davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was notified on XX/XX/2022 from XXXX asking if I opened up a capital one account. I informed them no. Then we both called Capital one 360 on XXXX XXXXXXXX XXXX informing them that the account was fraudulent. They admitted transactions were completed but would not tell us what. Then the XXXX agent asked if I was liable for any funds and the representative from Capital one said no. I received a bank statement today stating the account is in a negative balance of XXXX.
Consumer complaint received 2019-10-25
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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (NC)

In accordance wit the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-20
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (WV)

I received a new debit card and was told once I registered and activated the card I would be able to use it.Upon calling customer service I was told I would have to go online to the mobile app.The money on my account is there for a transaction, but I keep getting a " card is declined '' and " high call volume '', and try again later.Today, I got a response saying my card was unable to make these kind of purchases ( getting groceries delivered ) when I did so before previously with no problems.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$430.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance Owed : {$580.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

DP OF EDUC XXXX Balance Owed : $ XXXX Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX Balance Owed : {$460.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2022-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I got a XXXX forbearance for the months of XXXX, XXXX, and XX/XX/2022. I did not make payments those months and resumed monthly payments XX/XX/2022. I signed paperwork from XXXX stating that the amount of the payments I missed ( {$3000.00} ) was considered a loan that would be payable when I refinance or pay off the mortgage. My account was never properly credited for that amount nor was I given a check for that amount, so I was never given the money that I have a loan for. 
I have called many times in 2022 trying to get an explanation of the strange items on my mortgage statements and no one has given me any explanation except that they were mistakes and would be fixed. They have never been properly fixed and I gave up asking for an explanation. 
I have called more recently called to straighten this out, requesting a meeting to analyze the statements. Every person I talk to tells me that I need to talk to someone else. I have left messages for the XXXX that I am told can get this taken care of and she has not responded.
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (FL)

Hello, On XX/XX/2021, I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, Equifax, and XXXX. XXXX deleted derogatory from XXXX, but not Equifax and XXXX. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for XXXX and XXXX permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX 's as their Electrical Engineer, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At 71 and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (NJ)

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **In addition hard inquiries not made by myself : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (MN)

In XXXX of XXXX, I received a debt settlement letter from National Credit Adjusters giving me three different options for settling a debt. I am not 100 % sure what this debt it but National Credit Adjusters reported it twice, as two separate accounts but for the same dollar amount to the credit bureaus. When I received the letter, I selected option 1 and settled the debt for 50 % of the balance and paid {$110.00} on XX/XX/XXXX ( the deadline to pay was XX/XX/XXXX ). 

Since then, National Credit Adjusters has repeated reported the account as being an active debt and has ignored my attempts to contact them for removal ( I've emailed and called as well as disputed the debt via the credit bureau. )
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (ID)

XXXX refuse to correct and properly investigate dispute and update account as disputed affirm inc XXXX XXXX XXXXXXXX account is disputed and should be documented on account this is a violation fcra section 1692 E 8 not reporting as disputed by consumer
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (TX)

I originally took out a XXXX XXXX XXXX XXXX for {$6000.00} with XXXX XXXX  in XXXX where I received {$3000.00} immediately and would receive the other {$3000.00} once I paid the {$6000.00} loan back. In XX/XX/XXXX, I received a letter from XXXX XXXX saying they sold my loan to SST, a debt collection company. SST is charging us a fee to make payments. They have no zero fee payment options. Additionally, they do not know the balance of my loan when I call. They do not show my savings account portion of my loan on their website. The website says I am 9 days late and have been charged {$130.00} in late fees in less than 30 days of them having my loan. We received a letter that stated auto pay would transfer over from XXXX XXXX  to SST and it did not. Their website, SST-mo.com does not look legitimate at all.
Consumer complaint received 2022-12-13
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: WELLS FARGO & COMPANY (MN)

Wells Fargo will not tell me how much is left on a " FUND DO NOT EXPIRE '' Rewards Card that I have. I have attempted to work this out with the company and have gotten no response. 

I request all correspondence be done in writing. This is for the protection of myself and the protection of the financial institution. It seems that everyone would want this to be done in writing and not over any sort of phone call where the parties could lie and everything be a " he said, she said '' deal. 

I request CFPB to handle this information and require everything to be done in writing so we can ensure that the financial institution is in compliance. It seems that by not requiring this to be done in writing the CFPB is simply allowing the company to practice unethically. 

If the CFPB is not going to handle this and simple close out the case without resolving the issue, I will contact the inspector general to investigate and find out why the CFPB is not acting ethically on behalf of a taxpaying customer. I'll also look to contact the XXXX  and the attorney generals office if the CFPB reject to help a customer. Is Wells Fargo paying off the CFPB to silence them and not allow this to be done in writing. What is being hidden to not have everything be done in writing from both sides? It just makes things look more like a scam when this requirement is not met. 

Thanks
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2020-12-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX and XX/XX/2020, I disputed several collection items, XXXX recovery Account # XXXX for {$75.00} and XXXX recovery- Account # XXXX for {$230.00}, with XXXX and Equifax . as of today,XX/XX/2020, I have not received any response from either of the 2 bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to both bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The phone call and letters from Portfolio recovery debt collectors are for a credit card or cards totaling Approximately {$6500.00} dollars, this was my now deceased Mothers card called XXXX XXXX, which she allowed us to use, there may be another account also, but the statute of limitations expired over 8 yrs back, there was the same account listed on my credit report, I disputed ownership and the time limits, it was removed but may have remained on XXXX XXXX XXXX 's credit, but she is now deceased since XX/XX/2021, the call today was from XXXX, they did say we can not nor my Mother ( Deceased ) be sued, but anything we say can be used against us, I also receive letters from them, one last week, saying the statute of limitations expired but we still owe the debt. 
These cards or cards are from XXXXXXXX XXXX  this is abusive harassment.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC (GA)

On XX/XX/2019, I discovered that multiple credit card accounts were made without my authorization. I reported this issue to all three credit reporting agencies and to the creditors who had issued fraudulent accounts in my name. 
Most accounts have been resolved and removed from my credit report. 
Unfortunately, XXXX card company is continuing their attempt to collect the debt that I do not owe through collection company. 
The collection agency is a law firm named Brock and Scott PLLC. 
They are attempting to sue me for the debt that I do not owe. An official police report and FTC identity theft report were filed back last year.
Consumer complaint received 2022-12-03
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. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (FL)

NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 



XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


- Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

XXXX XXXX Complaint for CitiBank, NA, Office of the President, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I sent letter On XXXX XXXX, to CitiBank, NA, Office of the President, In reference to account number XXXX, account ending in XXXX CitiBank, NA, Office of the President, as issuer of account failed to send proof .and failed to send proof of investigation and Lapsed 90 days, account unverifiable CitiBank XXXX NA, is responsible for account ending in XXXX, as issuer of account .not any other party Because CitiBank, NA issued account number XXXX, itself. 
Not a third party. 

This account is not mines .I have never been their client. 

CitiBank, NA failed to send strict proof of account investigation after 90 days period CitiBank, NA failed to send strict proof of account ending in XXXX Therefore Im requesting a letter of account close.

CitiBank, NA account ending in XXXX, is an error. 

CitiBank, NA is inconsistent Please find enclose documents sent on XXXX XXXX to CitiBank, NA, Office of the President. never answer Thank you XXXX XXXX
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I called BoA XXXX  to let them know I had a fraudulent charge and they told me someone in XXXX  took my money out of an atm. I live in XXXX XXXX so I told them that wasnt me and they filed the fraud for me. On XXXX I got a letter telling me my account was closed, I call on XXXX telling them what happened and they told me to contact XXXX, Been going back and forth between both of them blaming each other
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I've been filling complaint after compliant since XX/XX/2020 and now it's a couple of days before XXXX and I'm still struggling to put food on the table no XXXX for my family, at least we could have a few cans of beans and spam anything. But not with this bank. There the ultimate XXXX! XXXX even better yet!!! I've been waiting for responses from them for fraudulent charges no response just put me in the wrong never questioned me about anything just made Exclusive and Executive actions on my behalf? Okay so you're working with the fraudsters? 
I'm broken up during this pandemic but the banks have to survive even if that means unarmed robberies from their own customers. I'm really to hungry and way tired of this. Please someone help me please.
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.