davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was behind on the loan. I set up a payment arrangement with the company. Capital one. I was on time every month since the arrangement. It came directly out of my account. They have reported me take to the bureaus as late every month. When in fact I have not been late. I called to get some answers. The tech was rude and he was so muffled I couldnt hear. I asked for a supervisor. To no avail. He said someone would call me back. No one ever called back to explain to me what was the problem or why I was reported late.
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OK)

I Have a Best Buy Citi Card. Mistake i know, Problem is the fees and interest on a charge that was not mine have racked up 2x the total cost of this fraud. And i remanded my self to pay the minimum to keep my credit in tact. Now after a whole 18 months ive been locked out of my account and the XXXX XXXX dollars ive already paid to this card has not gone to the principle of something like XXXX XXXX dollars. Yet they refused to give me any evidence of the claim and rectify the card issue. Someone used the number out of state to order some items when i didnt have the card in use. 

Ok so now 18 months later best buy after i brought up this issue has locked me out of the account online. Which is the only way to access the account i dont get mail for and the dont contact me about. They disconnected my auto pay and left it to default with the only way for me to may a payment is over the phone. Funny enough they demanded today i pay a fee with that payment for them to give me back my online access. So i kindly declined, I was smart enough to record the conversation after they attempted to slightly steer me to a different customer service dept which apparently none of their phones are working. Or maybe i just made them uncomfortable that i know my rights. They can not change rules for one person and make it seem malicious or vindictive as im the one trying to pay the bill thats been non current for 3 days. Not from my own actions. So i called back numerous times told them i wanted to pay online as ive done since the issue 18 months ago and finally this last time was rudely hung up on and told to " Figure it out ''. I Just cant believe this is how CITI and Best Buy operate, I knew of there Scams on repairs in house and warranties but i dont even do business with them anymore im just paying the minimum on a card ive technically not even used in almost 2 years.
Consumer complaint received 2024-12-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Auto Trakk, LLC (PA)

I feel they should be removed from my credit report. The information is being reported and accurately as my last payment was made in XX/XX/XXXX not XX/XX/year>! Theyve also never charged for excessive mileage wear or tear or damage. I am a past employee of the company and I feel this is a personal attack at me charging me for the excessive mileage and where tear and damage.
Consumer complaint received 2023-01-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of the receipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XX/XX/XXXX. These are violations of the Cares Act as well.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Employer : XXXX Date Updated : XX/XX/2017
Consumer complaint received 2021-03-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have contacted ACE Cash Express several times at the beginning of the pandemic stating that I had a 100 % loss of income and that no payment arrangements will be made until my employment is back up to a manageable level. They refused to work with me. I sent them an email restating the same thing. I'm doing all I can to feed my son during this time while attempting to rebuild an income. I'm 100 % on unemployment right now. No arrangements will be made until income is restored. 

They have repeatedly contacted me regarding this debt after I contacted them to stop the harassment. They have showed up to my dead father 's home in the state of Michigan, six years after his death. They have contacted my brother in the state of Michigan after I told them to stop harassing me. 

They have filed a lawsuit in the state of Texas in XXXX XXXX regarding this. I have contacted the phone number and case number regarding this legal claim and was told I need to deal with Ace Cash Express directly. They were not even able to provide me with a contact and phone number. 

I have contacted ACE Cash Express AGAIN, at their corporate offices and very explicitly and blatantly told them to stop harassing myself and my family we are in the middle of a pandemic and millions including myself are still unemployed. It is unconscionable that this is happening during this time after they have been repeatedly told the situation and to STOP HARASSMENT.
Consumer complaint received 2022-12-14
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. (TX)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$790.00} DEPTEDXXXXXXXX XXXX Balance Owed : {$29000.00} DEPTEDXXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00}
Consumer complaint received 2021-03-31
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It appears that Bank of America sent me XXXX XXXX XXXX credit cards on XX/XX/2021 ( based on BOA email ) to replace cards that were expiring in XXXX. 

The cards expiring in XXXX were infrequently used with XXXX not used at all XXXX card was acquired originally in XXXX and XXXX cards were for me-XXXX  and XXXX stopped using cards years ago ) the other XXXX used primarily for monthly recurring bills - XXXX XXXX XXXX and XXXX XXXX see bottom of this list. These recurring bills were paid monthly by the cards for at least a year and there were very few one-off purchases with this card. 

I never received the ( XXXX ) cards and the first fraudulent charge occurred on XX/XX/2021 using a card with a chip. I was notified by email from BoA on XX/XX/2021 that there was " unusual activity detected ''. I contacted BoA that day and went through the list of fraudulent charges with BoA XXXX   Department when the list was already XXXX of " unusual '' charges - I did not count the exact number. When I checked my BoA CC account on XX/XX/2021 only about half the charges had been categorized as under dispute. I called BoA Fraud Department again and went through the process again to point out all the ones that BoA had skipped over and the BoA Agent said this should never have happened and she would take care of it. I logged on XX/XX/2021 to verify all the Fraudulent charges had been identified and the list below is what I saw. 

As you can see from the attachment it appears there was a new fraudulent charge on XX/XX/2021 at a XXXX XXXX in XXXX, CA even though my XXXX were meant to have been cancelled after my first call to BoA on XX/XX/2021. You can also see on the attachment that there is a very large number of fraudulent charges - that were reviewed with XXXX different BoA Fraud Agents - that have still not been identified as Fraudulent by BoA. 

My legitimate charges are below : Posted Date Reference Number XXXX Address Amount XX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX CA XXXX XX/XX/2021 XXXX XXXX XXXX CA XXXX CA XXXX XX/XX/2021 XXXX XXXX for XXXX XXXX DE XXXX DE XXXX
Consumer complaint received 2021-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2020 Wells Fargo offered a forbearance. I was told I could suspend loan payments. I took the option. So now Im being told I have to secure another loan or whatever else for those payments. My Wells Fargo account reflects a XXXX balance yet my credit report reflects a XXXX balance. So just what kind of XXXX mess has Wells Fargo done? I resumed payments and have been called twice asking me what my plans are. So are they trying to take properties from people?
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I consumer XXXX XXXX, attempted to obtain my free credit report from the credit reporting agencies and I was getting an error, therefore I can not access this file.
Consumer complaint received 2021-03-31
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. (CA)

There is one account on my credit report that is not mine it is Identity theft I have been writing disputes to all the bureaus regarding this they are not even working or looking at this. It is getting frustrating I opened an ftc for this it causes me great stress everyday looking at this on my credit. 

XXXX XXXX BANK - Acct # XXXX XXXX {$75000.00}
Consumer complaint received 2021-03-31
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. (CA)

There is one account on my credit report that is not mine it is Identity theft I have been writing disputes to all the bureaus regarding this they are not even working or looking at this. It is getting frustrating I opened an ftc for this it causes me great stress everyday looking at this on my credit. 

XXXX XXXX BANK - Acct # XXXX XXXX {$75000.00}
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc. (VA)

On XX/XX/24 I received an alert through my credit card app that my card was closed. When I called to ask why, they responded that I had requested it via email. I replied that I had not sent any such message and then asked why they would accept that email without verifying with me, the cardholder. Their position is that my email address is the only account verification necessary to take action.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I applied for a Wells Fargo credit card. XXXX said my XXXX XXXX was XXXX. Since I wanted to pay my bill online XXXX did deposits of {$0.00} and {$0.00}. and a withdrawal of {$0.00} from my XXXX XXXX  XXXX XXXX checking account. These transactions were successful. In XXXX I paid my bill online. In XXXX I saw the XXXX bill did not go through. I called XXXX and paid both months in full. A few weeks later I received a late notice from XXXX. I called XXXX and they said I did not have an account at Alaska. I have had the XXXX  account for about 15 years and use it for online bill paying. I decided to pay the bill from my husband 's account at XXXX. XXXX said all was well and the bill was paid. Each time we talked to XXXX they wanted the XXXX and account number. I now know they also needed the XXXX digits between the XXXX and the account numbI have made XXXX phone calls and XXXX inperson visits in an attempt to fix the problem.er. In XXXX I saw that none of the XXXX bills along with XXXX other pills on auto pay from XXXX did not go thru. I went to the XXXX bank in person and paid the bill from my XXXX  account. The check cleared. I am now getting notices that my XXXX XXXX has been adversely affected by XXXX. I will be signing papers for a new vehicle in a few days. I live in Arizona and my insurance company. says my rates may go up for 6 months due to XXXX.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I had just gotten a XXXX  XXXX  card which is through Comenity Bank. I used it 2-3 times during the first month. I have been trying to pay my bill for over a month online and on phone unsuccessfully, while it is accumulating interest. For a few weeks when I call they said their offices were temporarily closed due to unforeseen circumstances. Now when i call they keep you on hold and don't answer. Today i was on hold for XXXX hours before I hung up. 

I checked their facebook page and they have a notice I will post below. There are thousands of comments of people having the same issue and they are saying the bank is a Fraud. Please advise me what to do. This is the message : " You can service your account online using EasyPay and Account Center or by phone using our Automated Voice Response System. If you would like to speak to a member of our customer care team, you may experience longer than normal hold times. 
We know our recent system disruptions have been frustrating and inconvenient for some of our valued customers. We strive to deliver best-in-class experiences, but we have recently fallen short of the quality service you expect and deserve, and were committed to improving. Thank you for your patience. FAQs : XXXX XXXX
Consumer complaint received 2022-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc. (NY)

Hi In the mail I received a letter called an Additional Notice to sue from credit Corp solutions in regards to synchrony bank When I went to check they filed this motion with civil court and I had no idea as to why this was done w no notice I have never heard of credit Corp solutions and have never been contacted by them. Also the XXXX XXXX credit card debt is 3 years in XXXX as the last XXXX account was charged off as I had not had the account since 2019 and I did speak to the original creditor Im letting credit Corp and XXXX know the following according to FCRA and FDCPA laws, I am not obligated to pay the collection agency or any 3rd party collectors. Under no circumstances does the collector other than the ORIGINAL CREDITOR have the rights to collect or furnish info to any of the credit bureaus. Also if the debt was written off by XXXX  and my file was sold to a 3rd party collector, then legally credit corp solutions has now paid the debt on my behalf. I did not enter into agreement with the credit Corp solutions to pay the debt off, I didn't agree to pay them at all for paying the debt, and I also did not give the XXXX bank the rights to sell my information to a debt collector or 3rd party collection agency. if the debt belongs to me then please validate
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (DE)

XXXX ( XXXX XX/XX/2021 ) I got contacted by Cedars Business Services via telephone and email. They were trying to collect a debt owed to XXXX. My account with XXXX is up to date and XXXX says I owe them no money and they don't use Cedars to collect debt. XXXX encouraged me to report this as a fraudulent claim. Yet XXXX continued to insist that I had this mysterious debt, and she grew nastier towards me the longer I talked with her. I just want Cedars Business Services, a debt collection service, to respect the truth, that I owe XXXX no money, and leave me alone. They act like vultures, but there's no debt owed in this case. This company has been in business for 24 years, according to the XXXX, so they should know better than to try to collect from people that owe nothing. This company appears to be nothing more than a bunch of scammers hoping to harass people into paying off bogus claims of debt. They should be ashamed, but based on their behavior and the number of complaints against them, I know they aren't.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (TN)

I have been trying to get the collection off of my credit report for months. I have sent in disputes and nothing has changed. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2021-03-31
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)

Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX XXXX {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) 2 Medical Bills which i disputed 4 years ago and shouldn't be on my credit report : 1.XXXX XXXX {$1600.00} 2 XXXX XXXX {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, 1XXXX XXXX XXXX XXXX 2. XXXX XXXX 3.XXXX XXXX XXXX XXXX 4. XXXX XXXX  5. XXXX XXXX
Consumer complaint received 2021-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have downloaded the annual reports that show the account I have nothing to do with. XXXX XXXX has no information. They ask me to send them my SSN and other information, but I fear that they might use it to fill in the gaps in their documents. I will attach to you their response to my complaint. Please investigate this matter.
Consumer complaint received 2021-03-31
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. (TN)

On XX/XX/20, I sent Experian a letter first class mail certified indicating I am unable to identify the original lender of a XXXX XXXX XXXX account XXXX that is listed on my credit profile. This account lists XXXX XXXX  as the Original Lender in error. However, XXXX XXXX holds the note only, as most banks. Therefore, this account and account number does not match any of my records. I have no idea of who the original lender is which is worrisome. 

I have not received anything from XXXX XXXX XXXX in writing nor orally validating the debt or anything to support that I have a debt with XXXX XXXX XXXX. Therefore, I was not privileged to dispute within the initial 30 days of initial written notification. Experian continues to report this erroneous account without proper investigation in which I have repeatedly expressed.. It is my right to know the original creditor under the FCRA which has been violated and has caused me a great deal of emotional trauma during this Pandemic period.