davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
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. (OK)

I disputed the account XXXX ( XXXX XXXX  ) {$120.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) is. I have never signed an agreement with XXXX ( AXXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with XXXX, Experian and XXXX  and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$240.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX  XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

Hi, I placed an online order on XX/XX/XXXX, the merchant charged my Citibank credit card on the same day. But the merchant never shipped the items to me or refund the item, even though the merchant refused to do anything ( send me the item or refund ) and from that time to now ( XX/XX/XXXX ) I never received the items, after I contacted them. I had to dispute this transaction through the online bank on XX/XX/XXXX. After a few days, Citibank emailed me that this case has been solved. Yesterday I found that the amount I disputed on XX/XX/XXXX was charged to me again on XX/XX/XXXX. It is so weird, I checked all the transactions on my Citibank credit card several times between XX/XX/XXXX and XX/XX/XXXX, but I did not see this transaction. I think this transaction happened after the credit cards statement was issued ( the issue date is XXXX every month ), but this transaction was charged on XX/XX/XXXX. Why is this happening to my online bank? What did Citibank do? 

Thank you for your time and attention Best Regards XXXX XXXX
Consumer complaint received 2020-06-20
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. (ME)

Car crash on XX/XX/20 My insurance totaled vehicle and paid XXXX what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by XXXX and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. XXXX  has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed.

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/2020 I am disputing the debt as reported by Midland Funding for {$630.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Consumer complaint received 2020-06-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

Back in XXXX, my wife and I joined our checking accounts at SECU in XXXX, NC. I have an autodraft loan of XXXX a month. I was told then that the autodraft would transfer over to the new checking account. It did not. In XXXX I was debited XXXX for a missed payment in XXXX and for XXXX. I did NOT recieve a call or letter notifying me of a missed payment. I called and was explained everything and I requested the EFT be set up. I was told it would be by the bank. Today they debit XXXX again and was told the same thing, missed payments. Nobody called me and I did not receive a letter about my missed XXXX payment. I was told they see the EFT is set up now since they auto drafted 2 months of payments and was told there was nothing they could do as far as the extra amount.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (NC)

Thank you for reviewing the complaint. After reviewing the credit report choice recovery which is collecting on behalf of unfamiliar source continues to place items on the credit report. Requesting validation of all information pertaining to the amount displayed.
Consumer complaint received 2020-06-20
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: AMERICAN EXPRESS COMPANY (MD)

Amex continuously pushes marketing ads to me for their Amex Offers. I decided to try one and added it to my card and then went to the participating merchants website and placed an order. Amex never gave me the promotional credit. I inquired and they said it was because the merchant was excluded ... from their own offer. That made no sense, so upon further questioning Amex said I didnt get the offer because I used paypal to check out. 1 ) I added the offer that was advertised 2 ) I made a purchase from the merchant using my amex card. I am bamboozled how Amex can try to weasel out of honoring its own advertised offer.
Consumer complaint received 2020-06-18
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. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for and was accepted for a Capital One Quicksilver credit card in XX/XX/XXXX, with an introductory 0 % interest rate for 15 months. When I received my XX/XX/XXXX statement still said that 0 % interest applied, but to be safe I paid the full balance to ensure I would not be charged interest. When I received my XX/XX/XXXX statement it confirmed that the full statement balance had been paid in time, yet still charged me {$200.00} in interest charges. I called to query this, and was told that this must be part of the terms and conditions. I have checked said terms and can find no reference.
Consumer complaint received 2020-06-20
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (DC)

I had enrolled in autopay twice with this company, unfortunately it did not go through. When I was aware of the problem I fixed the problem. The company however has not. I have been told that the reporting are to old and can not be removed. This is stopping me from moving forward with a refinance of my property. The amount is {$15.00} per month.
Consumer complaint received 2020-06-18
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. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-06-20
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. (OK)

Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Medical All the accounts above I was a joint card holder, I need all 3 credit Bureaus to fix the error we are now on month 3 with no resolution. It caused me to loose my score that I was building up and when I addressed the score that is reporting incorrect due to their own error, they told me to work with a credit consultant. So now I have to hire someone to fix their mistakes? Then all my accounts that were closed were suppose to be removed under agreements. They do not want to do a proper research and correct the issue nor my score. This has caused me to be rejected for credit and loans that I need to support my household.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MS)

I inquired about the $ XXXX monthly fee on account XXXX XXXX XXXX at Regions Bank late last year. I was told that if we have a paycheck direct deposited into the checking account, the fee would be waived. We pointed out that we do indeed have a paycheck direct deposited into that account every month and the branch manager said " he would take care of it ''. I've been charged {$8.00} a month ever since. I bring it up EVERY time I talk to anybody at Regions and they always assure me " they will take care of it ''. They have pulled {$48.00} out of my account in XXXX that should not have been taken out and it appears they will continue to do so indefinitely. This is WRONG!
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX XXXX {$490.00} XXXX  XXXX {$87.00} XXXX   XXXX {$78.00}
Consumer complaint received 2020-06-20
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. (CO)

On or around XX/XX/XXXX I received a call from a PI regarding my auto lease of a XXXX XXXX XXXX. Account was not late, I was provided the incorrect account number by an overseas representative. I was facing a repossession for payments that were made to an account that was not mine. I was promised all late fees were going to be removed as well as the derogatory marks made on my credit. I was told over a recorded line by a rep in your repo department that I should place the car in my garage until the payments can be taken from the account I paid and be credited to my account. He said this would take 24 hours. I had to call out of work the next day so my car did not get repossessed and I could leave it in the garage. I drove around hopeless for 2 hours on the phone as I feared stopping the vehicle and getting it taken from me for making my payments. Fast forward, my lease is messed up and the account stays in a derogatory state. They made me make a payment the night I spoke to them but the payment was always a month behind. I understand there was excess wear and tear and over mileage on the vehicle. On the bill there is a repossession fee ( vehicle was never repossessed ), late fees that were promised to be waived, and one remaining payment which was made. I am not willing to pay these fees. 
I will be willing to pay the mileage and wear and tear fees at a settled amount to remove the balance off my credit and show the lease as 100 % satisfied. I have done multiple disputes with nothing back. The information shows different on each bureau as well.
Consumer complaint received 2020-06-18
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)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

I wrote the company a letter requesting validation of debt, this was XX/XX/2020. 
I requested the credit bureaus to validate debt and the pandemic happened and I received no answer. 
I tried calling in XXXX I was told that they would remove the debt and I wasnt liable. It was removed from XXXX  but it remains on XXXX  and XXXX. And it shows on XXXX  twice with different dates. 
Several years back this company place this on my report and I had it removed. Just for them to change dates and put it back. Very unfair
Consumer complaint received 2020-06-20
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. (OK)

Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.
Consumer complaint received 2019-10-15
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. (FL)

I have had an account opened XX/XX/XXXX with XXXX XXXX XXXX and the account was paid off XXXX of XXXX. I asked them numerous times since this account is PAID IN FULL to please remove from my account. I have had no luck getting this removed from my credit reports. This is why I am making this complaint.
Consumer complaint received 2019-12-26
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. (TX)

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  some other banks showing over limit b/c of my breach they need to to correct this asap bc im looking to buy a biz it's causing some weird scores to show up see attached documents
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently got the capital one XXXX card. I was able to make a few purchases with no issues and then all of a sudden it said my account was restricted and I couldnt make purchases. 

This is not right. I have two other capital one credit cards and Ive paid them in full every month and have had a relationship with capital one for over 3 years now.

When I called customer support they just said a concern was on the account and someone would get back to me within 7-10 business days. Excuse me but what? Im assuming because its a new card and I was spending large purchases it triggered it. Why do I need to wait this long?
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

We opened a Store Card with Amazon through Synchrony in XXXX XX/XX/2019. Payment due dates are set for the XXXX of each month. We had initially set up for the card to take an auto payment of Min Due. 

Our First bill came, and I paid the card on XX/XX/XXXX. Which was more than the Min  Due. 

On XX/XX/XXXX it then tried to take a Min Due payment and was rejected, even though we had already paid more than the Min due. 

So we called and had them turn the auto payment off, after they told us that even if we make the payment it will still take a payment. 

XX/XX/XXXX I then paid the card off this was for the XX/XX/XXXX invoice. 

XX/XX/XXXX I paid the XX/XX/XXXX payment, and then it again tried to take a payment. And I had the bank reverse it. And called to complain. 

The rep told us it can take 30-60 days to disable auto pay and that's why it happened. She then assured me its now turned off.

I told her your website says that Auto Pay cancelation is 2 business days not 30-60.  She apologized for the confusion and left it at that. 

I then made the XX/XX/XXXX payment on XX/XX/XXXX. And we received a letter that our account has been closed for 2 returned payments. 

I continued payments until we had a brief hit in XXXX XXXX with Covid, they reversed any late fees due to covid, and I then continued to pay the card off. 

I then spoke to them again, as it showing on our credit as closed by credit grantor is dragging our score down. 

When I spoke to them today they said it was closed due to delinquency. I said the account was never delinquent it was always paid 15 days before due dates. The issue, was we assumed that if the min payment is XXXX and we pay XXXX, that the auto pay would not then try and take a payment. As we had already paid the min and more. 

And we then assumed after we turned off auto pay it would not be an issue again. But they still took another auto pay.. And then closed the account for the two returned auto pays. Even though I had paid the account manually before the payment due dates. 

Talking to them is you had two returned payments sorry cant help.. and don't seam to understand I had already made the payments and had auto pay canceled. Its not my fault they say it takes 30-60 days to turn off when the site says 2 bussiness days. 

I would like them to reopen the account and remove any negatives.
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello CFPB, I would like your help regarding my credit card debt TO Capital One. They closed my account, I got some fraudelent charges that I'm not aware of. Payments that I don't recognized, I always just pay every month the minimum due. Like {$50.00} + dollars. I only owed them {$1800.00} and I just paid them a week ago an amount of $ XXXX. Now they are charging me for those returned payments and my balance is showing now as {$3400.00} plus something. Again, I Didn't know anything about all these payments and they are trying to charge me with this and it shows on my balance. It's funny because I just got an email that. Says : " Returned payments arent reflected in your balance and wont be applied to any remaining minimum payment you may have. '' But clearly this is not what is reflected in the account. So please can you help me settle this. They told me that I should also be in contact with the collections and check again the balance if it changes anything but I guess this is only their way of misleading you. Thanks in advance! Thanks for the help. 

XXXX