davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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: DISCOVER BANK (IN)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai motor credit is reporting on my credit reports that this account was paid for last and written off this account was paid in full and needs to be deleted off my credit report they report it one minute that it was paid in full then they put that I hadn't paid I need this delete it today from all three of the credit reports
Consumer complaint received 2024-06-25
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: Credit Corp Solutions Inc. (TX)

I opened a card with Verve in XXXX, around XX/XX/XXXX I converted to XXXX XXXX and all debt that occurred before XX/XX/XXXX was declared by the United States Bankruptcy court to have no recoverable XXXX, and therefor was awarded a discharge of all debts that we incurred prior to the conversion to XXXX XXXX XXXX 

Case Number : XXXX Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt was purchased by a debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who should not have purchased this debt and is reporting false information on my credit report and trying to collect.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX and XX/XX/2023, I noticed two charges on my TD bank credit card in the amount of {$310.00} each for XXXX XXXX tickets. I immediately called the bank because the charges were still " pending '' and I was told until they posted there was nothing that could be done about it. Once the charges posted, I called back and disputed the purchases again and they gave me a provisional credit for the {$620.00} that was charged to my account. Next month, I was checking my account and noticed the charges had re appeared. I called the bank back to find out if my new credit card was also hacked, and they explained to me that they took away the provisional credit because the purchase was made using my card number and the zip code and CVV number which meant it wasn't fraud. I have since appealed the case 3 times, all being denied and I don't know what else to do. I have done everything that the bank has asked including fling a police report and bringing them a copy of it. I didn't make these purchases and I called and let the bank know they were fraudulent before they were even posted. The bank is now insisting I contact the FBI and fill out a report with them. I currently have spent over 5 hours on the phone and had to take off of work for 2 days in regard to this situation. I feel scammed by the credit card company because I let them know right away that these purchases weren't made by me and they did nothing about it and now they say there is nothing they can do.
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (WA)

I hired XXXX XXXX XXXX to consolidate my credit card debt. They did not pay any of it off and transferred it to XXXX XXXX XXXX, who transferred it to XXXX XXXX. I learned that none of these groups actually paid anything off when LVNV Funding LLC and XXXX XXXX XXXX attempted to collect {$1600.00} and {$600.00}, respectively. 

There are still five more credit debts unpaid, so we expect more collectors to come. The law groups have not shown what they did with my money.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (TX)

I did not receive any notice about this account. I'm not aware of this past due balance or even if it's mine to begin with. This company placed the account on my credit report without notice or verification. I do not have any past due accounts either.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My account with CITIZENS BANK NA was never late! I have had exceptional payment history with CITIZENS BANK NA and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


CITIZENS BANK NA Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had several Capital One accounts always in good terms and they decided to close all my accounts all of the sudden because of something they saw in my personal records pertaining to a legal issue that I had long time ago, way before even applying for those cards. I only had one bump in my past and I paid for it long before applying for my Capital One cards. The closure of my credit accounts will definitely hurt my credit and consequently my future aspirations in life including the one to obtain a General Contractor 's license.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NY)

ive became aware of this fraudulent loans being open under my identity due to various calls this was later followed by dmv contact me about my address change which i didnt not authorize over the last few months i contacted police the credit and banks try to impose my right and have these fraudulent accounts and inqurie removed i am a victim of identity theft and have enclosed a copy of my police report/ftc/license and social security card, i am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. i have relate to any transactions that i have made therefore, i am requesting that these accounts be completely removed and blocked from my credit file. this is not a regular dispute i have filed a complaint with the federal trade commission to document to document beimg a victim of identity theft.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX- I opened a checking account for my son, and when I opened it, I keyed in the incorrect SSN. Upon discovering this, I called XXXX, and reported it. They wanted me to forge a federal document ( W-9 ), and sign my name to my son 's information, to correct the SSN, that they allowed to be opened in the first place without a W-9. The " Certification '' section of the W-9 certifies that " The number shown on this form is MY correct taxpayer identification number. '' And since it is NOT MINE, I can not sign it. I verified that can sign a W-9, since it is NOT a contract, and just attesting to the correct information. They refuse to correct the information, and are refusing to give me my deposit of {$50.00} back.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (PA)

Target card. I paid the full balance several months in a row. I made the minimum payment on time ; however, the full balance was paid 2 days after the due date. I was charged full interest and no pro-ration applied. Target refunded one month of the interest to me, but refused to refund any of the other months of interest I was charged, despite the full balance being paid.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc. (NJ)

Subject : Formal Complaint Regarding Failure to Provide Background Report I am writing to formally complain about the difficulties I have encountered in obtaining a copy of my background report from HireRight. Over the past four months, I have made multiple attempts to receive this report, but my efforts have been consistently thwarted. 
On two separate occasions, HireRight provided me with a link and a password to access my background report. However, the passwords provided were invalid, rendering me unable to access my report. Despite following up on this issue, the problem remains unresolved. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a copy of my background report. HireRights failure to provide me with this information in a timely and accurate manner is not only frustrating but also a violation of my rights under the FCRA. 
I request that HireRight : 1. Provide me with a correct and accessible link and password to my background report immediately.

2. Conduct a thorough investigation into why my initial requests were not fulfilled.

3. Take the necessary steps to ensure that such issues do not recur in the future. 
Please treat this matter with the urgency it deserves. I expect a response and resolution to my complaint within 14 days of receipt of this letter. If this issue is not resolved promptly, I will consider taking further action, including but not limited to filing a complaint United State District COURT and seeking legal advice.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (FL)

At this moment. I am in litigations with XXXX company.. complaint files first one XXXX. Second # XXXX. Third # XXXX. One is a consumer agency. XXXX. The other is Goldman Sachs. And XXXX XXXX funding. There seems to be some miscommunication I the consumer and they the corporations in this litigation and disputes. I XXXX XXXX would like all three companies to send me any documents/paperwork/evidence : or any written document they have supporting the allegations through mail. Certified mail. As a consumer doing business I have legal rights to so these documents that support there claims.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NJ)

There was an issue with the bank in 2020 and the credit card wells fargo where the bank was from what i understand short staffed and ended up having a problem with a deposit, meantime the wells fargo payment got messed up, with short funds. i worked out hte issue with td bank but wells fargo refuses to remove this one 30 day late issue. 

trying to get in touch with people is very time consuming and seems no one ca fix this. my credit otherwise is prestine. no lates on any other accounts.
Consumer complaint received 2023-04-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (PA)

I have a VA mortgage with M & T bank. I was struggle to make the payment due to financial issues related to COVID health issues. I reached out to them and was placed in forbearance. I was told that I had the option to do a partial claim when I resumed my payments. The forbearance started with XX/XX/XXXX payment. I am now exiting the forbearance and resuming payments on XX/XX/XXXX. I am now being told that the partial claim option was discontinued in XX/XX/XXXX and I have to make all payments in lump sum, spread out over 6 months or refinance at a MUCH higher rate 3.0 % to 6-7 %. I feel that I was lied to when I entered this forbearance with the goal of upping my rate. I can not afford lump sum or to repay an extra XXXX a month for 6 months or pay a new mortgage payment that is substantially higher than my current. I feel that I would have been better off paying what I could and trying to keep the delinquency less than 30 days until I could bounce back financially. I just think this was deceptive fraudulent practice for the bank to make more money off an already struggling client.
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I received a payment of {$95.00} on my XXXX XXXX And it was a mistake by the person who sent it... 
I have automatic overdrive protection on my account. And I was overdrawn, so when this person sent the XXXX XXXX XXXX, it applied to my overdraft thus not allowing me to refund her {$95.00}. 
Eye contacted Cash App customer support. Explain the situation and ask them to refund or reverse that XXXX XXXX XXXX  from XXXX account back to this XXXX  XXXX could have her {$95.00} back. They will not do it. And I don't have the funds to send her {$95.00} back, Because XXXX XXXX of it was applied to my overdraft, which could be undone and reversed, but they will not do it. 

They are basically letting me steal this lady 's money. And I don't want to steal her money I want her to have it back
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Reliable Credit Association, Inc. (WA)

I requested in writing debt validation and or the 1099-C regarding the alleged debt associated with my name, As per the FDCPA, I am entitled to receive validation of the debt, including but not limited to Disclosure proving the debt amount of payment. The original collectors debt history and an itemization of all of the payment history. The original contract with my wet signature, all of the credits I may have calculated applied and any additional fees. Any disputed interest or charges and also if the debt was canceled a copy of the 1099-C, which reflects the cancellation of my debt. This document is essential for me to properly address any tax responsibilities and navigate my current financial situation.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/year>, a charge of {$10000.00} was made on my American Express Card that I did not make or authorize. The attached document shows the amount and illustrates that it does not align with my spending habits or location. The purchase was made in XXXX, FL, while I reside in Texas. This purchase was set up for " pay over time '' When I did not set this up and did not make this purchase. I am the only authorized user on my account and have reported this fraud to American Express.
Consumer complaint received 2023-11-15
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX  XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I have requested over 10 times since XXXX for XXXX, XXXX, and XXXX to remove this account that i have also directly requested to be removed from the credit directly. Pentagon Federal Credit Union I am writing to bring to your immediate attention a serious issue regarding unauthorized charges on my credit report that have persisted since XXXX. Despite my numerous efforts to resolve this matter, it remains unresolved, and my credit continues to be adversely affected and my life financially harmed. Please see attached police report In XXXX, I received a credit report indicating unauthorized charges. I promptly contacted the company to dispute these charges, providing them with a police report to support my claim of identity theft. 

However, the company erroneously asserted that the charges belonged to me, despite the clear evidence I presented. It is now XXXX, and these unauthorized charges are still being reported on my credit. My repeated requests to have this erroneous information removed have been ignored. This practice is illegal, as is the continued reporting of this debt, particularly when I have furnished proof of identity theft to both the credit bureaus and the bank involved. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g. Please see attached credit report According to the ruling in XXXX v. XXXX XXXX XXXX XXXX, if no proof of the alleged debt is provided, then no debt exists. 

To date, I have never received any documentation substantiating the claim that I owe this debt. Moreover, the statute of limitations has long since expired. The continuous reporting of this false debt not only violates my consumer rights to privacy but also constitutes false misrepresentation, mail fraud, and identity theft. 

The financial harm caused by this situation has been ongoing for almost 7 years, severely impacting my life. 15 U.S.Code 1692a ( 6 ) states Pentagon Federal Credit Union and subsequent buyers are all debt collectors by law. They are not registered in my state of Georgia. 15 U.S.Code 1692c ( b ) law. However the debt collector, Pentagon Federal Credit Union and the subsequent debt collectors have communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). I also did a certified search for any debts owed by me to others in the state of GA and there are none. Please see attached ucc lien search. How does one owe with a debt collector who is not registered and also has not filed a lien since the alleged debt was owed. Where are they getting their debt validated from? 

Attached is my original dispute. Its still reporting after being deleted years ago. This is a metro 2 compliance violation. 15usc 1692j is violated as well.