davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recieved in the mail a credit card statement from Capital One with a XXXX   balance and a due date of XX/XX/20 for an account ending in XXXX. I do not, nor have I ever had a credit card account with Capital One. I called the customer service number on the statement ( XXXX ) and reported the problem. The agent said that I had to give him my 9 digit Social Security number in order for him to resolve the issse. When I refused, he said that there was nothing he could do for me without it. Since I am not, nor have I ever been a Capital One customer, I don't understand why they would need my Social Security number or how it could possibly help them resolve an incident of fraud. ( They also asked for my date of birth which I gave them ).
Consumer complaint received 2020-05-04
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}
Consumer complaint received 2020-02-12
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX , XXXX XXXX, FL XXXX Re : Account # : CHILD SUPPORT Dear Sir or Madam ; Click For More Info I disputed the referenced accounts above on ( date you sent them original dispute letter ). The credit report of ( date you recd notification it was removed ) and your report # shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accur
ate.

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably
available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im seeking your help to address the incorrect account listed on my credit report. This matter has severely impacted my reputation, and I require your assistance. The misreporting on my credit report has caused great hardship, and I need these errors corrected to restore my familys peace.
Consumer complaint received 2020-05-04
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be corrected from my file right away XXXX XXXX XXXX XXXX : {$1900.00}.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RoundPoint Mortgage Servicing LLC (GA)

Due to the COVID-19 we contacted our Mortgage Company in XX/XX/2020 to inquire on what options we may, or may not, have for future payments due to the uncertainty of what was to come with the COVID-19 pandemic. At that time they made us aware that our only option was a Forbearance Plan. Since that plan did not financially make sense to us we decided not to take advantage of this plan. We have not had one late, or missed, payment in the history of this loan. So here we are in XX/XX/2020 and we're trying to make a purchase that requires a Credit Check. At this point we've now been made aware that our credit scores, payment histories, etc. all look great, however there is a Forbearance Plan being held against our Credit and is now inhibiting the transaction. 

We immediately called Roundpoint on XX/XX/2020 to address this issue and asked for it to be removed. In a very generic conversation, they informed us that this request would be submitted in the next 24 hours, however it would not reflect on our credit scores until XX/XX/2020. We immediately asked for a letter from Roundpoint to use in the Interim stating that the Forbearance had been removed off the account and was in fact never used. The first 2 responses from that request were, " we don't have anything like that we can do ''. After a 3rd attempt, we were finally able to determine I had to send the request for this letter to " XXXX ''. I've sent 2 emails ( XX/XX/2020 and XX/XX/2020 ) expressing the time sensitive urgency in receiving this letter and I'm not getting anything back except for an automated response " acknowledging '' the email I sent. 

We did NOT approve the Forbearance Plan for our Loan. We did NOT utilize the Forbearance Plan on our loan. So now due to Roundpoints Bait and Switch tactics based off our proactive inquiry in XX/XX/2020, when the COVID-19 pandemic started hitting hard, this has now affected our ability to move forward with a very important additional purchase that requires a credit check.
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FCC Finance, LLC (NJ)

XXXX XXXX XXXX  Called my Son XXXX XXXX to tell him that I had a applied for a potion in a warehouse, my son stated the guys name was XXXX and he I had used my son XXXX as a reference for the job. 

I called back XXXX and it turns out it a debt collection agency who was proving my son with false information in order to speak with me. They had tried to contact me and I had asked them not to call me anymore as I have never done business with this company. 

He also stated he was from the FCC when I spoke to my son on the phone. He called my son at XXXX at XXXX.
Consumer complaint received 2020-03-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MA)

My mortgage was transferred from XXXX XXXX to Cohen Financial. It is very important to me to pay my real estate taxes on time. My mortgage payments are always on time so they have plenty of money in my tax escrow account. My taxes were due to the City of  XXXX on XX/XX/2020. They have not been paid. When I asked the mortgage company they came up with some excuse that they sent the money and the City sent the money back. I have owned this home for 26 years and the City never sent the money back before. What tax collector sends money back? The mortgage company said they gave the City my correct address and tax parcel number.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (FL)

Called into this company multiple times to discuss an invalid collection. All three times i was hung up on by the representatives after simply supplying them with the account info. They claimed they could access my account and hung up in my face 3 times in a row. 100 % unacceptable for a company that has the ability to ruin credit. 

They have sent over debt verification that is invalid. The amounts owed make completely no sense and the signature is no where near mine. 

According to the paperwork diversified sent me, i took out a lease contract for a phone on XX/XX/XXXX in the principle amount of {$380.00} after putting {$390.00} down and {$41.00} per month to pay iy off. Not only did i not take out a contract on this date but according to the most current invoice dated XX/XX/XXXX it says i owe {$480.00} on the same phone a year later. How can i owe {$480.00} on the balance of the phone a year after i supposedly owed {$380.00}? 

As previously stated, ive had multiple unsuccessful attempts contacting this company
Consumer complaint received 2020-03-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (CA)

In XX/XX/XXXX, rather than sending one monthly payment, I submitted bi-weekly half payments to United Wholesale Mortgage per the attached document. Couple weeks after the initial payment, I noticed that my online account did not show the payments posted. I contacted UWM to inquire about the account, and at that time I was informed that they don't accept partial payments. UWM refunded the third payment with a check that was cashed, but the first two checks were not received and sat in a suspense account without posting them to my mortgage. Starting XX/XX/XXXX I continued to contact UWM and requested them to transfer the funds in the suspense account to my mortgage to remove the late reporting, but their response was that they were researching the issue and it would take a couple of weeks to resolve. From XX/XX/XXXX until XX/XX/XXXX I continued to call on a weekly basis requesting updates on the resolution to no avail. I requested multiple call backs from supervisors, but they never called. It wasn't until XX/XX/XXXX that I was able to reach a supervisor that cared enough to apply the funds to my mortgage and clear the account. Attached you will find the list of payments they received and how they were posted, and you will also see that nothing is reported late. 
Their failure to apply the funds sooner triggered the late credit reporting, and they are unwilling to remove it. 
This has adversely impacted my credit score and the ability to open new accounts. I can't apply for new credit because I have been turned down.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

My XX/XX/XXXX statement for {$4100.00} was due on Sunday, XX/XX/XXXX. My payment posted the next business day, Monday, XX/XX/XXXX. I was charged a late fee of {$25.00} and Interest of {$69.00}. The Credit Card Accountability Responsibility and Disclosure Act of 2009 Section 106 ( 2 ) states, WEEKEND OR HOLIDAY DUE DATES.If the payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor may not treat a payment received on the next business day as late for any purpose ( ftc.gov ). My payment was due on a Sunday, a date which the company can not receive mail, was paid by my bank electronically on the following business day, and therefore, should not be treated as late for any purpose. This is the second time this has happened to me. The first time was in XX/XX/XXXX ; my payment was due on Labor Day - Monday, XX/XX/XXXX and was paid on Tuesday, XX/XX/XXXX. The automated system removed the fees when I called in to Citi Bank. Now I'm being told that was a courtesy credit and Citi will only issue one per year. The credit should not be a courtesy ; it should be applied because the company is not following the Act mentioned above. I believe what the company is doing is illegal and is causing financial harm to others and to me. 
Thank you,
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

WE OPENED 2 CREDIT CARDS WITH BANK OF AMERICA IN ORDER TO RECEIVE BONUS MONEY. NEVER GOT IT ON THE 1 ACCT THAT WE MET THE CRITERIA ON. ALSO OPENED A BUSINESS CHECKING ACCT THAT WAS SUPPOSED TO PAY {$500.00} BONUS FOR MEETING CERTAIN CRITERIA THAT WAS ALSO MET. 
HAVE BEEN CONTACTING THEM CONTINUOUSLY FOR MONTHS, NO RESOLVE. BEEN IN TOUCH WITH XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, ALL IN THE SMALL BUSINESS DEPT.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

I opened an account with CitiBank 's Citigold Private Wealth group on XX/XX/2020. I used two checks to open the two accounts ( savings and checking ). 

Checking Acct # XXXX The first XXXX was drawn on a CitiBank account, for {$99000.00} drafted by XXXX XXXX XXXX XXXX, and dated XX/XX/2020, the check number was XXXX, and the routing number was XXXX. The account number was XXXX. It was addressed to myself c/o my estate and trust attorney XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. 

Savings Acct # XXXX The Savings Account check was from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, TX ) and is a regular oil and gas royalty check drawn on Citibank. The Check Number I did not write down. However, the routing number is XXXX. The Account XXXX is XXXX. 

On Friday, XX/XX/2020, I was provided a paper confirmation by Citibank that the funds are available in the account. However, due to an erroneous claim in an " Early Warning Systems LLC '' report, which is a private organization run by seven banks, they are giving little to no information regarding the account. They are saying it is " under review, '' and I have no access to my funds. 

I have received email prompts to read urgent alerts, but I have no access to online banking. Presently, Citibank is holding precisely {$95000.00} XXXX as a credit card payment of {$3000.00} was allowed ). However, my debit card is inactive. I can't make a withdrawal, and my funds are being held up in limbo at this present moment with no light at the end of the tunnel.
Consumer complaint received 2020-05-04
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-04
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (ND)

I have not recieved a Way2Go crad and am trying to order a new one and report that I have never recieved the first one. It is XX/XX/2020. When I call the customer service number it just asks for a card number, puts me on hold for 10 minutes and then hangs up the phone. There is NO way to contact a representative to figure out how to get my child support money off of this card.
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

I called back and emailed to request PMI be removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest. previously I told them that I had filed for XXXX and I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI. I was also inquiring about COVID-19 relief and was told someone would call me back and I have not received a call back so disappointing. I am also being charged a late fee during COVID-19 and requested time and relief. This is serious no response when customers need it please help I can only imagine that I am not the only person this is happening to.
Consumer complaint received 2020-03-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (CA)

On XX/XX/XXXX I cancelled the prepaid maintenance plan that I purchased with the car on XX/XX/XXXX. Per the contract, I am to receive a pro-rated refund for the months not used. I paid {$2000.00} for the maintenance plan. There were 15 full months left in the plan term. At {$58.00} per month, this amounts to {$870.00}. There is a {$25.00} cancelation fee stipulated in the contract, so the refund I should have received is {$840.00}. The contract states that this refund will be received within 30 days of cancelation. It is now XX/XX/XXXX and I have not received a refund. Not only that, but the amount I was told I will be getting back is {$790.00}, which is {$58.00} ( rounded ) less than the calculations based on the contract.
Consumer complaint received 2020-02-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OSG Group Holdings, Inc. (TX)

I received a call from XXXX XXXX who said she was a representative for Debt Management Partners. The number she called from was XXXX. She gave personal information to my spouse without my authorization and called my employer and gave information that was not authorized. I called XXXX and asked her to cease and desist any further collection activity and to stop calling my spouse or emplyer. She said that she has the legal authority to talk to my spouse or employer. I demanded that collection calls are stopped immediately.