davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a Wal Mart card. Capital One now manages. Tried to make my payment at Walmart but they were unable to pull my account up now that Capital One runs it. I had lost my card and since that was how I paid it each month by swiping it at the counter I was not able to make my payment as I normally had in the past. I had asked for the associate to help get the account number but since they no longer handle it they could not do it. I called Capital One and requested a new card but since I was considered past due they would not issue another card nor would they provide my account number. I now have late charges and a decreased credit limit. Capital one is now making my minimum payment {$100.00} with a balance of {$200.00} I am a XXXX veteran on a fix income and Capital One is making it difficult to make my payment on time.
Consumer complaint received 2019-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried twice to correct a major error on my credit report. The information first came from lending tree, who claims the information comes from Trans Union. I have twice contacted lending tree to dispute this, and they say that they have verified the information which is impossible. I have never had student loans, as my education was paid for at the time I attended college and grad school which was XXXX through XXXX. If they truly tried to verify that they would find that my Social Security number or any information about myself does not match. They claim the loan was taken in XXXX, at which time I lived in Florida. Please try to help me with this, as they keep telling me its been verified. Thank you
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (CO)

While Attending XXXX XXXX University back in XXXX  XXXX I was using what's called a G.I. Bill from the military to go to school. All of sudden the G.I. Bill stopped paying and never closed outstanding student loans.
Consumer complaint received 2019-10-04
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. (NV)

I paid for an account to improve my credit. The company was financing a water filter that is connected to my house.It is an installment loan- one of the 3 bureaus has it as a mortgage. 
I called the XXXX XXXX and they say it is not a mortgage- I opened a dispute with Experian, they are the only copy reporting this as a mortgage.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I went to get gas for my car. I tried using my Bank Of America Debit card and it did not go through. I get to work and it takes 45 minutes to get alive person on the line. Once there is a human another 10 minutes to verify yet again, such an inconvenience to the customer. 

I speak to an individual that told me that my card did not work because my current card expiration date expired. I stated how can that be when it expires in XXXX and we are in the year XXXX. Totally ignored my statement and stated that. The company sent me another card that was activated. I asked how can that be I never received it. I am getting irate and there is over 20K on my card activated and the card is not in my possession. I am feeling like this is fraudulence occurring within the company. 

I hung up the phone as I was at work. I called back and spoke to a supervisor whom stated that they have no idea why my card was cut off. They advised that there are no current cards activated and the other representative misinformed me.I said I have no access to my funds she stated that the system glitches and cut my card off. I have no access to funds. I state this is suspicious and I feel like fraudulent activity is occurring, on my account. No response no assurance none whatsoever, just dead silence. 

This manager stated that they would expedite and overnight my new debit card, which is still not here. Supposedly it was ordered XX/XX/XXXX and it is XX/XX/XXXX still no access to my funds.. The most incompetent individuals that I have ever spoken with. No one knows anything. If I was not in the process of purchasing a ( n ) investment, I would take all my funds and go anywhere but Bank Of America.
Consumer complaint received 2020-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

As best I can tell I've made a dispute on all the credit services about the same debt. It comes back negative lender verified information. XXXX  file number XXXX Portfolio Recovery is the collection agency, I called them XX/XX/XXXX talked with XXXX XXXX and asked her politely about XXXX  now XXXX XXXX   {$2800.00} total owed on account. She described to me that sometime in XX/XX/XXXX the balance was {$1500.00}. I asked what document she was viewing because I stopped living at the location XX/XX/XXXX and moved to XXXX XXXX and was aware of any bill owed and indeed I did have a charge account for my business since XXXX for computers, printers etc. I closed the XXXX planners in XX/XX/XXXX. I was not using the account. I filed for SSA  XXXX  in XXXX and was awarded SSA XX/XX/XXXX it was further back-dated to XX/XX/XXXX. When I moved from XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX I suspended all mail. She XXXX XXXX explained several additional charges were made in XXXX and XX/XX/XXXX and XXXX respectively, I did Not live in the usa at the time. My wallet went missing and i lost a shell card andthe XXXX card as well as my XXXX debit card, i did not realize they were missing until i reached XXXX. I believe that charges were made to the XXXX account because the collector now states the new debt is {$2800.00}. How could it almost double in short time? accordingly I expect proof of debt they say I owe, rather I suspect subsequent charges to be validated as to when additional charges were made and what was indeed purchased
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

A former apartment community failed to follow state statutes regarding the return of the security deposit. I won a judgement against them in local court, but the proceed to file collections anyway. I told the creditor this debt was not owed, and they did not report the debt for 2.5 years. I then received a call, with no written letter in XXXX of XXXX saying there was a " glitch '' in the system and if I didnt pay right away they would fix the problem and report this invalid debt to hurt my credit profile. They have not sent proof of debt or tried to contact me since, but now are reporting to the credit companies for the first time since XXXX.
Consumer complaint received 2020-03-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

Hi, I was trying to dispute my collections from national credit Adjusters on my credit report which is not my debt at all and it is still on my record The original creditor cash 1. I would like it deleted indefinitely in exchange for settlement of the full amount XXXX. The both times I tried disputing it came back Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2020-03-13
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. (NC)

Ive not been contacted by the creditor, when I saw the issue on the report I contacted the company XXXX  XXXX, when I called them they couldnt talk to me as they stated my social security number did not match, Being the personal information does not match and Im not XXXX years old this is not my account. This should be removed from all the credit bureaus immediately. 
I will look at civil action against the bureaus and or creditors if this is not removed.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

Hi, Back in XXXX I had to get a new business account due to fraud alerts. That business account was the account I used to pay my cards with. I had auto payments set up to pay my cards but since I had to open a completely new account that changed everything. 

When I was with the banker he said that everything would go back to normal and I didn't have access to my account for 2-3 days. To keep the story short, I was never notified about the late payment or that I even had a late payment due.

The other story was with XXXX with a car loan. I called in and declared them to send me the payoff of the vehicle. I sent them the amount that they told me over the phone and apparently it wasn't enough to cover everything. I was short {$110.00} on a {$270000.00} payment.
Consumer complaint received 2020-03-03
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. (AR)

For the past several months I have be in touch with Transunion consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Transunion numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question.Transunion has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Transunion has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CO)

I have continuously received a debt collection letter from a company called IC System. This debt is supposedly for an overdue phone bill that I owe to XXXX XXXX. 

The issue here is that I, XXXX XXXX, have NEVER been a customer of XXXX XXXX in my life. I have never owned an account with them. So this is either a complete mistake or fraudulent collection notice. 

This collection notice resulted in a " hold '' on my credit report with XXXX, which resulted in my denial of a loan with my bank. 

On XX/XX/2020 I opened a dispute on this account with XXXX. The dispute was settled on XX/XX/2020. However, this item was not removed from my credit report. 

I then contacted XXXX XXXX on XX/XX/2020 to dispute the collection, and was told they could not help me. The woman that I spoke with said that I needed to contact IC System directly to dispute the collection. 

However, I have called IC System on three separate occasions, and was unable to reach a service representative. I waited for a rep to become available until I could no longer wait. Thus, I was never able to speak with anyone. 

It is for these reasons that I am filing this complaint. I want this false/fraudulent debt collection completely removed from my credit report altogether.
Consumer complaint received 2020-03-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

1. Wellsfargo refuses to provide the {$5000.00} to my Equity account that was from the Frank Dodd program, the month after the 6th Anniversary. 

Wellsfargo sent me the letter & when it's time for me to get the funds credited to my account, the response was, they did not offer what I just shared. 

My proof shows their employee XXXX sent me the information, & I returned the Frank Dodd document with my signature per XXXX who is an employee at that time & I believe she still works for Wellsfargo.

2. I'd also would like to know what the various codes pertaining to my Equity account.

I'd like to know what the following codes are & how it's affecting my account.

Codes used : 46 R, 46 P, 46 2, 30P, 36P, 36R, 3. I still feel that Wellsfargo has not truthfully serviced my Equity account in the manner it should be carried out.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I have tried to place a credit freeze with Equifax, but somehow they have merged my equifax credit with my deceased father 's equifax account. ( His name shows up on my account. ) The problem is, due to their error, I can not add a credit freeze on my Equifax file. 

I have tried to call in multiple times to fix this so that I can add a credit freeze, but their automated system will not allow me to speak with a live person, and it hangs up on me once I answer their automated questions. ( Since they somehow erroneously merged my account with my father, the answers I provide are triggered as incorrect. ) I havw also emailed Equifax multiple times to find someone who can help me fix their error, so that I can freeze my credit. I have had a couple of equifax eployees reply via email that I need to call in ( again, their phone system won't let me ).

I have asked on multiple times ( nicely ) to see if I can speak with a live person, but have not been connected to one yet. 

I can not afford to have my credit unfro, en this long .... I need to FIRST freeze my credit, ans then have equifax correct their mistake of merging my account with my deceased father 's equifax file. 

I am not mad, I'm just need this fixed quickly because it's jeapordizing my credit by not being able to freeze my credit. ( Especially with Equifax 's recent data breaches. ) Can you just help me get Equifax to correct their problem that is blocking me from putting a credit freeze on my account? It's crazy that they can, make an error like this but not help me connect with someone to help me fix this! 

Thank you so much, I appreciate your help very, very much. I've just worked VERY hard for good credit and their error is putting my credit and financial health at major risk. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

I am writing to request your help. I tried to resolve this issue with TD Bank previously and did not receive any type of help. I am just asking what is fair. TD Bank is reporting a late payment on my credit report that occurred due to my mail being stolen and preventing me to receive any statement or late notice for me to honor. I am aware it is my responsibility to make sure the payment is delivered on time however, I did not receive my statement. I even reported this to the law enforcement agencies ( see attached proof ). 

I have always made my payments on time and will continue to do so. After realizing the payment date, I immediately made the payment, but by that time I was already marked late. 

Again, this was a situation that I could not control. Now I have a perfect record of on-time payments. I am requesting that TD bank removes the late payment from my record. By the time of the late, I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue and I did never mean to be late. 

I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair.This late payment is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA. 

Account information : TD Bank USA/Target Credit. Account # XXXX. Opened XX/XX/2018, limit {$500.00}, status : paid and closed. This is the last step that I am taking before taking this issue to the next level and let the XXXX XXXX county courthouse take a decision.They have committed multiple violations under the FCRA, such as FAILING TO INVESTIGATE ACCOUNT AND FAILING TO MARK ACCOUNT AS DISPUTED AFTER THEY RECEIVED MY DISPUTE NOTICE. This is causing me financial and mental issues because my financial life is being ruined, I have not been able to obtain a loan of over 1,000,000 dollars and just because the late that TD Bank is reporting, which was not my fault. 

Thanks to whomever reads this complaint. See attached : - Letter sent to TD Bank and proof of fax ( which they ignored ) - Bank statement showing funds - FTC Report.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AL)

Comenity Bank has called me over and over again for an amount I owe them for a XXXX account. They call from different phone numbers each time and a recording plays or a real person speaks. I can not tell the difference between the recording and a real person. One recording is what sounds like a male and makes threatening statements ... '' ..you must act now or else ... '' and " be prepared to be contacted in person ''. 
Comenity Bank calls at all hours of the day and night. They have called before XXXX XXXX and called past XXXX XXXX. 
I have answered and told them to stop calling me, they refuse. I have asked for a current statement minus finance charges and late feed so I could see the exact amount I charged but they refuse to deal with me. They just call and call. 
2 phone numbers they have used are as follows : 1.  XXXX 2. XXXX 3. Unknown Caller ( numerous times a day ) Please help me!
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

XXXX XXXX XXXX XXXX  and beneficial was paid in full in XX/XX/2019. They both had removed the fraud and wrongful information off credit report but now placed this same fraud and wrongful information back onto my credit report Im an XXXX XXXX XXXX XXXX war veteran that needs to buy a new home and this wrongful information is preventing me from buy a new home that will accommodate my war XXXX Please take appropriate actions against these to companies for malicious fraud actions these companies have taken in putting this fraud information back onto my credit report
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DRS Financial LLC (NJ)

Im requesting information on the ORIGINAL COMPANY or whoever the debt collection company is working on behalf of so I can get more information about this debt. After calling they would only tell me the name alternative rental car which Ive never used. CFPB can not find them in their database either and has forwarded my complaint to them to the FTC. I tried to settle a debt that I do not know about because its hurting me credit wise.
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the refinance of a mortgage from Bank of America to another lender, the payoff amount was sent by the title company to Bank of America to pay off the old loan. This payment was sent XX/XX/2019 by XXXX XXXX XXXX XXXX, Fed Ref # XXXX. Bank of America did not process the payoff until XX/XX/2019 at a per diem interest charge of {$59.00}, which cost me {$230.00} ( 4 days x {$59.00} ). They claim they take up to 72 hours to process payoffs ( though this took 96 hours ). However, even though it takes up to 72 hours, they also charge an " Expedited Payoff Service Fee. '' To have them " investigate '' this further, they are requiring that I send in a written letter to which they will reply in written form. This will not only result in months of delay, but I am highly skeptical it will even result in a favorable outcome. Having it be in a written manner just allows Bank of America to take their time and to have this drag on as long as possible. 
The delay of 72 hours on payoffs an absurd way to keep another {$100.00} - {$200.00} from the hundreds of thousands of borrowers Bank of America services. On top of that, the Expedited Payoff Service Fee is yet another way to take as much money from the consumer as possible with no benefit to anyone, but the bank. Consumers pay for things if they get something in return ; there is no return service in this case. It does not take a company the size of Bank of America 72 hours to process a wire received with all aspect of the loan attached to the wire instructions. Every other loan servicer I have interacted with will process payoffs the same day as the wire received which is not only more efficient for the servicer, but actually helps the consumer by not paying on two loans at the same time.

I also wonder how title allows this. Wouldn't I have two 1st liens on my home at the same time for the four days?

I always find it interesting that a bank makes money by lending to consumers and charging those consumers interest, yet when the bank has the consumers ' money, they can hold onto it interest free for as long as they want.