davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have submitted request for removal of unauthorized inquiries into my credit report to both the credit bureaus ( XXXX, XXXX, XXXX ) and the companies that requested my credit report ( [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX  Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX - XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX - XXXX Inquiry from XX/XX/2018 ], on three different occasions and till date I have not received a response from anyone of them.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I checked my credit report today, XX/XX/2018 and noticed that the XXXX XXXX   account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX XXXX credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX XXXX for payment.
Consumer complaint received 2018-07-26
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. (NY)

Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the Equifax breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX  twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over XXXX points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Security Credit Services, LLC (NV)

I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called security credit services. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and security credit services there contact number is XXXX
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

Within the last few weeks I've been having a lot of issues with PNC Financial Institution. There have been three separate incidents that have caused me to think that this corporation may not be as reputable as I once thought. My first two issues were temporarily resolved however, this last transaction dispute that I've had with them is the absolute deal breaker. An ACH debit was processed in the amount of {$700.00} on XX/XX/2018 which caused my account to overdraw in the amount of $ XXXX. I was correctly accessed a {$36.00} fee, bringing the balance to XXXX. There were three separate deposits of {$240.00}, {$30.00} and {$2.00} were made on XX/XX/2018. There were then 5 other transactions that went through for a total amount of {$45.00}. Another deposit of {$450.00} was then transferred to the account. The deposit was made at XXXX eastern time which is in fact prior to PNC XXXX XXXX deadline for a deposit to avoid insufficient fees. At XXXX on XX/XX/2018 my account had {$0.00} available as a result of the deposits and transactions throughout the day. On XX/XX/2018 I was accessed two more {$36.00} fees. The {$450.00} deposit that was made on XX/XX/2018 was showing as pending. It has been told to me in the past that if the deposit is " pending '' it is still showing in your account which should prevent from receiving fees. I have reason to believe that PNC bank is scamming their consumers by adding inaccurate fees. Please see my attached documentation that which reflects the each transactions including the deposits. In addition, it has also been told to me by a PNC rep and branch manager that their system is reflects differently than that of which the consumer is able to see via their online or mobile banking. That is unethical because consumers are misled to believe that there accounts are in good standing only to be inundated with fees.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I have federal loans serviced by American education Services. I recently did an audit of ALL my student loans and came across 2 loans that are not mine. The disbursement dates were XX/XX/XXXX, which is impossible since I graduated in XX/XX/XXXX. 

In XX/XX/XXXX, I requested documentation for these specific loans and all I received was my original consolidation application which was date stamped XX/XX/XXXX. These questionable loans are not on that application. I called AES every month to send me the documentation. I talked to supervisors and their supervisors ... no one could give me any good information. They sent me that same documentation 8 times! Finally, in XX/XX/XXXX one customer service representative told me to write a letter contesting the loans. So, I did and I did not receive one piece of mail or phone call associated with that letter. So, I continued to call and badger them until FINALLY some one with a brain told me I had to file FRAUD paper work. I received that FRAUD packet in XX/XX/XXXX. 

To be in compliance with their Fraud procedures ... I was required to send a copy of my passport, SS card, driver 's license, and two other documents that had my signature on them. I also had to file a police report and include it in my packet. Plus, I had to fill out the 5 page  application on where I was living, who I was banking with at the time of the fraud. And get 3 of the pages notarized ( including a page of just my signatures ). It was an extensive process. 

In the instructions of the application it states that AES has 15 days to conduct the investigation. Well, after 15 business days I called to discuss the status of the application and they told me they have until XX/XX/XXXX to finish their investigation. Mean while, they put ALL my federal loans in Forbearance. That is not what I wanted at all! Only two of the loans are in question and I do not want my balances to accumulate interest. 

When I called to take my loans out of Forbearance. I was told to leave a message. And of course I did not receive a return phone call. This company is beyond IMCOMPETANT. I want these fake loans off my account and off my credit report since I have been paying for them since XX/XX/XXXX and they can not come up with any evidence that they are mine. I keep asking them ... how did I take out federal loans if I was not in school? This case needs to be escalated and they need to be accountable for their sloppy document control, bad customer service, and maybe even fraud.
Consumer complaint received 2018-07-26
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 (CO)

I traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with Capital One causing my credit report to reflect my account being 3 payments late and a drop in my credit score.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (OH)

I have a unverified account from CBE. I had previously disputed this account. I have never done business with CBE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a signed contract, proof of claim, any documentation for my legal protections and rights to know if in fact this claim can be enforced upon my person.
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo has my mortgage and my husband refinanced our new home in XX/XX/XXXX with them for an adjustable mortgage My husband died in XX/XX/XXXX and I have consistently paid over the payment required.

They recently adjusted my mortgage my 3.125 to 3.625 and I have a payment of XXXX and made payment of XXXX. 
the original loan was XXXX and new balance is XXXX. 
There have been things about this mortgage which I have questioned but talking to them gets me nowhere, Now this payment they gave me XXXX on principal and rest on interest. I got credited amount over XXXX to principal. 
Never Never Have i ever had only XXXX of the regular part of payment applied toward principal. 
I really believe because I have been paying so much consistently over mortgage amount that things just are not right. My husband got talked into this loan and I remember them saying by paying XXXX over amount due we would knock years off loan. 
. There is something way wrong with this entire mortgage and I do not know what to do?? I can remember in the beginning I had made a payment early and got no money credited to principal and only interest and they told me no one told me to make the payment early. I got no where with them and now I wish someone would review my payments and the practices of Wells Fargo mortgage, I really believe Wells Fargo has some questionable practices and I realized my husband consented to this mortgage but something is wrong and I need help. 
I do remember they wanted to increase the amount and I told my husband no way because mortgage total due would be more and we did not do that.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. ()

Regarding my acct. # XXXX XXXX XXXX XXXX ( closed ) While residing in the USA I was a member of XXXX, and was issued a XXXX Visa card with special XXXX benefits. My account was never delinquent, and paid in full each and every month. When I relocated to XXXX in XXXX of XXXX, I paid an additional {$400.00} on my account to ensure that it would not be overdrawn or become delinquent during the moving process. After arrival I attempted to access my account online but could not. For reasons unknown to me, and which I can not explain, I could not contact anyone at XXXX  XXXX  to render my change of address. Access was blocked. After numerous attempts I was finally able to contact a customer service rep in Florida, who supposedly recorded my request for information about my account and learned that it had been closed, and the credit balance of {$400.00} was sent to my former address in XXXX XXXX. I don't know why they closed it, it was not at my request. The rep said that her identity verifying equipment was XXXX and she would call me back the following week. That week, and many more, came and went but no call ever came from her, or anyone else. Since then I have tried again to reach someone without success, and finally wrote a letter addressed to both of the following : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX and to XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. That letter was dated XX/XX/XXXX and so far I have received NO RESPONSE. Anything you can do to help me get my full refund of at least {$400.00} would be much appreciated. 

Please note : Attached is a copy of my husbands statement indicating that CitiBank had our correct address. The change of address was given to both accounts at the same time.
Consumer complaint received 2018-02-07
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. (GA)

I sent several certified letters to EXPERIAN advising that the bankruptcy that's showing on my public record is invalid and needs to be removed. An investigation was done and it came back verified. I then contacted the clerk of courts to ask them how do they verify information, especially incorrect, to EXPERIAN. I was advised that they ( XXXX XXXX XXXX ) do not verify information to credit bureaus. With this information, EXPERIAN still has not removed the bankruptcy.
Consumer complaint received 2018-04-09
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. (TX)

The account/company name is XXXX XXXX which is being reported on my Equifax credit report with a {$430.00} balance. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing with the most recent written communication being sent on XX/XX/XXXX. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

In addition, I have contacted the creditor in which I have not received any form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (FL)

I have requested that this creditor provide validation of debt with itemized breakdown on the account they are attempting to collect on and they have not done so. I have requested that this be done on multiple occasions. I have sent out certified letters via USPS mail with the most recent being XX/XX/XXXX to NCC Business Services. It has been well over 60 days and I have not received any correspondence as of yet. The collection amount is listed on my credit monitoring site for {$220.00}. Prior to this a different creditor had the account which I requested validation of debt from on XX/XX/XXXX, it was never received. At some point after maybe mid to late XX/XX/XXXX is when NCC Business services took over, I requested same info in XX/XX/XXXX and am getting the same results months later, no one can seem to validate.
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX I called into XXXX company to follow up on multiple calls my father had received. My father had been called numerous times asking information about myself. He was told that I should contact by Friday XX/XX/XXXX to avoid further legal action. I decided to call. I spoke to my case worker who told me about a debt from XXXX. She said there was a 2 hour limit to stop further legal proceedings. I had to pay or get served with papers at my address or work address. I mentioned I didnt own this money, that by my recollection this debt had been payed off. She said that they only take written pay off debt notice. To stop the further proceeding I was told to make a payment and could call to cancel the payment plan if I had found my debt payoff letter. I made a {$50.00} payment and commitment to pay {$50.00} every 2 weeks. I called later that day to mention that this debt wasnt reflected on my credit report and asked for proof of debt. I was told I would recieve proof by email by Monday. I also asked for a mailed copy. On Tuesday XX/XX/XXXX the company called me and I called them back. I asked about my payment receipt and my proof of debt. There was no answer. I mentioned that I would not pay them if I didnt receive this information. I was told good luck in court. I called again to get their company name, address, and corporate phone number. I didnt receive any information and was transferred to a supervisor. I was told that due to me making a payment I had restarted the timeline for them to collect the debt. I was never told this information on XX/XX/XXXX. I asked for proof of debt and was told I would receive in email within 1 hour. I have yet to receive proof of debt and receipt of payment. This debt is 8 years old when they are trying to collect on it. I dont have any information about this company other than the name XXXX and phone number XXXX. I was told none of their communication is done through mail and I could only receive an email. Upon researching statue of limitations for Virginia is 6 years.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (VA)

I opened an account at BB & T bank in order to be able to manage my social security banking. I was sent an official check but the Treasury Department and my check was put on hold for over a week. They said its because I have a new account but I tried to make a deposit at the atm and my account has been frozen until the hold is taken off of my account. I have been in contact with the bank and each time I try to fix it the situation seems to become worse for me. This company is holding my funds hostage and its a shame. Im am on XXXX and the stress of all of this has become too much.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST (CO)

I'm a victim of fraud and I sued Bank of the West. I was first offered a settlement by XXXX XXXX, which she reneged on.. 

Apparently I'm now being offered another settlement, but, the law firm that Bank of the West hired is too sexist to deal with. XXXX XXXX XXXX XXXX. I don't understand how to talk to a law firm that has all female support staff and the lack of ethnic minorities in management is baffling. 

This level of sexism and discrimination is something that I've never, ever seen. I never even conceived of this situation before now. I don't know what to do. I'm being denied a settlement and am being treated differently because I don't know how to deal with sexism in practice.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

Apartment complex I previously lived at imposed a debt long after I had left. They stated there were damages to the property. There is no proof in receipts of work done or actual damages. I am requesting to have this collection removed and dismissed. This is a tactic by apartment rentals to nickel and dime. I left the apartment in excellent condition.