davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

During hurricane Ida, my car was flooded while parked on the streeXXXX. XXXX has been my insurance company and the claim was reported to them immediately. After inspecting the car, it was deemed a total loss. I received a notice of settlement from them. XXXX then towed away the vehicle and it it was subsequently sent to salvage. 

The vehicle was refinanced from Capital One Auto finance back in XXXX of 2021. During all this time, they DID NOT acquire the title from XXXX even after paying off the previous loan. I called XXXX who told me that they sent out a title on XX/XX/2021 to an address in XXXX XXXX XXXX Capital one says this was an incorrect address and they never received the title but certainly did not pursue this at the time. Now that the vehicle has been totaled, they are telling me to continue paying on a loan for a vehicle I do not even have. If this was a matter of days or a couple of weeks, I would not have an issue but in the State of NY it will take 45-60 days to perfect the title. Had Capital One gotten the title in XXXX, XXXX would have received it weeks ago and the loan would have been paid off.
Consumer complaint received 2021-09-22
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. (IL)

I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX  credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!
Consumer complaint received 2021-08-06
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (PA)

Cardinal Financial Company NMLS ID # XXXX performed a hard credit enquiry without my consent. I phoned Cardinal. A representative said since you do not have an account with us there is nothing we can do. 
I did stupidly click on an add from Cardinal to try to see a rate and added my phone number. I received many, many calls from cardinal financial, none of which I answered. I did not ever give my consent to a hard inquiry or applied for a mortgage loan. When checking my credit through XXXX XXXX it read A mortgage Lender Checked your credit. You have until XX/XX/XXXX to get more offers without affecting your credit again. 
Underneath this statement it said Cardinal Financial Company. Again, I never applied for a loan or authorized a hard credit inquiry.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Store credit card
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I submitted my compain to your Buiro.Investigation was close.Today I spoke with Capital one at first and ask to talk with supervisor of Neiman Marcus.When I ask about dispute when transferred me to wrong department and finally hang up the phone again.They send the negative report, but this is unlawful because they dont want to take care of my account.Finally she gave wrong department.They ask me about survey.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-06-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MD)

Referring to case numbers : XXXX & XXXX Wells Fargo has chosen to close this case after numerous runarounds and " We are studying your complaint ( words to that effect responses ). '' I am and will continue to pursue this matter through numerous agencies and via an attorney if necessary. 
Their convenient self serving response includes fabricated paper work contending that the person to whom I spoke did not say that I had to allow {$25.00} to be taken from checking account every month to keep a savings account. Neither of which I have now, by the way. 
Although it goes back several years, unless is was deliberately erased, that conversation was recorded and could and should be subpoenaed. 
Wells Fargo has been in the news numerous times regarding pressure on employees to get accounts open and regarding outright fraud. 
If their responses have not been fabricated, if they were not guilty of fraudulent activity which placed undo financial and emotional strain on me, why did they sene me {$1500.00} and a couple other small payments. Is this how innocent parties act? Their stock holders will be appalled. 
There was also a ridiculous time-wasting sham of a " mediation '' process they set u with me. The so-called mediator was no more than a messenger boy, not a mediator. He went, so they claim, back and forth presenting both sides of this issue, this complaint. 

It was my intention to begin a simple savings account at which time I was deceived into believing that regular payments of {$25.00} had to be made into this account. I was surprised, to say the least, even shocked until that wore off and I closed the account. 

Being on a limited income, those {$25.00} payments appropriated from my checking was a hardship, financially and emotionally. 

It was at that time that I learned that Wells Fargo fired over XXXX employees involved in this wrongdoing and that they were part of a culture of a scandalous deception in which high pressure tactics were used. 

These tactics also took place at the companys XXXX XXXX headquarters.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I purchased a chair from XXXX  XXXX customer service on XX/XX/2022, in the amount of {$1000.00}, sales-check XXXX, receipt number XXXX, case number XXXX delivery date XX/XX/2022. However, when I purchased the furniture, I provided the customer service rep XXXX XXXX with voucher information in the account of {$580.00} but it was not applied to my account/order. Can you please assist me with resolving this issue to adjust my account balance to reflect the credit provided? 

Very frustrated, XXXX XXXX
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

Our company paid our auto loan with A.C.C. in full 2 yrs early before this vehicle loan was due and around XX/XX/XXXX in the amount of {$8000.00} via certified check. We received a letter from A.C.C. stating it was paid in full and that the loan was satisfactory around XX/XX/XXXX. 
Fast forward to now XX/XX/XXXX XXXX we get a notification stating that the account is in collections and reporting open after they cashed the check and gave us title of the vehicle.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

I am planning to refi my home in a few months. I only have a 5 '' android screen. No tablet, no public computer to use. I am XXXX & have trouble seeing without help. I requested print out of XXXX credit agencies after seeing scores only online. For only 2 credit reporting agencies can I easily find my credit scores : XXXX  & XXXX. There are popularly found together. Not Experian. I finally found my Experian score and saw a notation that this 1 score was much less than my other 2 and a negative note saying " ... score dropped XXXX points ... ''. I never downloaded my reports because I can't see on my phone all the details I need to see! I asked for print outs of all 3 agencies and got them successful EXCEPT for Experian. By mail, they sent me a " denial letter '' claiming I already downloaded it. I didn't. With this upcoming refi, I didn't because I have limited storage on my phone, & I'm going to need it for my refi. I also am on a fixed income and can't afford a new phone or having storage problems with it. 
So, I followed Experian 's instructions and sent them the ID copies and why, as I explained here, & " ... because I suspect " fraud '' being the reason for their claim of " XXXX point drop ''. 
Now Experian responds by sending me an email, " Dispute Results '' and I have to click on small print and sift through Experian legalise on their online email message " terms and conditions ''. I can't read it easily and why is this becoming such a major issue with them???? 
All I need right now is my printed out Experian credit report! This is all I ever asked for.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WA)

On XX/XX/year>, I opened a checking account with US Bank in response to a promotion promising a {$500.00} reward after meeting a direct deposit requirement. I met the direct deposit requirement but have not received the promised reward. 

In response to my previous complaint, US Bank stated that my account 's promotion code is XXXX, valid only from XX/XX/year> to XX/XX/year>. They also indicated that accounts opened on XX/XX/year>, should have used the code XXXX to qualify for the reward. I have XXXX concerns that need addressing : Lack of Transparency and Verification : I have no means to verify which promo code was used when I opened my account. I request that US Bank provide a clear and accessible method for customers to verify their promotional code at the time of account opening. 

Responsibility for Expired Code Use : If, as US Bank suggests, my account was opened with the XXXX code despite being expired, it raises a significant concern about the banks operational oversight. Why was an account allowed to be opened with an expired code on XX/XX/year>? This oversight implies negligence on US Banks part, misleading customers into believing they qualified for the promotion. 

Given that I fulfilled all direct deposit requirements, I request that US Bank honor the {$500.00} reward as promised. Allowing an expired promotion code to be used is a clear failure of their internal controls and customer service obligations, and it is unfair for customers to be penalized for the bank 's errors. 

I look forward to your prompt resolution of this matter and to receiving the reward as initially promised.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In reference to my previous disputes with this company I am including the previous dispute numbers XXXX XXXX XXXX XXXX XXXX I am also including a invoice pertaining to my rights as a consumer being violated repeatedly from the start of this process. This company has caused me damaged of time that I will never be able to recoup.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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: OPORTUN FINANCIAL CORPORATION (FL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2022-12-21
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. (TX)

There is a XXXX XXXX credit card account open in my credit report that does not belong to me. I disputed it with equifax and XXXX but it is still showing in my account as closed but with a balance. This should be removed completely. Address in Georgia is not mine either and some inquiries. 
I can not speak to anyone from premier by phone because an automated recording answers asking for my credit card information which I dont have because I have no access to this credit card.
Consumer complaint received 2021-08-06
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

This morning, I found unauthorized inquiries on my credit report with no clear explanation as to why they are there. I regularly check my credit report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was a simple glitch, but the inquiries were still present. Im extremely frustrated and urgently ask that the documents I submitted are thoroughly reviewed to ensure this issue is resolved once and for all.
Consumer complaint received 2024-11-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (WA)

I moved in XXXXXXXX XXXX XXXX The company sent me move-out invoices in XXXX. I settled all other amounts except XXXX XXXX. In emailing with the leasing director I provide proof that the small hole they tarred up was there upon move-in and the leasing director confirmed it was also listed on my move-in report and they would remove the charge. They continued to invoice me for " XXXX XXXX '', then they sent it to their parent company and I restarted the process. Then they sent it to collections and I disputed it, now they have sent it to the credit reporting agencies. XXXX reviewed the evidence and removed it, XXXX did not and states I need to submit a FTC report.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NJ)

I canceled a Barclays JetBlue card I was not using as I no longer wanted to pay the annual fee. AFTER the card had been canceled, Barclays still processed a payment from my bank account for the amount of the annual fee. I have contacted Barclays multiple times to rectify this and they still have not returned the funds they collected from me incorrectly. The total is {$99.00} against a card that has been canceled for 2 months now.