davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is knowingly and inaccurately reporting false information to the 3 CRA 's. I had an unpaid charge off for XXXX dollars on a XXXX dollar credit card that became delinquent when I became unemployed in XX/XX/XXXX. On a credit report dated for XX/XX/XXXX, Capital one shows and open date XX/XX/XXXX and a Closed Date XX/XX/XXXX. I agreed to settle this account for XXXX dollars under the agreement that the balance be updated to XXXX and the account status be updated to paid. As of XX/XX/XXXX the account was promptly updated on my XXXX and XXXX reports to reflect a XXXX balance and paid status. They then REAGED the charge off account by updating the close date to show XXXX which is incorrect, since the account was closed in XX/XX/XXXX. Furthermore, the balance on my XXXX Credit Report was NOT reflected to show a XXXX balance, in fact the balance looked as though I had only paid XXXX dollars of the balance instead of sticking to the agreement to update the balance to XXXX, I had to call capital one and file a dispute to which they sent me a letter admitting to inaccurately reporting to my 3 major credit bureaus and agreed to immediately update the account on all 3 bureaus. However the update sent to the CRA 's on XX/XX/XXXX is still inaccurate as the " Closed date '' on my XXXX credit report still states XXXX where as the other 2 reports still have XX/XX/XXXX. This major and inaccurate update to my credit reports cost a significant decrease in my Fico Scores and in turn cost me my mortgage. I have disputed this account with the CRA 's as well as capital one on NUMEROUS occasion and they are refusing to report this account accurately. Capital One needs to remove this account in its entirety from my credit reports due to inaccurate reporting and non compliance with FCRA Guidelines
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (NJ)

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act.

1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Consumer complaint received 2019-06-10
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. (TX)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX**** account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Davis and Goldmark, Inc. (CA)

They contacted my family members multiple times, and my employees telling them I was in debt and that they were gon na sue me. They call very early in the morning. My family has asked to be taken off their list and they receive phone calls daily.
Consumer complaint received 2023-01-10
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: NAVY FEDERAL CREDIT UNION (FL)

I opened an secured credit card account XX/XX/2021 with Navy Federal credit union for the total amount of XXXX funded with cash to build credit and I was told after XXXX months that I would be consider for a unsecured account in XXXX months after a review with the bank. I was also told if I was approved that they would match whatever had had in my savings account and add that to my secured credit card, so with that in mind I decided to put an additional XXXX on to my credit card to increase the amount to XXXX on XXXX XXXX I was approve for the increase and there was no issues. I noticed about a month later that my savings account was in the negative of {$2900.00} but me not having experienced with credit cards I assumed that it was an error on the bank end and went on with my life. Navy Federal never contacted me, Never sent an overdraft letter in regards to my account being overdraft. I didn't take the negative amount seriously until I called in asking information on how I can increase my chances of getting approve for an unsecured credit care three months after I signed up for the card and that's when the representative told me that I was reponsible for the negative account and wouldn't be elgible for the unsecured credit card until it was paid. I told her that that couldn't be accurate because the {$3000.00} was made and if it wasn't how why did Navy federal allow me to utilize the XXXX and charge me interest on the money for several months if the account was not in good standing or if they never received the initial required payment for the card to be issued. I got the run around, I got I don't know, I got well when we went in to take the funds out of the checking/savings account the XXXX was there so that's why your account is in the negative, so I said well it must have been a computer error or the payment was actually applied to the account through the the system by ach transfer allowing the XXXX limit increase and she said no we never received the payment. I contact serveral associates including branch managers and also requested an investigations on where my XXXX XXXX dollars went if they didn't get the payment and all I got was a packet of bank states for a year but nothing showing that XXXX XXXX dollars was not applied to the credit card. I am writing this complaint because I get at least three calls a week from navy federal in regards to this credit card and every time I tell them why I am not paying they still cant resolved the issues and I am still responsible for interest rates, late payment ect. I want this issues solved in a fair manner and I want all my money back plus interest.
Consumer complaint received 2022-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC. (VA)

This was what I found out was an illegal loan here in the state of VA with astronomical interests rates and was eventually sent to the 3 major credit bureaus and has caused significant damage to my credit rating. The Attorney General 's office has filed a lawsuit and has stated that NetCredit loans in the state of VA are predatory and illegal. Attempted in the past to have them not put it on my credit report and a few years later they did anyway. Seeking legal options now to have this expunged and sue for this issue!
Consumer complaint received 2019-02-12
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: United PanAm Financial Corp. (GA)

I sent mail to all three credit bureaus informing them that the information that they have on my credit report is not accurate. I sent along with that letter of dispute to them a bill with my current address and a copy of my driver license. They have me with three different addresses that I no nothing of and the I want that false information off of my report. The time that I sent the letter of dispute was XXXX of XXXX. And I have still not received or heard back from them. I also informed them at XXXX that the collections of {$1200.00} that they have on my name is not me. This happened XXXX XXXX, XXXX. And I told XXXX XXXX XXXX also on XX/XX/XXXX that they also have a false balance on me for {$900.00} that I known nothing of and that it needs to be removed. Have not heard back from them as of today. Also XXXX has a collection on my name that I don't know about as well and I asked them to remove it to the balance of {$190.00}. XXXX XXXX. And XXXX XXXX   XXXX XXXX I sent them a letter of dispute on XXXX XXXX, XXXX disputing the fact that they have the wrong information on my credit report. I never have taking a loan from them at and to please take my name off of the credit reporting agency for {$8.00}, XXXX I have never dealt with them.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I made a prior authorization with this company in the past on XX/XX/2019 and that was all agreed to take from my card {$500.00} now fast forward and on XX/XX/2019 they illegally took {$4600.00} without my consents. Someone forged my signature and I tried disputing the charges and my bank ( Santander ) and they keep giving me a XXXX  XXXX excuse to my denials to contact the business but they are in XXXX Fl ( XXXX XXXX place ) and no one is returning my calls or responding to my voicemails. I have been calling everyday and I get hung up on or sent to voicemail or left on hold for hours. My bank wont help me or fight for me and this is too much money to loose. I have the signature from my 1st transaction I did authorize for {$500.00} ; then 7 weeks later they charged me and forged my signature the XXXX handwriting doesn't even match. I was robbed and need my bank to get my money back.
Consumer complaint received 2019-06-10
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)

I am in disagreement with the items listed on my credit report as having late payments..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim. It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX XXXX,
Consumer complaint received 2019-06-10
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. (WA)

I began tracking my credit more proactively towards the end of 2017. When I first reviewed it there were so many errors! I actually will show proof of the binder I began keeping when starting out. Experian alone can review all dispute records as well, since I have a experian account along with retaining copies of prior disputes since. I also have copies of certified letters I had sent to creditors and the credit agency. I finally just last week got Experian to listen after almost 2 years of explaining there were fraudulent accounts on my report, multiple disputes, letters and phone conversations. I have asked for different information multiple times in regards to disputes on accuracy, account ownership and more. More recently before deciding to take the route of filing a complaint through here I disputed again through Experian. It only took a few days before they AGAIN came back with everything being updated. Nothing changed except the status. I have received no validation of any of these items and some are just corrections to balance, payments, and/or status. I am requesting for all information pertaining to what they have on file in regards to these accounts enacting my FCRA rights. If this is not done, I will be reaching out to the attorney general for the state of Washington. As a XXXX XXXX XXXX who is constantly being called to duty/training, it should not have to take multiple years to correct information across my reports just because I do not have constant means to fight their responses to get things corrected.
Consumer complaint received 2019-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (KS)

Do you not actually read the complaints against your company? I filed a complaint stating I have been locked out of my online account since XX/XX/2018. I can not access records I need, because they are located in my online account. I stated to you THAT I HAD CALLED XX/XX/2018, to have this problem resolved. Yet in your answer to my complaint you wrote You must contact XXXX XXXX   to authenticate your account and request your account be unblocked. Again, I told you in my complaint that I made that phone call on XX/XX/2018. I expect to have access to my online account because there are pertinent records there of my forbearance, which is in question.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CT)

i was one of the clients of wells fargo bank that was given too many unneeded bank accounts by the same person who worked there. I made a complaint in XXXX and I was assigned a person to over look everything but they didn't help me, I try to get them to send me 3 yrs of bank statements so I can show them all the fees I was charged because all the unneeded bank accounts they set me up with. the same person that set me up with all the unneeded bank accounts she also added another person to my account in XXXX or XXXX the person was added was my ex girl friend ( XXXX XXXX ) it was only myself and my Mother before they added XXXX she was only supposed to be restricted to one account but the teller put her as head of the account, she added her through fax meaning she never had to go in the branch she had her sign paperwork to be placed on my account and had her fax it to her, by the teller doing this I never saw what she was giving her access to. the same teller that did all this is now a bank manager there now, come to find out this was fraudulent because the teller was supposed to have her come in the branch and fill paperwork out in front of her and myself so I can see what access my ex girlfriend ( Miss XXXX ) was going to have, by her adding her as head of the account my ex was able to order credit and debt cards with out my knowledge, I lost everything my business my house everything! I have to file for bankruptcy now. I know that wells Fargo got in trouble for letting there people that work there set people up with too many unneeded bank accounts. please have some call me so I can explain furred in more detail, my lawyer told me to contact you first because you guys can help me settle this with the bank asap. this ruined my whole life please help thanks
Consumer complaint received 2019-06-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

This past year in XX/XX/2019 my insurance agent presented a new home owners quote, instead of policy through XXXX XXXX. I agreed to make the change in XXXX. The new policy went into effect XX/XX/2019. I received a notice from the insurance company that payment from the mortgage company had not been received. I contacted them last week on XX/XX/2019. And was asked to forward the bill from the insurance company to the mortgage company. I did that, but today, the bill has still not been paid, and i discovered that the mortgage company took out another policy on my home for over double the cost of what I pay per year. I want them to cancel the forced policy, because of an error in accounting. Insurance has been in place without a lapse in coverage. I would like the amount paid to be refunded to us as soon as possible.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Consumer complaint received 2019-06-10
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2019-06-10
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: SUNTRUST BANKS, INC. (SC)

I had a Line of Credit with Suntrust for many years. After moving to a state where Suntrust is not located, I quit using the account but maintained it as open paying a {$15.00} annual fee. I had never missed a payment. 

This year, I tried to make that payment but had no record of the account number. I called Suntrust for help, but the person receiving the call could not help me find the account. If I had received a paper bill, I would have paid it again. 

Unknown to me, the bill went past due and Suntrust ruined my credit score ( XXXX to XXXX ) by sending in credit info that says it " was seriously past due ''. They made no attempt to remind me of it being due. It was a {$15.00} annual fee, not credit extended to me. 

I filed complaints with XXXX, XXXX and XXXX with no satisfaction. I have copied and a certified letter reciept where I sent payment and asked to close the account. They closed the account under the " closed by lender '' classification. 

My complaint is that I reached out to Suntrust to pay the bill when I was finally notified of it. Their Customer Service department could not help me. If I had been notified earlier, or by mail, it would have been paid. I never missed a payment for more than 10 years. This type of late payment should not ruin my credit, no distinction is made on my credit report that this is an annual fee or that they didn't notifiy me, or that I called to get help paying it after I was notified. 

I want my credit report to be corrected to Pays as Agreed and closed by account holder. I will not let it go as it ruined a credit score I spent years developing and will cost me interest in new loans going forward. Advise them I am planning a lawsuit for damages incurred. 

See attached. Even at my written request to close the account, I am still getting statements.
Consumer complaint received 2019-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently turned XXXX and tried to sign up and find my credit report. Although this has not been very easy. My identity can not be verified by any credit report sight available. I went up to my social security office and I was told to contact the credit site over the phone. None of the calls I made ever made it to a representative instead they were all automated and got me nowhere. I am upset because this has been an ongoing issue since I first got a credit card.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

sent all required documents that supports my ftc violation claim inquires caused were not removed XXXX : XXXX : XXXX XXXX experian rpts ar XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5 times XXXX XXXX XXXX twice XXXX XXXX experian : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I closed the credit card account and it has {$160.00} credit that they will not send to me. I spent over 40 minutes with the chat line, then over 25 minutes on the phone with the credit card department giving my social security number, drivers license number, address, phone numbers, etc.and all I get is " we will call in 1-2 business days '' or " we will call in 2-3 business days ''.
Consumer complaint received 2019-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (OH)

XX/XX/XXXX made a {$140.00} purchase through XXXX. Loan expiration was XX/XX/XXXX. This was an EQUAL PAYMENT NO INTEREST loan. All payments were to be calculated by Synchrony IN FULL. Automatic payment of {$830.00} was made on XX/XX/XXXX. The {$140.00} loan was to have been paid off. It was NOT! {$2.00} remained. Synchrony online posts this warning : " Promo Alert : You have a promotional purchase that will expire within the next 30 days. '' This alert is NOT sent via email or phone call or text. I called XXXX and spoke with XXXX. He had a series of excuses that implied it was the system and that I was liable. He said he could take the {$2.00} payment information from my debit or credit card. I advised him that I was contacting XXXX management and the CFPB over this repeated deceptive and fraudulent practice of cheating customers. I have manually made the {$2.00} payment online however I have no confidence that Synchrony will even apply that payment to the balance. XXXX management are investigating. This has been a repeat complaint. I have advised XXXX management once again to seek other more honest financing options than Synchrony such as XXXX. Why is it that the CFPB allows Synchrony to continue with this type of fraud and deception?