davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back in XX/XX/2019 XXXX XXXX stole my info from XXXX  XXXX  along with other homeowners information and used it as fraud in my credit cards and bank accounts. I have 3 police reports regarding the incident. I have disputed all things however capital one refuses to accept the fact that my accounts and credit cards fell under fraud.
Consumer complaint received 2020-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NJ)

I have an installment loan with Lending Club. For the last few months I have been making more than the minimum payment. Thereby reducing the principal each month. This has reflected in a reduction in the interest I owe them per month. On XX/XX/XXXX of this month I added {$600.00} more to the payment. I always call in the payment to instruct them to reduce the principal with the added money I am committing as I did on XX/XX/XXXX. The phone call is always prefaced by a recording which states that the phone call is being recorded and it is an attempt to collect a debt. As always I instructed the agent to apply the additional payment to the principal and I would be making XXXX 's payment as scheduled. She acknowledged the same. The following day I checked to see how much of a reduction in interest there was based on the prior months additional principal payment. To my surprise I saw that lending club took it upon themselves to pay XXXX 's payment and hit me with a whopping {$270.00} interest charge instead of an approximated {$180.00} charge. 
I immediately call them on XX/XX/XXXX. After 1 hour and 21 minutes on the phone with them after being transferred to 3 other people I was advised it would be corrected in 24-48 hrs. I called on Friday XXXX XXXX after waiting 52 minutes in a queue, I was advised that it was approved and would reflect no later than Monday XX/XX/XXXX. After checking on Wednesday XX/XX/XXXX I saw nothing was done. I called again and was told the only option I had was to make an additional payment but the interest would not be refunded or adjusted accordingly. 
I have since checked their reviews and come to realize after the fact, that this is customary with this company. It surely smacks of fraudulent business practices.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I was enrolled in a covid protection plan as of XX/XX/2020, and was informed that I can miss my home equity payments without negative reporting to my credit profile. Despite Chase 's promise to continue positive reporting on my credit, I was in fact reported late for the Month of XXXX. Despite missing XXXX, XXXX, and XXXX payments, ONLY XXXX was reported as 30 days, when in reality NONE OF THEM SHOULD HAVE BEEN reported as late on my credit as specified by the CARES ACT. I made all 3 payments on XX/XX/2020, bringing the account into a current status. I was promised that there would be NO NEGATIVE reporting what so ever. 

I was misled by Chase, and despite several request to correct the error, they are continuing to report erroneous derogatory infomration on my credit. 

Loan Number is XXXX
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (IL)

National Credit Adjuster is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid this debt off. I never received any phone calls, collection notice, or letters about this debt. This account is still reporting a balance which is erroneous, i need this to be fixed.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I previously filed a complaint with Capital One Bank regarding the collection of debt. I requested that Capital One Bank prove the debt they allege, is my responsibility. I received a letter from Capital One Bank stating that they do not have the original contract with my signature. I am enclosing that letter. I sent a letter to Capital One Bank and stated the following : Dear XXXX, I received your letter dated XX/XX/XXXX, on XX/XX/XXXX, regarding my complaint filed with the CFPB. I did not state that this account was opened without my permission, I stated that Capital One Bank has me confused with my son, also XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, Arizona, XXXX. 

Since there is no contract with my signature on the document, there is no possibility of differentiating between my son and myself. If you have the original contract with my signature on this document, please forward it to me immediately. During the time that you allege I opened this account, I was in the hospital recovering from a serious XXXX XXXX. 

You stated in your letter to me that the account was opened online, there is no application copy to provide you. 

The lawsuit filed by your attorney, XXXX XXXX XXXX, at the court in XXXX, Arizona, under the allegation that a breach of contract has occurred, is incorrect. In Arizona, in order to prove that a breach of written contract has taken place, the actual contract with the debtors signature must be on the contract. If there is no contract as you stated in your letter, there is no valid claim of breach of contract. 

Apparently the Capital One cardholder agreement states that Arizona law shall control, and, since the contract alleged by you and is now admitted to not exist, and not signed by either party,  whatever agreement might have existed between myself and Capital One must be an oral contract. Since the statute of limitations for oral contracts in Arizona is three years and since Capital Ones lawsuit was filed three and a half years after the date of the last transaction, Capital Ones case is also time barred. 

Capital One Bank has violated my rights under the CFPB rules and is therefore liable for damages to my good name. I am in consultation with an attorney regarding the filing of a law suit against Capital One Bank in this matter. 

I am requesting in this letter by formal demand that Capital One Bank cease and desist from all collection efforts in this alleged debt that you have brought against me. I want Capital One Bank to petition the court where the lawsuit is filed and ask the court to dismiss the case and vacate the judgment that has been instituted. The case number is : XXXX. 

When I receive a letter of confirmation that these matters have been closed and the case listed above is dismissed and the judgment vacated, I will cease with my lawsuit and we will consider this matter closed. 

I expect an answer to this letter no later than XX/XX/XXXX, so I may proceed accordingly. XXXX XXXX XXXX
Consumer complaint received 2020-01-14
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. (CA)

I found out that there are several accounts reflecting badly on my credit report today XX/XX/20 when I was denied from opening a credit card at my bank. None of those accounts belong to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts. I have never had any written/verbal contracts with any of these companies.
Consumer complaint received 2020-03-04
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. (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. 

XXXX XXXX {$910.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX  XXXX {$1200.00} XXXX XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX  XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX  XXXX  XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (CA)

I have two merchant accounts with Fiserv.My two merchant account # are XXXX and XXXXThey held my funds since last year.I filed a complaint last month and they said that will release my funds to my XXXX  checking account ending in XXXX.but i still have not yet received it.My XXXX checking account is still open and active.please release my funds to my XXXX  checking account immediately.And please tell me that when was the first day that fiser think that the hold of funds can be removed? ( when was first day that my held funds was able to release by fiser? ) .And if i did not file a complaint with them will they trying to hold my money forever? Thank you so much.
Consumer complaint received 2020-01-14
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. (IN)

On XX/XX/2019 I contacted the following credit bureaus : XXXX, Experian and XXXX. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : Student loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

DiscoverCard contacted me at XXXX on XX/XX/XXXX to inform me that they needed to verify my personal information with the IRS  and that I needed to immediately sign a form allowing them access to my tax returns if I wanted to keep my account open. As a Discover cardmember at the time I complied with their request as I was a Discover cardholder in perfect standing with them, never a late payment, never a missed payment ). My account had been open approximately 3+ years without a negative issue occurring at any time. 

Discover shortly thereafter closed my account upon informing me that they could not verify my information with the IRS. I contacted the IRS  and they informed me that all of my information was correct. Discover representative informed me that the IRS did not verify the information and if they did she would not know any longer because they just closed my account without finding out if my information matched the information with the IRS. She very snarkily mentioned that I should have filed my XXXX tax returns by now ( XX/XX/XXXX ) and if I didn't it wasn't Discovers fault. This will have a serious negative impact on my credit score and my belief is that Discover acted with malicious intent. The IRS  confirmed that the information they have is correct. 

I had recorded the conversation with the representative at Discover and it is available upon request.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IN)

on XX/XX/XXXX I received a letter from citi bank for the shop your way card saying that they were closing the account do to delinquency of payments I have had this card for 2 years and never used it it has caused a drastic drop in my credit score because of their actions. I do believe that this is a blatant slap in the face.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (MD)

I have spent 2 hours typing this and this webpage just reset itself and your upload wont let me upload so I cant send everything through upload. I will send everything thought the document upload. M & T did not change my account like I asked to have done before I went in for XXXX. I was never informed of there being 2 different free checking accounts and neither was my husband when he went into change his account and our joint account before his XXXX. Because M & T Banks associate was either neglectful or the associate or M & T was extremely deceitful. M & T bank says oops were sorry its a misunderstanding. A misunderstanding where I lost a lot and they gained it. M & T was not up front about their account types or explained what changes were made when my husband changed over the 2 accounts. My husband was unaware that the 2 accounts had been changed to a completely new account type. I am sorry if this doesnt make a lot of sense. I am trying to be fast because the website resets and clears everything and I have to start over and the upload wont let me upload. Only update since that is M & T Bank completely wiped out all the money my husband had put in there for bills. When my husband went to talk to them they pretty much told him ol well we can do what we want If XXXX name is on it. Really? This account has been being disputed since XX/XX/19. Now M & T has taken every account that has my name on it into the negative. They didnt even leave money in the joint to cover the pending transaction. I am guessing every account in my name is in the negative because I have been fighting this since XX/XX/19 and Im not sure who can help me so Im sending it everywhere. M & T has now stolen $ XXXX from us.
Consumer complaint received 2020-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received a letter from client services attempting to collect on a debt that was already charged off and removed from my credit report I was also contacted by phone by the same credit service the following day. They are attempting to collect a debt of XXXX dollars it is from my understanding that in this time that no one is supposed to be collecting any money at this time
Consumer complaint received 2020-01-14
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. (NY)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.
Consumer complaint received 2020-03-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I was disputing a Bankruptcy on my credit report that Experian verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them Experian stating they were able verify that bankruptcy from my credit report by saying it was accurate but they failed to giving any proof on how they were able to verify it. i waited over a month with hopes that they will send me another letter with the verification i asked for but still i got nothing. ... .. 


Also for XXXX i also asked for the method of verification with tracking numbers XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 i received a letter from them stating they verified the Bankruptcy with the Bankruptcy court located on XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXX. I eventually went to that bankruptcy court in person and they told me when i got their that they don't verify bankruptcies with the credit bureaus. They gave me a letter stating that. After that i sent that letter to XXXX  through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 i asked them to remove that bankruptcy from my credit report because it could not be properly verified. As of XX/XX/2020 i have not gotten a reply from XXXX.
Consumer complaint received 2020-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC (OK)

This is a follow-up to claim # XXXX. Target Cash is refusing to settle the account which they clearly stated they would below. 
Target Cash Now is in receipt of the complaint filed with the CFPB. We take all comments good or bad very seriously. The following is our response to the items noted. First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer, XXXX XXXX. First and foremost, Target Cash Now is committed to complying with the spirit of all applicable federal laws and the laws of the XXXX XXXX XXXX XXXX. In regard to Ms. XXXX, the loan terms and conditions, as well as repayment options, were explained to her at the time of loan origination. Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. Specifically, the APR is disclosed both on the Target Cash Now website, as well as the loan documents that are reviewed and signed by the customer. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Ms. XXXX at each point by mandatory electronic signature. The loan agreement signed by Ms. XXXX is legally binding, and we have every right to expect payment as scheduled in the agreement. We certainly understand our customers experience financial difficulties from time to time, and we appreciate Ms. XXXX diligence in paying off her previous loan with Target Cash Now. Regardless, as a gesture of goodwill to a valued returning customer we will consider Ms. XXXX obligation settled for what has been paid and consider this matter closed. This will be notated in Ms. XXXX file. We will make every effort to reach Ms. XXXX utilizing the contact information she has provided to us. Correspondingly, Ms. XXXX, at her convenience, may call our customer service line and she will be directed to a representative who can assist her with any questions. We hope that this letter resolves any concerns. As noted above, Target Cash Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Respectfully, Target Cash Now
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Even though my credit scores are good, I am unable to get a loan, credit card or anything financed due to the complete incompetence of Experian. 
Their computer generated answering system placed a security freeze on my account without my request, permission or approval. 
The cost of this egregious error is substantial. When I finally realized the error, I called to correct their incompetence and now have to send written letters detailing who I am. They should be required to have a live body with a functioning brain answer for their computer XXXX ups. XXXX XXXX refused a new card because of this as did XXXX XXXX and several others.
Consumer complaint received 2020-08-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Email from an XXXX XXXX XXXX XXXX : XXXX threats of asset seizure, court summons, wage garnishment, damaged credit.
Consumer complaint received 2020-08-04
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. (MN)

The current XXXX XXXX credit card account with a balance of {$16000.00} is in bankruptcy and the debt has been discharged under Chapter XXXX bankruptcy in the United States XXXX XXXX  of Minnesota.
Consumer complaint received 2020-08-04
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. (IL)

We purchased windows for our home XXXX a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you XXXX XXXX