davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
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)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX GA XXXX Account Number : XXXX [ XX/XX/2018 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains [ a 30, 60, or 90 days past due date, was past due 120 days or more.

I want you to know that I understand my financial obligations, and if it werent for [ My mum was in a bad medical state and I had to put everything on hold to take care of her ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ I have gotten a better job and I am in a better state financially ]. I will like to make payment arrangement in return to have my late payment history deleted and I promise not to miss one payment going forward.

Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [ date ]. 
Thank you for your consideration, and I hope youll approve my request. 
Best, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (FL)

While reviewing my credit report I noticed a charge off account from XXXX XXXX. I have never had an account with them. The information on my report read their name, no account number, no payment information, just 90-day late payments, there is also a balance for {$110.00}. No other information could be found. So, I called the customer service number on the website and was transferred to the credit department. I was repeatedly asked for the account number and order number, when I was unable to furnish this information, I was transferred without notice to another agent. This happened three times. I finally was asked again and when I could explain the situation, the young lady told me to fill out an application for fraud on the FTC website and mail it to them. Well when I explained that the site is down due to the government shut down. I got an oh well is there anything I can do for you response. I asked if she could provide me with information that validate the account was mine or even an account number she said no and to dispute with the bureaus and file the claim for FTC. They wasted 20 minutes of my time by placing me on hold and transferring me to agent to agent without notice and still could not verify or provide me with any information. Please do not contact me through email, mail, or phone. All contact is to be made via this website only.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On today XX/XX/XXXX Experian posted that my lender XXXX has reported {$5000.00} balance but i spoke to them and they confirmd that thy only report once after my closing statement the XXXX of every month. I have a statement which i have attached, plese see below. 
This is an on going thing with the credit bureaus especially XXXX, Experian and XXXX. Under the FCRA all consumer rreport so be accurate. Experian and XXXX both said the lender updated the information but its impossible because if they only report once after the XXXX of every month why would they send the XXXX and then again the XXXX? 
This information is inaccurate and it is hueting my score as well as my uilization. There needs to be a better way and time to the responses because by the tim they repond they score would change and it is defetaating the purpose on my end of trck my score and usage if these bureaus are going to change on there own. I need to know who reported this and why. I am frustrated and i will sue each bureau for this inaccuate information and the hurt it is causing me. Please attach proof of amount due which should be 2019
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I had a loan with us auto sales and of course we all know they went out of business and transferred our information over to westlake. I was making payment to westlake until I noticed that my payment looked like I haven't even been paying on it and then I checked the loan term months with us auto sales that I had and it was only 65 months and then I check westlake and it's says that it's for 140 term months. Westlake is constantly blowing my phone up for payments. I checked their website and it's says a debt collecting company but when you XXXX westlake it says finance company. Which is it? I asked for my contract with them and I never received one 4 months now. This was my first car I purchased alone and I had no help, to be treated like this is crazy. I just want my title that's it, so I can wash my hands with this company. I think we all deserve our title and westlake and us auto sales can crawl out of a hole that they dug themselves not the customer and them. All the money I pay is going to interest, maybe that's why they make us pay twice a month and if it's 3 pay period in one month, guess what they make us pay all three times.
Consumer complaint received 2019-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (LA)

Santander Consumer USA approved a car loan for me in XXXX with a very high interest rate of 19 %. I have been struggling to pay the note sometimes but I manage to make the payments. Back in XXXX I went to work on a different job so I was making the monthly payment as well as sending an extra XXXX to XXXX a month when the months had 5 weeks. I was sending XXXX extra a week they were taking XXXX a week in interest and applying XXXX a week to the principal even though I had my monthly payments auto debited from my account each month. The extra XXXX a week I was sending was suppose to be going toward the principal. After I had sent XXXX extra dollars and couldn't get Santander consumer to put those extra payments toward my principal I stopped sending extra. I got laid off from my job in XXXX of XXXX. I started sending in XXXX a week to cover my car note as I was getting unemployment payments for XXXX a week. and XXXX a week for 4 weeks is XXXX which will cover my note of XXXX I am having problems getting them to apply those payments correctly each month. I sent XXXX for 4 weeks in XXXX which was to cover my XXXX payment but every time I call them they give me a story. Back in XXXX when I paid the extra XXXX they told me that even though I had maid the extra payments it did not guarantee me that my principal balance would go down so I asked them to refund my XXXX since it did not reduce my principal balance and they told me XXXX of the extra XXXX a week i was sending was going to interest at which the interest had been satisfied for the month because i was paying my monthly payment plus the extra each week while I was working a good job. Please help me get my money back or at least applied correctly
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

I signed as guarantor for an apartment for a year starting in XX/XX/XXXX to XX/XX/XXXX. 
I ensured all rent was paid through the agreement I signed. 

The renter extended the rental beyond the time I guaranteed. The property advised me there was nothing needed from me to end my commitment once the time expired. 

the debt collector has made every possible effort to collect from me not wanting to accept the signed notarized agreement with begin and end dates as valid.
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I went to XXXX XX/XX/2021 for two years while I was in XXXX someone hacked into my bank account and transferred money from my bank account at Bank Of America using XXXX I found this out when I got my a power of attorney to be able to send me money while in XXXX that my account was frauded I tried to contact the bank on several occasions but couldnt get into my account due to not having the proper credentials due to the fraudster changing my information I tried to have my power of attorney make a claim but the bank would not let them and said I would have to do it when I got home this person explained to them that I would still have to come in there myself due to the activity on the account so I finally got XXXX two years later and filed the claim I provided them with a police report number and all the transactions that where fraudulent they denied me about 4 days after the complaint stating that laws governing electronic transactions the consumer has one year from the date of an unauthorized transaction to recover any loss from their financial company I called and reopened the case and sent in proof of XXXX that same day I did that I got another email stating that laws governing electronic transactions is that the consumer has one year from the date of an unauthorized transaction to recover any loss from their financial company I have been trying to explain to these people that I had no way to make the claims due to me being XXXX and provided proof and they still closed my case again and not trying to refund me my money
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (PA)

I received a Vanilla Visa Gift Card as a gift, with a balance of {$50.00}. I've already registered the card as a debit card and it is active until XX/XX/2030. In the past month, I've tried to use it at XXXX, and the transaction is always denied, even though the purchase amounts were less than {$50.00}. I've tried to contact the company via the phone number listed on the back of the card, but none of the outgoing prompts are particular to this situation. There is no prompt to speak to a live customer service rep, and there is no email address to contact them. My only way to reach them is to send a letter via the US Postal System, which is very inconvenient and time consuming, and there is no guarantee they will respond to my request for help.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

Our daughter 's Kia XXXX was totaled, and we replaced it with another identical model. Both were financed through Kia Finance America ( https : //www.kiafinance.com ). 
Our insurance company was provided a payoff for the totaled car, and they paid it off. In between the ordering of the payoff and the delivery of the check, Kia Finance drafted another payment from our account, resulting in an overpayment. No big deal, shouldn't be a problem, we figured it would be automatically and promptly refunded. When it wasn't, we called to follow up. We were told it was sent, they verified our address, told us it had only been a month, wait a little longer. We waited a few more days and called again, and they said, they had been mistaken, it wasn't sent to us, it was sent to our insurer, as the last check had come from them. We called our insurer, XXXX, and they said we don't receive overpayments on car loan accounts, and we wouldn't even know what to do with that. We called Kia Finance, and told them what the insurance company said, and they said we had to GET A LETTER FROM THE INSURANCE COMPANY AUTHORIZING US TO HAVE OUR OWN REFUND. This is crazy, but we actually got that, and sent it to Kia. Another month went by, and we just called today. They have taken no action to solve the problem. Today, they told us they can see the check wasn't cashed, so they will cancel it and send a replacement TO XXXX AGAIN. They have already been told, in the letter they made us obtain from XXXX, that the refund should go to us.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (AR)

When looking at my credit score and history, a credit card shows up that I have no idea of till just recently. It is 99 % capacity, $ XXXX out of $ XXXX. The card was made back in 2016, when I was a minor! This literally showed up on the credit report randomly like magic. There's literally no way for me to pay any of that cause I didn't spend it or have access to the card. I can not get a hold of the bank, CITIBank cause, again, I have no access to the account. Even with access to the account and me magically having that much money, credit score predictor shows that I can not revive my previously good credit score. I have had a fraud alert on the identity and credit for these last couple of months, so this is even more fraudulent, When double checking my credit through XXXX, I got a number to call support and the only human I got was for debit accounts. which wasn't helpful cause I have no idea any of the information that is associated with this account. How are they even connected to me but I don't have any access?! My ssn isn't even connected!
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX of XXXX, I went to apply for a credit card from a XXXX and was denied because of collections and incorrect information not matching what I provided. I went to XXXX and requested my 3 credit reports. The one from transunion had the most incorrect information. The first certified mail was on XX/XX/XXXX in which I included my identity theft report I filed with FTC. I sent all the supporting documents including my driver 's license. The sent me numerous letters requesting for validation address which I needed to provide my license and legal documents that's shows my current address in which to removed addresses that aren't associated with any open or closed accounts. Right now I currently have 5 known addresses on my report. I also provide my correct Telephone number which is used as my security alert. They now have 2 phone number listed for me. I've also disputed the 2 hard inquiries on my accounts which aren't associated to me because of identity theft which I provided transunion a copy of that report sent certified mail. I also sent a money order I purchase for {$9.00} on XX/XX/XXXX from the United state postal service and sent it certified mail for my credit score. As of today XX/XX/XXXX the money order was cashed and I never received my credit score. I've sent a total of 6 certified mail from XX/XX/XXXX to XX/XX/XXXX. Ive sent all required information to process my dispute. After losing my mother in XXXX, i havent had the time to follow up with my dispute. I requested my free credit report XX/XX/XXXX. On XX/XX/XXXX I contacted transunion with my dispute questions and where my credit score was and was told it was above their pay grade to answer my questions and they would send it to a supervisor for review. 
Under section 15 USC 1681 et seq, Is federal legislation enacted to promote the accuracy, fairness and privacy of consumer reporting agencies.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-11
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX
Consumer complaint received 2023-08-11
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
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Consumer complaint received 2023-08-23
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: WELLS FARGO & COMPANY (PA)

I received an email from XXXX asking me to XXXX for the business account I ordered. I didnt order this and called the XXXX number to correct this. I was told there were additional charges made totaling {$3300.00}. I was asked to open my computer to fill out a refund form, which I did. They showed me that I made an error and put in {$33000.00}. I was horrified and they asked me to open my bank info and it showed a deposit for that amount. I now know they were controlling my computer and everything they showed was false. They said they would lose their jobs so I couldnt send a check. I wired {$30000.00} and, {$19000.00} because they showed me that only part of the first wire went through and the second was declined. They then told me my only recourse was to buy gift cards, which I did. {$7000.00} on XXXX XXXX, which was considered fraud and removed. I also got {$11000.00} on my Wells Fargo visa. After a month of being shifted between fraud, then disputes, back to fraud and again in disputes, I was informed today that my only recourse was to go the merchants to see if any money was left on the gift cards. 
I reported this on XX/XX/2023 after buying the cards on XX/XX/XXXX. My entire checking and savings was gone, around {$57000.00}. I dont have the resources to pay this as I am now on social security with a very small pension. 
I reported the scam to the XXXX XXXX Police in PA incident # XXXX on XX/XX/XXXX and an XXXX report on XX/XX/XXXX. I also submitted a scam complaint to the PA Attorney General on XX/XX/XXXX. I also sent a copy of the email to the XXXX phishing website an feceived phone calls and emails from them.