davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I missed a XXXX XXXX flight due to late cruise ship arrival at XXXX On Saturday XXXX XXXX, 2016. I could not call and I did not expect a refund. That day I called to make a new reservation for the following day. I then called hotels and found they we all booked due to weather issues. I immediately called back Spirit to cancel the reservation and was told that I could not because it was less than seven days since I made the reservation. Well that was obvious. I argued to no avail. I later found out that I could cancel the reservation within seven days as per XXXX XXXX on-line cancellation policy, see attached document. I then called and spoke to a Capital One reservation agent and described my plight the agent, name XXXX, Operator Number XXXX she assured me I would not get charged. I was subsequently was charged and disputed the charge see attached document dated XXXX XXXX, 2016. The charge was subsequently reversed. I was notified there was additional information from XXXX XXXX by Capital One on XXXX XXXX, 2016, but I did not receive any additional information until XXXX XXXX, 2016. Capital One stated that they were recharging me the {$490.00}. The letter XXXX XXXX sent see attached is completely untrue and they failed to follow their own policy. I received a letter on XXXX XXXX, from Capital One that completely ignored the issues I outlined in XXXX XXXX XXXX 2016 letter to them and they closed the case. Capital One did not follow required guidelines in resolving my complaint. The issue was not resolved within 2 billing periods as required by law. I have never felt so aggrieved by XXXX companies as I do these XXXX. Please help me to remove the charge from my account. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

When gathering my annual credit report on-line, both XXXX and XXXX provided the report without a problem. The Experian credit report failed repeatedly to do so, with a reference only noting that they are " unable to provide the report ''. There is no provided means of disputing or calling for the required free annual report at XXXX or at experian.com sites ( or via phone to Experian ).
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (CA)

Complaint against EXPERIAN for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Termination : XX/XX/year> ( R ) XX/XX/year> ( R ) I previously filed a dispute with EXPERIAN regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EXPERIAN failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EXPERIAN 's failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EXPERIAN for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EXPERIAN complies with its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-09-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2010, I financed a used vehicle with Capital One Auto Finance. The original amount financed was about {$23000.00} with a monthly payment of {$530.00}. I have paid on the account since 2010 and the balance is currently reported at about {$2600.00} after over 6 years. I noticed when reviewing my account that they are applying about 50 % of my payments towards interest despite the fact that my interest rate is about 18 %! For instance, when making a {$530.00} payment ; the report says that about {$400.00} is applied to principal and {$100.00} applied to interest! This practice has gone on for as far back as I am able to view online. There is absolutely no way that this is accurate! They have also reportedly lowered and raised the balance after credit disputes. Their practices are absolutely dishonest and I will be contacting an attorney for review in the next week. I am greatly disturbed by this company and its practices. I then called because the website would not work to get me 4 extra months or even 3 months to add to an auto loan so I called customer service, she was rude and very knowledgeable, keep putting me on hold because she did n't have the answers to my questions. I then received a call from a lady from Capital One Finance office and she said that I would have to pay at least XXXX by XXXX XXXX for them to even consider allowing me to get extra months added to my loan. For my loan to be considered paid in full all I owe is XXXX which is about 4 payments at the regular rate.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXXXXXX Balance : {$0.00}-
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

I opened an account with XXXX XXXX IN 2013. The issuing bank was XXXX XXXX. Shortly after, the account was converted to a XXXX XXXX account. Apparently at some point the account was purchased by XXXX XXXX and converted to XXXX XXXX. I was not aware of this change until I received a bill stating I was past due. I immediately called asking what this card was and was informed of the change to XXXX XXXX XXXX. I explained that had I known the account changed and I owed the balance I would n't have defaulted. I paid the balance in full and was informed the account would be corrected to NEVER LATE and closed. The account should be reported as XXXX XXXX XXXX with a {$0.00} balance and never late. All information they have reported is incorrect and should be corrected and updated immediately.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I fell on hard times this past year. I spoke with the company and explained what happened. They continue to call me with a " robo call '', leaving a message every time. This occurs 5-6 times a day, between the hours of XXXX and XXXX. This also includes weekends and holidays.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I attempted to dispute a charge on my card and was told because I have a previous relationship with the vendor, they are allowed to store my card and bill me with no dispute authority. They allowed this charge despite the fact it would take me greatly over my limit. The only option I was given was to make an extra payment to bring my account balance back under the limit to avoid a negative mark on my credit report.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

DPT OF TREASURY XXXX XXXX XXXX XXXX, XXXX, XXXX.XXXX XXXX. PUT XXXX CHARGES THAT I PAID AT VA HOSPITAL THE DAY I GOT MED THEY HELD EACH OVER AND PUT THEM ON MY CREDIT PROFILE AFTER I HAD PAID THEM STATING PAYMENT AFTER CHARGE OFF/COLLECTION /PAID COLLECTION. I NEED MY CREDIT I HAVE. THIS IS CREATING ME PROBLEMS OF BAD CREDIT. PLEASE HELP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR {$72.00}, XXXX FOR {$56.00}. BOTH PAID BY CHECK AT VA XXXX. I NEED THESE REMOVED TO IMPROVE MY CREDIT. WHEN BILLED I PAY MY BILLS. PHONE:XXXX. I STILL AM FED LAW ENFORCEMENT OFFICER FROM XXXX. NOT AFRAID TO PUBLISH WHAT I HAVE AS ALL INFO SEEKERS ARE ACCOUNTED FOR BY XXXX, COMP ID BY THE SECURTIES I HAVE.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Union Adjustment Company, Inc. (CA)

I received a collection notice from " UNION ADJUSTMENT CO '' regarding debt amount of {$4200.00} on behalf of " XXXX '' at XX/XX/2017. 
The notice asked to pay the total mentioned amount or dispute by mail within 30 days, so the dispute letter has been sent at XX/XX/2017 by certify mail. 
But according to the " XXXX '' report the collection agency opened collection account by the end of XX/XX/XXXX on " XXXX '' and then couple days later they opened the same account in " XXXX '' as well. 
Please consider there is no remaining balance between me and original creditor which is XXXX and i did not receive any bill before and certainly there is no strong documents to proof their claim like court order or something like that. 
Its like their abusing regarded laws and trying to collect money by partnering with collection agency which is obviously unlawful and potentially can be sued in court.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion Credit reporting agency and talk to a representative regarding unauthorized inquiries and the rep was very rude and just would not cooperate and understand my sense of urgency regarding this unauthorized inquiries. 
Please find below a list of the inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX In addition to the above there is a XXXX credit card that is reporting as a 30 day late payment, and I have never made late payments. Below is that information. 
Negative Accounts Closed Accounts XXXX XXXX TransUnion XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : {$3000.00} Account Status : As Agreed Past Due Amount : {$0.00} Comments : LAST REPORTED DELINQUENCIES : XXXX ACCOUNT CLOSED BY CONSUMER Hide Details XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I would appreciate you immediate attention to this matter.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I took a test drive at XXXX IN XXXX, ARKANSAS on XXXX XXXX, 2015 and specifically ask if they would run hard inquiries because I just recent had the last XXXX removed. They said " no hard inquires would be ran '' and they had XXXX banks run hard inquires which lowered my credit score XXXX and assumed 2 year expiration period. I did not authorize any hard inquires. Can you please help. 

Thank you, XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2023-01-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

It was an offer that if I open a savings account and make three deposits over 3 months you would get a {$100.00} bonus award added to your account- knowing that these things are tricky to navigate I called the bank directly and requested a rep walk me through the process and they did. After three months when I did not receive the award I called and told them my story and how I had the rep walk me through it and the bank did follow up and check the tapes of my call and indeed the rep was incorrect in their instructions so i would be granted the {$100.00} in XX/XX/2022 when the promo ended. Just keep your money there I was told. XXXX came and went and I called once again. This time to be told the manager who granted that solution was no longer with the firm and I should forget about it they r not doing it and on top of it charged me a service fee! They did reverse the fee but that was all they did. The rest hangs in limbo. I feel misled and taken advantage of quite powerless. I am asking for your help to resolve this as it is still an open issue. Thank you.
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (TX)

I already paid this debt off to the XXXX XXXX XXXX and as of XX/XX/2019 I am paid up/paid off all debts owed to the XXXX XXXX XXXX. This amount listed from Contract Callers is not only inaccurate but it is false, I want this removed from all 3 credit bureaus. 

I can show a bill that shows my account was current and still being billed on the date the Contract callers dinged my credit profile for the false amount of {$410.00} shown.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a payday loan with XXXX XXXX in XXXX of XXXX. It became delinquent immediately. In XXXX of XXXX, they turned the collection over to XXXX XXXX XXXX. The obsolescence date for the 7 year time frame for falling off my file would have been XXXX. But XXXX put that date as XXXX ... when they received the collection. This is a violation of my federal rights. I disputed this with Trans Union and they left it on my file.
Consumer complaint received 2015-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FX Quick Cash, LLC (TX)

My daughter is extremely ill and this business has been notified. They have been informed numerous times about this. They have disclosed her personal information, called her cell phone numerous times ( as her family is in possession of it at this time ), stated she has a " claim '' etc. I have filed a complaint with the XXXX the Federal Trade Commission, and now your agency.
Consumer complaint received 2017-01-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

My home was foreclosed on Penny Mac through XXXX attorney 's at XXXX. I have requested the documents from Penny Mac which was suppose to provide me notice of the foreclosure, which I never received. My job takes me from XXXX to XXXX however, I was laid off and requested assistance which Penny Mac refused to provide and kept referring me to the Attorneys Office. The law states I was to have a certified letter giving me notice no letter was received either by Penny Mac or the XXXX law offices.
Consumer complaint received 2016-03-15
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems (TN)

This old lender continues to sell old debt that keeps showing up on my credit report after being taken off several times. Then the new collector puts it on my credit report likes its a new debt and its a debts from XX/XX/XXXX or XX/XX/XXXX
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Delinquent account — 
Company: Data and Contact Management Solutions, LLC (NY)

On XXXX/XXXX/2016, DCM Services, a debt collector, left a message for me ( the executor of an estate ) on my home voicemail, that was listened to by my daughter and her friends while I was not at home. The call came from XXXX XXXX XXXX ... " Hello this XXXX XXXX XXXX at DCM Services. This is a private message for ________. We are a debt collector attempting to collect a debt of the late__________. Please call me immediately at ... .. '' Although they stated that this is a private message and " if you are not ________, please do not listen to this message. ", they are not authorized to call my home and direct the persons living there as to what they can and can not do in the privacy of our home. I have asked this company to put any requests for information in writing, and I have directed them not to call my home again, prior to this call.
Consumer complaint received 2024-08-13
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. (NC)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2016-08-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial Systems has once again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the 6th time that this fraudulent account has appeared on my credit reports and the 4th time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has well over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of XXXX as well as the XXXX Attorney General & the XXXX. I am also filing a complaint with XXXX XXXX for code of conduct violations. 
It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive, deceptive and illegal behavior.