because i would have received no benefit from using the card.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/21 I pulled my credit report and realized there are multiple errors being reported on my credit report. These errors are reasons why my applications for credit are denied. Equifax & XXXX XXXX XXXX  are reporting I have a balance owed of {$510.00}. This account was paid off, yet it still shows a balance owed.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

As instructed by the State i have contacted Carrington Mortgage Services in XXXX, XXXX about being impacted by the pandemic. Instead of helping, in XXXX i received a letter of intent to foreclose and report me late XXXX, XXXX, XXXX and XX/XX/XXXX. My unemployment did not take effect until XX/XX/XXXX. I used all the proceed to catch up on all payments. As of XXXX my account was current. I filed complaints to their advocates and the NYS XXXX. I sent proof of my phone log and my unemployment status. XX/XX/XXXX I received a mea culpa letter of forbearance effective retroactively XX/XX/XXXX, They admitted their error but refused to remove the negative entries as mandated by the State when you are impacted by the crisis. Please help.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

On XX/XX/2020, I contacted XXXX  at XXXX to cancel my wireless service. At that time, I was told that I would be sent a final bill. On XX/XX/XXXX, I received an email notification stating the following : Friendly reminder Past Due Amount : {$130.00} Total Amount Due : {$170.00} Account Number : XXXX Date : XX/XX/2020 On that very day ( XX/XX/2020 ) I contacted XXXX  at XXXX and spoke to an agent for 15 mins explaining that I had cancelled by service on XX/XX/XXXX. The agent agreed with the cancellation date and stated I would receive a final bill. 

Yesterday, XX/XX/XXXX, I received a notice from Sequium Asset Solutions informing me that I owe {$170.00}. I have now spoken to 2 agents and only a few moments ago I was notified by XXXX XXXX # XXXX that even though I had transferred by phone number to another carrier on XX/XX/XXXX, I still have to pay for service through XX/XX/XXXX hence the bill for {$170.00}. 

Not one person from XXXX on either the XX/XX/XXXX or XX/XX/XXXX mentioned that I would continued be charged through XX/XX/XXXX. This is deception at every level. Here I was expecting a final bill of approximately {$20.00} only to NOW be turned over to collections for a bill of {$170.00} which no XXXX  employee notified me of or took the effort until explain that I will still have to pay the full bill. Their one and only response is " you will be receiving a final bill. '' On the XX/XX/2020 I was told to expect the final bill in a couple of months.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION (NC)

On XXXX at about XXXX XXXX. I entered my location BB & T bank to get my money card activated for the bank to identify my as the cardholder. XXXX XXXX XXXX NMLS # XXXX was the one who refuse to help me with opening my account he made me so upset he caused me have an XXXX attack upon leaving. XXXX had to come to the bank where I was placed in the back of to give me XXXX and I also had extremely XXXX XXXX XXXX all due with these dealing with XXXX XXXX. And my card still didn't get activated. He made it point not to activate my card because he saw how frustrated I was becoming while trying to get him to talk to the cardholder of the XXXX XXXX that is afflicated with the BB & T branch. I feel this kind of treatment I received at this branch is very unprofessional this isn't my first interaction with this teller. He seems to be rude and disrespectful to me each time I visit this branch. This employer should be fired for the amount of distress I endured.