davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-10
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One/XXXX is reporting to XXXX that I had a 120 + late payment back in XXXX 2009 which is false that account was always paid ontime. Recently after disputing the information with XXXX Capital OneXXXX updated that the account had a positive revolving history to XXXX and XXXX but not to XXXX. This is negatively affecting my credit.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (TX)

I sent a debt validation to the collection company ( Pinnacle Credit Services ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company did n't provide any proof the account actually belonged to me. The company sent several statements but they did not a line with XXXX. The called the company asked if they could send me a copy of a user agreement signed or any proof that this account belong to be, I was told I needed to contact XXXX. After contacted XXXX, I was told that they did not have a user agreement or anything because the account was set through a third party ( XXXX ) in XXXX of XXXX. Since then the company XXXX XXXX has closed down, so there is no way to get a response from the company. The company is charging {$300.00} in termination fees for XXXX lines of service and balance of {$1000.00}. There was never a payment made on the account. The account was opened XX/XX/XXXX and closed in XX/XX/XXXX for non-payment. The company can not provide any proof that I actually opened the account and can not provide an agreement says that I agreed to a termination fee {$300.00}.
Consumer complaint received 2023-01-19
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) XXXX XXXX  consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX .... Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$570.00} XXXXXXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX ) # # # # # # # # # # XXXX XXXX XXXX # # XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) # # # # # # # # # # # XXXX XXXX # # XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

comenity capital/big lots shows an account that is in charge off and shows charge off for 13 straight months. an account can not charge of but once its listed as charge off loss but no 1099c was provided or issued to the irs acount is not listed as closed and still shows a balance there can not be a balance and a charge off. Thsi si being reported in accurately and becuase it is being reported inaacuralety i am requesting it be deleted
Consumer complaint received 2023-01-19
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)

In accordance with the Fair Credit Reporting Act. XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-18
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. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 item 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

My automatic payment from XXXX Bank to Ditech Financial was not applied to my account on XXXX XXXX for XXXX XXXX 's mortgage payment. I was not aware of this until XXXX XXXX. I had XXXX Bank fax over proof of payment on XXXX XXXX. After contacting multiple customer services representatives, including XXXX XXXX, my first account supervisor on XXXX and XXXX. I was told it was being processed. XXXX Bank resent the proof of payment as we were told by XXXX, a customer service rep, that the original was unreadable. This was done on XXXX XXXX. After speaking to XXXX in South Dakota ( XXXX, his supervisor sent an e-mail to expedite this ) on XXXX XXXX and XXXX in XXXX on XXXX XXXX, I was told that the ball got dropped and they are now processing that payment. Finally, as of XXXX XXXX, the payment was credited to my account as an " unapplied amount. '' My payment history is now showing a missed payment for XXXX XXXX rather than applying the misapplied amount to that payment. As a result, I am now receiving collection notices via phone, mail and on my front door for a missing payment that was never missing. I have also continued making on time payments since that date and my account payment history reflects this. My current statement shows my next payment is due XXXX XXXX and I assumed my account was current. However, the collection notices are still being sent and I am worried about the effect this will have on my credit as well as my peace of mind. There are many notes attached to my account at Ditech that support the fact that the fault of the missing payment is not mine and the customer service reps have all validated this. However, the collections department does not seems to be aware of this glitch.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

On XX/XX/XXXX I was charged for tickets on my Bank of America Credit Card. I disputed the charge however they will not block it. Since then I have found out they have a close bussiness tye with the ticket company that charge my card fraudulently. I made a complaint on this website previously and they have not responded.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (NJ)

Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. XXXX  XXXX, XXXX, Attorney General, and FTC
Consumer complaint received 2015-11-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I am currently in the process of obtaining a new home loan XXXX I disclosed to them that I filled for bankruptcy XX/XX/2013, and that at no time was my current home mortgage included in that bankruptcy. I continued to make timely payments throughout. The Bankruptcy has now been discharged and I am in the process of buying a new home. During the process of obtaining the new loan XXXX has found that the loan holder of my previous mortgage ( for which the property is now a rental and I still own it ) was not reporting my payments to the credit agencies and the agencies are reporting it as foreclosed. This is absolutely incorrect. I have asked that the loan holder ( Wells Fargo ) update this information to the credit agencies showing that I have made timely payments, and have remained current throughout the duration of the bankruptcy and afterwards. I have all supporting documents showing payment history and a letter from my XXXX Attorney stating that the mortgage was never included in the bankruptcy to begin with. After 6 weeks of back and forth with WF they say that they have removed the dispute, but they will not confirm this to the credit agencies. My new home is ready to move into, but I can not due to my information being erroneously reported to the credit agencies and WF 's unwillingness to help correct the matter. They insist that is up to the credit agencies. I am now 1 week homeless and no closer to closing on my new home. I need help in having this matter resolved in a speedy manner, please.
Consumer complaint received 2023-01-18
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)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

A collection agency sent an email on XX/XX/year> informing about a debt of {$370.00} which I was not aware of, since the place where that supposedly debt comes from is a XXXX XXXX XXXX in which I have not lived there for XXXX  years and I had never received a debt notification from them.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (TX)

Please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge. I am asking that the credit reporting agencies XXXX, EQUIFAX, and XXXX conduct an investigation into inquiries that I believe to be incorrect on my credit report due to fraudulent activity or a data breach. I have heard of companies pulling peoples credit without permissible purpose. I will list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter or remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I got notice on XXXX/XXXX/16 that there was suspected fraudulent use of my Bank of America credit card, which I applied for on XXXX/XXXX/16, but never received. I called immediately and failed a claim an closed the account. At that time, all {$1000.00} worth of charges were disputed and I filed a police report. On XXXX/XXXX/16, I received a bill for {$550.00}, including a {$75.00} annual fee. These charges included transactions from XXXX - XXXX, XXXX of which were made after the account was closed, totaling {$1500.00}. In addition, during that time, my cash credit limit was increased to {$1500.00} and my total credit limit was increased to {$5000.00}. I called for the 4th time to dispute these charges and wanted to know why charges were made two days after the account was closed and why the credit limit had been increased. The fraud specialist said she was removing the charges, but was unable to answer my questions. 
Although I will be relieved if I see these charges were actually removed and the account closed, this has caused an incredible amount of stress and taken several phone calls which have included being transferred three times, being placed on hold, having to repeatedly state my name, address, birthday, answer security questions, and explain the situation to each new person. The first person I called asked me to repeat my address FIVE times, wanted to know the code on the back of my card, the last XXXX digits of the card, and where I last used it. This was after I 'd repeatedly told him I 'd never seen the card, never received it, never used it. In addition, the line kept going dead and I 'd tell him I could n't hear him for up to 10 seconds at a time. I asked that he call me back on my cell phone, and he said he was almost done. I missed about 25 % of the conversation. 
This has been a most frustrating experience. I hope something will be done to train more competent representatives, who actually close an account upon request rather than leave it open and increase the credit limit. Being transferred multiple times, having to repeat myself, and receiving a bill for purchases made after the account was closed have made me feel like the thief is allowed to live it up while I 'm being punished time and again for something that was not my fault.
Consumer complaint received 2024-10-06
Product: Credit 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: GOLDMAN SACHS BANK USA (PA)

I disputed a charge on my credit card with this company back in May they had requested additional information I then submitted a copy of the receipt from the merchant saying that the order was canceled that the balance should have been XXXX meaning they refunded me they refused to contact the merchant I think they're doing their own in-house investigation and then they end up closing it out I still haven't got refunded from the merchant they told me I had to contact my credit card company
Consumer complaint received 2024-10-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

I have received the email below from Best Buy Credit Card. They are claiming that the charge is for {$120.00} for the XXXX XXXX XXXX XXXX in purchased in XX/XX/2024. I have not used my Best Buy credit card in over 2 years. I have contacted both the Citibank Credit Card Customer Service XXXX and the XXXX XXXX Customer Service XXXX to inform them that I never authorized enrollment in any technology service plan. I have asked them to provide me with a copy of any contract that I signed enrolling iin the plan ; they have been unable to do so. I am not going to pay for something that I did not authorize. They are threatening to report this unauthorized charge as past due to the credit bureau. What can be done to stop them? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Email : XXXX Cell : XXXX
Consumer complaint received 2016-02-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

In XXXX of 2015, my wife and I purchased a new car at XXXX of XXXX. Because I 'm new living in XXXX and I do n't have a credit history, Chrysler Capital financed the vehicle with the APR of 18 %. We asked if we could make extra payments on top of our monthly payments in order to get ahead on our principal, and they said yes. Our monthly automatic recurring payment is {$470.00}. The first payment went through fine, but in XXXX, we made an extra payment of {$750.00} to go towards the Principal Balance. Chrysler Capital instead took {$390.00} for interest rather than as requested. When we saw this, we informed them that this is just for the principal balance because we are still making automatic monthly payments. Before they fixed the {$750.00} amount, they 're online system accepted our automatic XXXX payment but only took {$29.00} towards interest. They did n't take the correct amount of interest from this payment as they should have. Due to their error, it put us behind on interest, therefore increasing our daily interest rate and accruing a much larger monthly interest. Therefore, in XXXX and XXXX, our automatic monthly payment of {$470.00} has gone completely to interest and none toward principal. The XXXX statement actually states that the accrued interest is {$350.00}, but Chrysler Capital took the full payment of {$470.00} toward interest and XXXX toward principal. They refuse to fix this. 
We have called them many times, asking them to fix the problem because this was their mistake. They told us that it is our fault for making that extra payment and not wanting any interest taken out of it, but we specified that the the normal interest amount should be taken out of the automatic XXXX payment. We have spent hours on the phone every month trying to find a solution, we have escalated the complaints to the " Office of the President '' at Chrysler Capital and they have offered no more than an " apology '' but have not fixed the problem. We should not be paying interest only because this was their mistake for not taking out interest from the XXXX automatic payment. They refuse to offer any solution or help when we have paid all payments on time and have even paid more. They are stealing our money and not allowing us to pay anything toward principal.
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation (NY)

Debt collector failed to 1 ) properly serve me with a summons and receive a default judgment against me. 
2 ) answer a request for a hearing 3 ) validate alleged debt 4 ) has garnished my wages with less than12months at my job.