davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Capitol One pulled a fast one with my original complaint... # XXXX. They knew the credit card I was referring to was the Cabela 's Club XXXX Mastercard but they went to an XXXX XXXX account on purpose. Nowhere in my original complaint did I ever member that credit card ever, They did this intentionally. 

How do I know? The collection agency they transferred my Cabela 's Club XXXX Mastercard account was the one they were assigned. Capitol One was devious and unprofessional with this effort telling you XXXX thing and me another wasting both of our time with this distraction from the essence om my original complaint. 

I want the reply to the Cabela 's Club XXXX Mastercard account which they cancelled many months ago. 

Yesterday I drove XXXX miles XXXX way to the XXXX 's store in XXXX to speak to the company to try to get the old account number but all I got was XXXX female customer service rep after another, I wasted my time and fuel to try an honest effort that failed. 

Please refer to my original complaint # XXXX that you closed after Capitol One gave you a huge lie in their XXXX XXXX reply, Thank you.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit line has been suspended : Because disclosure of use of information from obtained from a consumer reporting agency called TransUnion. They ( XXXX XXXX say the reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you when in fact they did. I have never been late in paying off my line of credit with XXXX. So why is my credit being suspended for no reason? I have no outstanding balances on any of my other accounts the account in question at the XXXX is XXXX line of credit. I think this is illegal and discriminatory since I have no outstanding balances any where. I want to take legal action and sue on behalf of the CFPB law passed recently plus I want my line of credit restored with a written apology.
Consumer complaint received 2021-05-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have an active auto loan with Capital One Auto. My loan was delinquent as the end of 2020, but I have been current on this loan since XXXX. Despite that, Capital One Auto continues to report that my loan is past due, and we're halfway through XXXX now.
Consumer complaint received 2024-09-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

Hi, I would like to start off this complete by introducing myself and my family. I am a small business owner in my community, and my husband is a XXXX  who both work very hard with two XXXX  children. 

We have been Kia customers since XXXX and have leased 6 Kias. To say that we have been abused emotionally, financially and mentally, exploited, manipulated, robbed and bullied is a complete understatement. 

I leased my sixth Kia back in XX/XX/XXXX located at XXXX XXXX XXXX and in an Unfortunate event my car was flooded but not a total loss on XX/XX/XXXX. I decided to have the vehicle towed back to the Kia dealership ( on XXXX XXXX ) so they can try to fix the issues. XXXX paid the dealership for my vehicle to be stored on their property while all of the issues were being attended to. Within the three months of leaving my vehicle with the Kia dealership, not only Was my vehicle left out on the XXXX XXXX XXXXXXXX Streets and in that time frame incurred 4 tickets That Kia hid from me each time I went to check on the car and the status. After the fourth time my car, then was booted the day before XXXX was going to pick it up and it was only then that the manager XXXX called me so then let me know my car is no longer in their possession but now with the XXXX XXXX XXXX financial division. I was lied to. I was treated inappropriately once I claimed that the dealership had to pay for the tickets. XXXX was the head manager who berated me yelled at me and told me that they were legally allowed to leave the cars out on the street although XXXX has been paying for a storage fee to make sure that my car was placed on their property. They wanted nothing to do with the situation, No one will pick up the calls for me. No one wanted to speak with me and it wasnt until I went down to the financial district that I even find out that they were four tickets That were thrown away by one of the employees. It gets worse- Through these actions, my situation with my car, completely spiraled out of control to the point in which I had to Miss many days of work, fighting the case for many hours and degrading conversation with the staff, Emotionally drained, I then had to continue to pay out of pocket for a replacement vehicle. Pay out of pocket for my car lease and out of pocket for my insurance. And to add insult to injury, my car was never recovered from this situation. 

This entire mess could have been prevented and avoided had Kia the dealership left my vehicle on their property. Never again will I be utilizing this company and allow for this type of abuse. What a precarious situation and I was fully taken advantage of!!!
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I contact one of my credit card ( XXXX/XXXX  XXXX ) to request a credit line increase. I was informed there was a freeze on my equifax account. As I had previously created a on-line account I attempted to log into my online account. System alerted me to change password which I did and received a confirmation it was changed. Their site still denied my access so I called customer support on XX/XX/XXXX. I was informed their system was " down '' and to try again. I tried and still could not access my account. On XX/XX/XXXX I attempted to log in/change password and received message to call customer service. I called and spoke to a " XXXX '' who informed me my account wasn't completely set up/was placed on hold then sent a email to which was suppose to have a temp. password to reset my last used password. No temporary code was sent/verification of last 4 of my Social Security and date of birth was asked/answer and received a confirmation that the password was successfully changed. I attempted to log in and received the same error message, call customer service which I did. I spoke to the same " XXXX '' who alerted me there were " technical issues '' with my account and to wait 5 - 7 days and try again. I feel I am getting the run-around with equifax.
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (NY)

During the past few months, I have been trying to get the credit bureaus to remove inaccurate, unverified as well as unknown information that is being reported on my credit report. I get a all account are verified when I know for a fact that can not be true because the Date Last reported never updates. Even my name is spelled incorrectly as well as addresses. Per FCRA 611 ( a ) the credit bureaus have to investigate within 30 days and if not done, should remove all accounts that Are being disputed immediately. I havent heard back from them in over 62 days. This is unacceptable and I will seek litigation if these account are not removed from my consumer report. This is causing me great harm. I have submitted a copy of a credit report that is factual based errors that are highlighted which I havent received a response yet.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I did not authorize or recognize the credit inquiry entry on my credit report. I contacted said company and credit bureau reporting agencies XXXX, XXXX, and Experian to have the inquiry investigated and/or removed immediately. The credit bureau agency refused to remove the unauthorized inquiry, and I was advised that the reporting company did not respond, and to contact the vendor company directly, notify CFPB, and the FTC accordingly.
Consumer complaint received 2022-01-14
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. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

This complaint is in reference to my first complaint # XXXX and Bank of America 's lack of response. I filed the complaint to get a letter asking for more time. Since then I have heard nothing. I would like to have a response.
Consumer complaint received 2019-01-28
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. (NY)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I have taken the necessary step to dispute the information with the credit bureau. I'm very confused on how they verified these accounts. They are not following the rules and I'd like these 4 fraudulent accounts removed immediately. I've included the ID theft report to validate my position.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Bank of America charging me annual fee after I closed my account with them in year 2014. Approx 6 months ago I applied for a land mortgage loan through XXXX XXXX, XXXX Mississippi. They ran credit report on me for the loan. I received information on the credit report that I own Bank of America {$69.00} for annual fee after I had paid up my account and closed the account. So, I called them about what was showing on my credit report ... the rep on the phone from Bank of America look up the information and saw where I had closed the account and information about the annual fee. After going over the information the rep from Bank of America stated that she would remove this in formation and wave the XXXX. 
I just applied for another loan with XXXX XXXX XXXX XXXX and they ran a credit report and found that Bank of America still had not removed the annual fee. So, I again called them to question why its not been removed and rep said that it can not be removed until I paid {$69.00} annual fee. I explained to the rep that I had called approx 6 months ago and it was suppose to be removed she said there was no record of this request ... so out frustration I paid the {$69.00}. I recently when to my XXXX XXXX XXXX XXXX account site and view my FICO score and show that it lower my FICO score 20 points this is unacceptable. I don't understand this problem especially after I paid my credit card off and closed the account.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-05-16
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. (NJ)

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. 

Account name : XXXX ACCOUNT XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : 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 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 inaccurate.
Consumer complaint received 2019-03-26
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. (GA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 3 to 9 of the attached credit report. ) These multiple accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-26
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. (FL)

Your company is XXXX me the XXXX off!! What the XXXX are your doing. Why did you take off XXXX Bank for? No XXXX reason!!! Never told you to do this!!! Read my information. Now I am getting a lawyer and suing!!! Big time I have snap shots proving XXXX Bank was on my XXXX XXXX credit report. I asked XXXX and Experian to add it to my reports its still not on here after 5 years. This matter had nothing do to this your company XXXX XXXX. Wow!! You people are insane. It was in good standing. XXXX XXXX now have XXXX me off for the last time. No reason for this XXXX!! Read what I tell you. Read my complaint. Put back my XXXX bank line of credit now!! I calling police making another police report and calling. Y lawyer see your XXXX in court!!!
Consumer complaint received 2019-01-30
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)

I am formally writing this letter of complaint to you in regard to Equifax Credit Bureau. 

Equifax has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$190.00}. 

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Equifax in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Equifaxs failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Equifax that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

Equifax was also furnished proof that the XXXX ( account # xxxxxxxx ) in the amount of {$190.00} was in fact disputed and DELETED from my credit report by XXXX  and XXXX  SINCE XX/XX/2018 ; ( I will re submit the proof of deletions via attachment ). However, Equifax continues to carelessly and negligently continue to post that inaccurate account ( {$190.00} ) to my credit report!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Equifax immediately delete all the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored. 

Note : This CFPB complaint is solely directed to Equifax Credit Bureau. 

Thank you.
Consumer complaint received 2019-03-26
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. (NY)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing Suspended my XX/XX/XXXX Mortgage Payment, and refused to apply it toward my Account unless I sent {$77.00} additional funds to cover a shortage in Escrow. We had been disputing every Letter they sent us regarding Escrow, since Ocwen took over Servicing XX/XX/XXXX from XXXX XXXX XXXX. Their was no shortage in Escrow the balance prior to the {$77.00} was {$3300.00}. The tax amount due in XXXX, was {$2600.00}. The bottom of a letter dated XX/XX/XXXX, please note your monthly payment has changed to {$2500.00} ( From {$2400.00} > {$1900.00} interest & {$510.00} escrow previous amounts from XXXX ) effective XX/XX/XXXX further detail regarding reason for the change will be included in a separate letter. The Letter explaining the {$77.00} increase was never received, but the demand phone call was clear, send the {$77.00} or we don't apply the payment. 12 days later Ocwen Escrow Department wrote a check for {$5300.00} from my {$3400.00} balance escrow account, when only {$2600.00} was due. The other {$2600.00} due in XX/XX/XXXX. 15 days later Ocwen Escrow Department wrote a 2nd check from my - {$1900.00} escrow account this time for the correct amount {$2600.00} putting my escrow balance @ - {$4100.00}. They suspended my XX/XX/XXXX payment, and put me in Default.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : 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 2024-11-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

I have a savings account with US Bank that was closed. I was told they were mailing me out a cashiers check, but they mailed it to the wrong address. They advised me that I would have to wait upwards of 90 days to have a stop pay placed on check, then fill out a declaration of loss and then they would issue a new check. It is 2 months later and still I have no check, nor is there anybody that can give me a factual answer. I continue to get incorrect and different answers from anybody and everyone at US Bank, that goes for branch managers, customer service managers and etc. I have faxed in an any and all paperwork they have requested.