davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To Whom it may concern, On or about XX/XX/XXXX my wife and I were vehicle shopping due to the necessity of a reliable vehicle and were told numerous times that a XXXX XXXX holds it value prior to purchasing this vehicle. I moving forward with this understanding in mind having negative equity of {$3000.00} on a vanXX/XX/XXXX. The XXXX XXXX that was shown on this date which used the most manufacturer rebates was said to and I quote " Eat up was was negative in the vehicle prior '' was the Opportunity of a Life time. This seemed like a great opportunity for a hard working Service member and his family. My wife and I at this time were and still are re-establishing or rebuilding our credit and were told several times that we are taking the opportunity now to get back on track with rebuilding and would be able to refinance this vehicle with a lower payment and lower interest rate. The interest rate that was given was a 12.57 % interest rate and a monthly payment of {$700.00} cents. The total sale price of this vehicle with a down payment of {$910.00} dollars came to {$51000.00} at the very end. I am an understanding citizen that I am and was rebuilding my credit at this time, but this fine print was not understood and sales men tactics were used on a simple XXXX XXXX. I have made several payments on time since this tragic day in XX/XX/XXXX in the amount of {$700.00} each month. I have payed in over {$6000.00} dollars towards this vehicle. I am now {$16000.00} dollars now upside down today XX/XX/XXXX. When I spoke with Capital One on XX/XX/XXXX to refinance the vehicle loan as they originally stated. When no resolution was given. I called and stated that I would have to voluntarily surrender this {$18000.00} thousand dollar appraised vehicle XXXX XXXX according to the dealers. Capitol One assured me that vehicle would be auctioned off and all debt that was left after the sale. I would be still be liable for which is in excess of {$16000.00} dollars. I believe this to be a fraudulent sale. I believe in my opinion sales tactics and customer pressure were heavily applied into this contract and under false pretenses by Capitol One. I am at a loss for this company and how they gave false perceptions to a hard working service member and veteran. I hope my future and financial freedom are still intact after this surprise attack.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX XXXX, XXXX. A teller thought a forged check on my account had been presented. She declined the check and blocked my account. She did not tell me or anyone else. 

In XXXX I began to hear from unhappy creditors that payments from the account were not received and my checks were not being honored. Many days were spent trying to sort that out, and some credit card companies still will not accept payment from that account, requiring time-consuming work-arounds.

I contacted Truist as soon as I understood what was happening and they acknowledged full responsibility for the error. I made repeated requests for reimbursement of penalties and fees and received repeated assurances the problem would be rectified by " close of business today. '' After five months of stalling by Truist ( my request was reportedly declined twice ) I wrote the CEO and got some action reimbursement of fees and penalties. In light of the significant opportunity costs I incurred I asked that Truist provide token recompense ( {$1000.00} ). They responded : {$100.00}, like it or leave it.
Consumer complaint received 2017-06-28
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)

I have disputed 2 medical collections on my Experian credit report numerous times over the past year. Two accounts from XXXX XXXX ( Account Numbers XXXX and XXXX ). They keep coming back verified. I then write the collection agency a debt validation letter 5 times in the last year with tracking numbers! I never get a response from the collection agencies. <P/>I have forwarded all my correspondences, the collection agencies letters to Experian, and proof of delivery, only for them to not delete the invalid records. Two accounts from XXXX XXXX were updated as PAID/Closed by the collection agency. I never made a payment and never would have on a debt that does not belong to me. <P/>I have numerous times requested and advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided, so I can contact them. If Experian can get a response I want a copy of it so I can pursue HIPPA violations and legal remedies. <P/>They refuse to delete these invalid records. I have requested numerous times method of verification and whom they spoke to so I could contact them. How do you they keep verifying a debt when I ca n't? I have been dealing with these 2 invalid collections for over a year now. <P/>I have even reached out to hospital where the alleged debt occurred, with no response.
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Talbot, Adams, & Moore, Inc. (TX)

Recent review of my credit is showing debt that I have signed for and unaware. This debt is hindering. I have tried to speak with the companies in regards to this matter and to no avail. I want all items removed from the 3 credit bureau asap These companies are leaving with no other options to seek legal counsel with the purpose of suing.
Consumer complaint received 2017-06-28
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)

XXXX   XXXX  was contacted by me on  XXXX / XXXX / 2017  regarding unauthorized inquires on my credit report which they are reporting to potential creditors, I informed them that I ha already spoken with the companies whom the inquires came from and each company state that they have already been in contact with  XXXX   XXXX  to have their inquiry deleted. When I contacted  XXXX   XXXX  today they informed that it is not there responsibility to verify that the inquires are accurate and that they did receive information from the creditor to delete the inquires from my credit report they were not going to do it.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

So I have been in the process of obtaining a mortgage to purchase the home I currently live in at XXXX XXXX XXXX. For 3 weeks now now my mortgage broker has been unable to pull a credit score for me from Equifax ( despite having credit established for several years ). Calling Equifax and as told by my mortgage broker I likely had some incorrect personal information in my Equifax report, in order to clear that up I was told by Equifax to submit by facsimile a copy of my current drivers license and social security card. On XXXX XXXX I submitted the requested documents ( copy of ID and social security ) by fax, on XX/XX/XXXX I followed up on my submissions and called to confirm that has been received. I was told they were under heavy load and that documents could take up to a week to process, but could not be told if they were indeed received so I resubmitted the documents by fax on this date as well. I followed up again a week later on XX/XX/XXXX ( now almost 2 weeks from the first submission of these documents ). I was told the same thing and suggested that I mail in the documents ( not sure why that should be necessary or the corrective process be constrained to something so slow, especially when faxing was an option stated by Equifax representative for resolution ). On Sunday XX/XX/XXXXI faxed the documents again, hoping they would be less buried in submissions if sent on an off day. Following up today on XX/XX/XXXX I was told something worrying, that they could not pull a file on me and that perhaps my lending institutions had not submitted their reports to Equifax ( the other bureaus have my score, and no problems with access to my file ). Calling one of my lending institutions ( XXXX XXXX ) I was assured that these reports are submitted monthly. This information also worries me because I may not be able to request a credit report that does not exist this is costing me a great deal of time, and I would also like some advice, should I submit to Equifax the requested documents by mail? And should I initiate a request for me free credit report by mail from them? May that accelerate resolution of this issue? Equifax Customer support line is basically a brick wall, and there is no way to escalate the issue resolution to a level where a solution can take place.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C. (MN)

I hope this message finds you well. I am writing to seek assistance regarding my XXXX XXXX account, which has been charged off while I was enrolled in a Hardship Program due to my financial difficulties as a victim of XXXX XXXX 

After discovering my past due account, I contacted XXXX XXXX and was informed of the need to check in monthly. Despite my efforts, I recently learned that my account had been closed due to non-payment, even though I was following the program 's requirements. {$5500.00}. 

I have also received threatening letters from Gurstel Law Firm without prior communication. I was served papers stating I would be taken to court if I did not respond. My attempts to reach them have been met with rudeness, adding to my stress. 

As a single mother of XXXX, including a child on the XXXXXXXX XXXX, I am struggling to provide for my family while relying on government assistance. The ongoing stress is affecting my mental health, and I fear for my family 's wellbeing. 

I believe my rights to fair treatment and support are being compromised. I kindly ask for your help in addressing this situation so I can focus on my family 's needs.
Consumer complaint received 2017-06-28
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. (FL)

My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on XXXX is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (FL)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

COMENITYCAPITAL/XXXX this was opened in XX/XX/XXXX and I did order some items before XXXX however I had some issues with some of the items that I had ordered and returned them back to XXXX and they are still showing a balance owing the items were sent back in XX/XX/XXXX and i am still getting harassing phone calls from a collection agency from this company who sent this to collections
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I spoke w ith 3 supervisors at Captial One,  on  XXXX / XXXX / 17  ; regarding an Annual Membership Fee of {$59.00} I was charged, on  XXXX / XXXX / 17 . My concern was this charge should not have been applied to my card and must be an error, reason being my credit cards with Capital One have all been upgraded and do n't have a membership fee associated with them. The supervisors would not assist me with the fee but rather told me the only way around this fee was to close the account. Or wait until there is an offer available to upgrade my card, to a card that does not have a membership fee. Capital One is forcing fees on consumers and trapping them in credit cards, knowing ; educated consumers will not irrationally close their credit card accounts without such actions affecting the ir credit score .
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (HI)

The info midland provided to credit reporting agencies are contradictory to the letter they have sent to me. Specifically the last payment date should reflect XX/XX/XXXX both in their letter to me and to their report to the agencies, which is not the case they stated it was XX/XX/XXXX to the agencies.
Consumer complaint received 2017-06-28
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 continues to say they are still verifying through this company which is incorrect and untrue. I also received information from Equifax advising XXXX is reporting correctly and that is untrue. They were REMOVED from my report on XXXX/XXXX/XXXX and placed back on XX/XX/XXXX. Now XXXX is BACK ON MY CREDIT REPORT. The accounts were disputed, but they will not do any investigation about these issues. Per The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. According to FCRA 611 ( 15U.S.C 1681I ) Certification of accuracy of information. if any information has been deleted from a consumer 's file, the information may not be reinserted by the consumer reporting  agency. if any information has been deleted from the consumer 's file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This has not been done AT ALL. The credit bureau has not verified any information nor did I receive any documents that XXXX would be placed on my file let alone reinserted. Please review and help me get the resolution that is justly needed in order to clear my name and my credit.
Consumer complaint received 2017-06-28
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. (FL)

To whom  it may con cern I am having an ongoing problem with Transunion since the begining of  XXXX   2017  where they refuse to remove collections off my Credit Report it is prevrnting me to establish new credit it has become frustrating to deal with each time i dispute with Transunion they continue to reply that its factual i am suffering the cause for whats not mine i am a victim of identity theft i send certified mail on  XXXX     XXXX    2017    they revieve mail on  XXXX   XXXX   2017 . I call numerous time i dispute online say reply factual.   XXXX  The Collection as follow :  XXXX   XXXX  {$560.00}   XXXX   XXXX    {$1400.00} Hard Inquirie   XXXX   XXXX
Consumer complaint received 2017-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of J.A. Cambece (FL)

XXXX from The XXXX XXXX XXXX contacted me via a recorded phone call on XXXX about a debt I uncured with XXXX. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XXXX/XXXX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that XXXX has reported that a balance of {$580.00} was written off. I wrote a letter XXXX in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XXXX XXXX, XXXX, I was contacted by a Law Firm called J.A.CAMBECE asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XXXX XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.
Consumer complaint received 2017-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VEROS CREDIT, LLC. (CA)

They company that I am filling this complaint is called XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They seem to be a high risk loan company with very high interest rates. When I purchased the XXXX XXXX XXXX I knew my financial situation and at the time was making good money so I did n't have a vehicle at the time so I purchased this impulse but. My payment was {$420.00} a month now it 's fine up to {$480.00} a month, they are charging me insurance late fees plus a {$10.00} over the phone charge. This company will start calling since my 1st months payment on the day my payments due and will call 4 to 5 times a day. They tell me the 10 day grace period period under California law does n't apply to them and if I read the contract they said they can use any means to try and collect in the debt. I 've asked for proof of their insurance and they have refused to this day to provide me with any. My check engine light has been on since I bought the car, which it never would of passed smog with it on. They used, used catalytic converters to try and get the light off. To this, day the light is on and wo n't pass smog. They offer in their emails to help but only make a deal to get a payment. Their ruthless when they call and will call from over 20 different numbers. They 've left rude messages on my phone. " Like oh my god I almost told him it was veros credit '', not realizing she had n't hung up yet. I would also be interested in a class action against this company. Since all of this I went and bought a brand new XXXX XXXX XXXX about a month ago. I have no more intentions on paying on a vehicle that has no chance of paying smog without paying the out of pocket expense to get it legal to pass. I would appreciate any feedback or advice, or at least kept In the loop of any action taken against this company. I have plenty of proof with the amount of calls I have received from this company and just from the XX/XX/XXXX i have over 25. Thank you for your time. XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Within the la st three mont hs, I have been attempting to co-apply for financing. In reviewing my credit reports with the  XXXX  agencies, I have discovered  XXXX  public records of Tax Liens on my report.  XXXX  is a federal lien, as recorded by the  XXXX  County Clerk 's office, in the amount of {$12000.00} on  XXXX  ( joint lien ), and the other is a state tax lien ( West Virginia ), recorded in the  XXXX  County Clerk 's office in the amount of {$3100.00} on  XXXX . These are NOT my liens, as confirmed by the IRS and state tax authority - it is a person of same name, but not my social security number. Both  XXXX  and  XXXX  have removed this misinformation from my report, but Experian has NOT. I had Experian admit to me, on a recorded phone line, that they do NOT CROSS CHECK SOCIAL SECURITY NUMBERS! This is outrageous and unacceptable, and this is negatively affecting my credit, and causing me distress and an inability to obtain credit and/or loans and mortgages. I have filed a complaint with Experian, and they said they will take up to 30 days to investigate. Again, unacceptable. I ask for your assistance with rectifying this situation with immediacy. Thank you.