davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (IL)

1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 
During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and PNC. 


2. PNC BANK- Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.
Consumer complaint received 2018-01-23
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. (FL)

Transunion reports my credit utilization as 29 %, which is grossly in error and lowers my credit score by almost 20 points. My TOTAL amount of credit card debt across 3 total cards -- - 2 XXXX XXXX accounts and 1 XXXX XXXX XXXX card has not exceeded {$1200.00} Total in several months. Yet, Transunion, as of X/XX/18, is currently reporting that I have balances totaling {$1700.00}! My actual balances as of X/XX/18 was around {$700.00} ; which is a 11 % of my total credit limit on these 3 cards of {$5900.00} -- No where NEAR 29 %. 

Furthermore, Transunion reports that my untilization went UP during the reporting period, when in fact it went DOWN considerably. 

Transunion reports the highest balances on each card as if they all are simultaneously occuring ; which they are not. Sometimes one card is high and the other is low. Yet XXXX reports the highest balance on both as if they occured at the same time.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX {$270.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title  relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVICES {$270.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

I logged onto the Navient site last week. They have the incorrect school listed online for where I attended XXXX. I went to XXXX of XXXX and they have XXXX  XXXX listed. Also, I feel very confused about where they have allocated my payments and where the payments are going. I get that I owe A LOT in loans, but I do not see where the payments are going.
Consumer complaint received 2018-01-23
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. (FL)

I was a victim of Identity Theft and filed a full police report regarding the Identity Theft and the impact of the negative items on my credit report that do not belong to me. I filed a formal letter to Equifax reporting the Identity Theft along with a copy of the Police Report and asked them to remove the items listed on my credit report that do not belong to me as they were from the ID theft and Equifax has refused to remove these items after 3 months.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

A month ago, I filed a complaint with these Bureaus, but the incorrect information on my report is still there. To my surprise, I haven't heard back from them, and they've already closed my complaint. Can you clarify why they closed it without addressing the issue? Did they even look into my dispute? I need to know that they have properly investigated the inaccuracies on my report and confirmed the accounts. Could you share how they went about verifying my report?
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Debt for Capital One was cancelled and reported to the IRS as income in XX/XX/XXXX. Capital One still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted Capital one on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

XXXX XXXX is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted XXXX XXXX on XX/XX/XXXX to ask to remove the XXXX from credit report as it is what is reporting and was denied that request.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OK)

Years ago I had a cell phone account with XXXX XXXX XXXX. I went through the proper steps to close the account and moved to a different provider. XXXX XXXX XXXX continued to send me bills for service in which I had ended. I repeatedly called their customer service and they would say it has been resolved. Years later I continued getting a bill saying I owed for service in which I did not have. I learned later that XXXX XXXX XXXX has class action suits against them for the same practices. Eventually they turned my bill over to a collection agency in which I have zero correspondence. It shows on my credit report.. XXXX XXXX XXXX has XXXX tactics and poor customer service. If they were to pull up the account for the dates years ago they would see that there was no active account and no activity on the account. I think with research it will be found that XXXX XXXX XXXX has done this with many others.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received my Credit from all 3 credit bureaus, & a Inquiry is showing for XX/XX/XXXX & XX/XX/XXXX it is showing that someone tried to apply for a credit card from Capital One using my idenity. I have never tried to appIy for a credit card from any company as I have no effort and do not wish to have credit cards.I have called Capital one and explaining that this was fraudulent and have spoken with several representatives but have not been successful of getting this Inquiry removed.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I paid citibank {$450.00} which left a credit of about {$150.00}. As of XX/XX/XXXX, I  had a remaining credit balance of XXXX. Citibank sent a check to me on that date, with a notation my account saying I requested the refund, which I had not. I haven ever received the check and cashed it, as verified by Citibank during a phone I recorded with them on XX/XX/XXXX. 

The total charged from XX/XX/XXXX to present are XXXX, which would leave a credit balance of XXXX, but they charged me late fee and interest of {$25.00}, which they refuse to remove, which leave my account past due. 

The mistake is theirs. Until I receive and cash a check, they still have my money. They sent money I did not request. They are applying the check back as a credit but not dating to remove the late charges and interest fees. 

I spoke with an account supervisor XXXX ID number XXXX, who refused to remove the charges until I made a minimum payment of {$25.00}. He said the account was late. I can not have a late account when my credit would still be over {$7.00}. The only thing making the account late is their late fee and interest, which should not have been charged. 

I had this issue before last year. The company is refusing the interest and late fee refund saying that I had a courtesy one before. The last refund was not a courtesy. It was this same exact issue. It took 3 months to get the check and they kept charging fees and interest, when it was their error
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (MI)

Discover account was flagged for fraud and removed from XXXX. Failure to remove from other reporting agencies. 
Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
XXXX finalized the investigation and deleted the file while XXXX never investigated the issue As well as signer of card day it was opened
Consumer complaint received 2024-09-03
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. (VA)

I would like to dispute the following items on my credit report. 

Equifax XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This is really frustrating, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and disregarded. As a consumer, I know I have rights and that very right is being violated with what you guys are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively, it's stressing me out.
Consumer complaint received 2018-01-23
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: EQUIFAX, INC. (FL)

I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and equifax indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I keep getting theses Low APR Balance Transfer promotions at 0 % ( especially with my own Bank of America ). The fine print reads they will charge a 4 % transaction fee for balance transfers. To me the 4 % should be included in the APR. Here 's a copy of what I saw : Low APR Balance Transfer 0.00 % promotional APR until XX/XX/XXXXon balance transfers completed byXX/XX/XXXXAfter that, 10.49 % a variable APR based on the U.S. Prime Rate The transaction fee for balance transfers is 4 % ( Min. {$10.00} )
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (SC)

On XX/XX/2017. A request for that validation was sent to XXXX XXXX XXXX   XXXX XXXX XXXX has failed to respond to this request within the allotted 30 days.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (CA)

XX/XX/XXXX - Everything was fine until I started emailing XXXX NMLS # XXXX. I told her that my home was closing by end of next month and she should start the process. No response. 

XX/XX/XXXX - Requested her to keep tracking of the daily rates and prepare a rate lock for me when there is points towards closing. No response. 

XX/XX/XXXX - Seller request documents from XXXX and she starts the loan process where she needs to collect all my information from me. Orders a rush appraisal since loan would be closing in two weeks. The appraiser couldnt appraise home because it has not completed construction. XXXX said I was responsible for the fees. 

XX/XX/XXXX - I requested rate lock since she never responded to my emails and i would be closing in 11 days. She told me i had to decide in 40 mins for her to lock my rate. This is when the rate was going up in the month and i should 've received a lower rate and points to closing. 

XX/XX/XXXX - requested that i take the first time home buyer course and provide them the certificate. This process takes awhile and should 've been requested earlier. She offered me free courses that I can attend for free to get the certificate. But then when I tried to apply she told me that I was not qualified and it was not necessary for me to attend the course. But now i have to pay {$99.00} to complete the course online and pushes back my loan closing date. 

XX/XX/XXXX - Requests me to sign the Certificate of Occupancy which should 've been signed awhile ago and communicating with seller. 

XX/XX/XXXX - Title signing has been canceled for tomorrow. XXXX was trying to blame/accused the seller for not providing " documents '' on time by making up documents requested from seller.
Consumer complaint received 2018-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank financed my purchase of a XXXX XXXX XXXX in XXXX, after I placed a {$5000.00} down payment ( acct # XXXX ). I have never missed a payment and XXXX XXXX XXXX XXXX claims that I owe them for 3yrs of  auto insurance and because I refused to pay their excessive unnecessary insurance fees, Wells Fargo Charged Off my auto loan and refused my payment of {$450.00} in XXXX of XXXX. Wells Fargo Bank reported this false debt to the credit bureaus and increased the monthly payment amount to almost {$600.00} per month. I complained to the credit bureau about this and was informed that their ( WF ) reporting was improper. But they ( WF ) refused to retract their demand for payment for 3 years of insurance coverage. I have never had an insurance claim with my insurance company ( XXXX XXXX XXXX ), nor have I ever filed a claim with W.F. I have never been answered as to how can they ( WF ) can Charge Off my loan without ever missing a payment. Last year XXXX or XXXX of XX/XX/XXXXWells Fargo publicly announced that they had over 500k auto loans customers that had forced insurance wrongfully places on their accounts. Some even had their vehicles repossessed!