davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (NJ)

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 need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-06-28
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: Velocity Portfolio Group (FL)

Upstart is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via Better Business Bureau responses, Upstart continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to Velocity Investments via the BBB, and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. Upstart just verifies without actually looking into the situation. With all of the documentation provided, including Upstart saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.
Consumer complaint received 2024-06-28
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: CITIBANK, N.A. (NC)

In XX/XX/XXXX, there were fraudulent charges to my Citibank credit card for purchases that were not made or authorized by me. In XX/XX/XXXX, I notified Citibank credit card about charges on account that were not made by me, owner of said credit card. Citibank was to investigate and to advise as to the next steps to be taken. 
In XX/XX/XXXX, charges were reversed on said account, which equaled a XXXX balance. The following month the charges were re-added, plus late fees and interest charges. 
After receiving the XX/XX/XXXX statement, I talked with Citibank XXXX Department many times to many people. The charges are for companies that do not exist nor do they have valid telephone numbers as shown on the credit card statements. 
Citibank XXXX Department indicated YES this is a scam, but have yet to correct the problem as of XX/XX/XXXX. I have never purchased in the past from either vendor. 
The vendors in question are as follows : XXXX XXXX -- XXXX ( per XX/XX/XXXX, this number has been disconnected ) XXXX XXXXXXXX XXXX XXXX XXXX ( sales rep answered phone as customer service and does not identify the company or the product. She does not know the business name of XXXX XXXX XXXX XXXXnd mentioned that her company deals with promotions. ) Due to Citibank 's actions, my XXXX XXXX has been severely damaged.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

To Whom It Make Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I financed a vehicle through Credit Acceptance Corporation for {$7800.00} on XX/XX/year>. The interest rate is 16.99 %. I have made every payment, monthly, for {$200.00}, totaling {$4700.00} to date. The cars engine died after merely 3 months and needed an engine replacement. 
The car has had too many additional bad issues & is essentially a lemon. For this reason I asked XXXX XXXX for a payoff quote. 
The amount theyre asking for now is an outrageous {$8200.00}. The actual amount owed is {$3100.00} plus interest of {$520.00}, totaling {$3600.00}. 
The company is unscrupulous, kindly assist.
Consumer complaint received 2024-07-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (GA)

On XX/XX/year> my car was declared a total loss in an accident. My insurance company, XXXX XXXX paid off most of my remaining loan balance to my lienholder, Bridgecrest. However, since my car 's value had depreciated, the insurance payout wasn't enough to cover the entire loan. Thankfully, my gap insurance policy with XXXX XXXX kicked in and covered the remaining difference. 

Despite receiving full payment for the loan, Bridgecrest, the company that services my loan, has continued to report inaccurate information to credit bureaus. 

These inaccuracies include : Insurance company payment : {$9500.00} Gap payment : $ remaining balance after insurance payment. 
Bridgecrest has not updated information on the credit bureaus after receiving payment and has continued to report inaccurate loan information in the amount of XXXX This miss in form a is apparenting as if I have more debit to income ratio which isn't correct
Consumer complaint received 2022-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Sales associate named XXXX XXXX XXXX XXXX, lied about the down payment required for the loan of my vehicle. I scheduled an appointment at XXXX XXXX XXXX and was pre-approved through Capital One Auto Finance and clearly informed XXXX that I did not want my credit to be ran because I had already decided who I was going to be financed by. With the required down payment verified by Capital One, XXXX gave misleading information stating my down payment was not {$630.00} as stated on my approval form from Capital One. He changed the down payment amount to {$4000.00} and never applied the amount to my loan. He stated it would be a deferred down payment and it was never reported. XXXX and the XXXX XXXX XXXX XXXX XXXX stated that the XXXX insurance was required and mandatory in order to complete my purchase of the vehicle. Desperate to purchase a car for reliable transportation to be able to successfully flee my XXXX, I made the purchase and signed everything in less than 30min. Upon reviewing my financial statements I noticed the deferred down payment was never reported and the optional add ons were not mandatory, they were optional. Also, the terms do not match what is reported on credit reports. When I requested verification with all documents containing my wet signature, I received a document that contained a signature that was not mine. I believe the signature was forged.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc. (AL)

I have started getting calls back to back from tower loans with no voicemails left. Are calling daily around XXXX XXXX. I have town them to only communicate with me by mail. This is follow up of the closed complaint case XXXX
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was an always on time customer with XXXX XXXX for years. I moved and cancelled my service. I shipped the receiver back to them with the box they shipped me. They claim they never received the receiver and billed my closed account for the hardware. I received no notification of this debt until I was passed onto collections. I do not feel I should have to pay for something I returned on time. They are being dishonest and will not make any changes to my credit posting. I would gladly donate the {$440.00} to charity but XXXX should not be able to extort customers.
Consumer complaint received 2024-01-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (OR)

Months ago, I called Mohela to ask that my payment due date be changed to the XXXX of the month. It was formerly the XXXX. 

On XX/XX/XXXX, I received a written message from Mohela saying that I was approved for a " new '' IDR plan that would take effect XX/XX/XXXX. My payment amount was higher with this new plan. I was on PAYE before, and PAYE now. This makes no sense as I did not apply for a new plan, and I did not re-certify my income. I did nothing to trigger this letter or payment change. Furthermore, the effective date of the plan change is XX/XX/XXXX, but they are charging me the increased amount effective now. 

I called Mohela customer service on XX/XX/XXXX for an explanation. They are claiming that merely changing my due date allows them to obtain and update my income. They claim this policy was in the " fine print '' when you apply for an IDR plan initially. I can not find evidence of Mohela 's claim anywhere. Regulations clearly show that you can change your payment due date without triggering a payment increase or change in IDR plan. 

My best guess is that they applied for PAYE with new income info, when I was already on PAYE. I absolutely did not authorize this change in any way. Their phone recordings will clearly show this. I made a very specific request to change my due date. That is it. Now, I am stuck with a higher payment amount through no fault of my own. To make matters worse, the new higher payment starts XX/XX/XXXX, but the payment increase reflected on my account immediately.
Consumer complaint received 2024-05-06
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: SANTANDER HOLDINGS USA, INC. (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: First Technology Federal Credit Union (NC)

I bought the gap insurance when I purchase my car in XX/XX/XXXX. The dealership XXXX XXXX told me that it would pay off the remainder of the loan when the insurance wont pay no matter the balance. Well the car was totaled on XXXX the XXXX this year. I owed XXXX on the car. XXXX XXXX paid XXXX. XXXX  on XXXX gave me XXXX dollars. I contacted the company and they said they would recalculate the check but I needed to cancel my vehicle service agreement. So I went to the dealership and canceled it. Got a call from the lender First Tech Federal Credit Union telling me XXXX  was not going to cover the remaining balance because there was negative equity in the car. I was not told this at the time I purchased the car. They told me that they would pay off the remaining balance. I was scammed and they took my money and lied. Now I have to XXXX, because that will not pay.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

XX/XX/24 received letter of investigation from Barclays Bank in Delaware it was a card on my credit karma that I did not authorize. XXXX received letter that the investigation was concluded and I opened the acct and responsible for XXXX. I DID NOT OPEN THIS ACCT
Consumer complaint received 2024-05-08
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: SYNCHRONY FINANCIAL (NV)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below. SYNCHRONY BANK XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form for my tax filing.
Consumer complaint received 2024-05-08
Product: Credit 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: GOLDMAN SACHS BANK USA (OH)

The fraudulent charge was made to my account XX/XX/year> in the amount of {$2000.00} from XXXX XXXX. That same day, I received a text asking if we recognized the charge and immediately responded NO. The charge went through anyway. I have called and emailed disputes to this charge. On XXXX I emailed Goldman Sachs with my supporting information that the charge is not legitimate. For the 3rd time they have found the " charge '' to be valid and put it back on my card. Today, XXXX I have called and emailed Marcus by Goldman Sachs again disputing the charge, the dispute number is XXXX. I have no history of disputing charges and have been a regular and timely payor. Today 's contact did not offer what supporting information they are using for this charge.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OH)

I Was working out at the XXXX XXXX in XXXX XXXX on Wednesday XX/XX/XXXX around XXXX to about XXXX. I try to workout for about 3-4 hours I put my phone along with my workout bag and other personal items inside of the locker that is provided at XXXX XXXX like I always do and never had a problem until Wednesday Someone went in the locker room while I was working out and stole my phone, wallet, my US bank card, XXXX XXXX credit card The pin to my US bank card was mailed out to me and I kept that piece of paper folded up in my wallet because I tend to forget things a lot and didnt want to forget the pin to my card XXXX XXXX told me that they would check the cameras and let me know something but I still havent heard anything back yet I had multiple unauthorized transactions on my account that were done on my US bank account from Wednesday XX/XX/XXXX up until XX/XX/XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

One of three credit bureaus reported that has been not removed by XXXX XXXX  unresolved yet ( Experian ) because debt management settlement program has been working on negotiation teams with them but not settlement yet
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OR)

Chime closed my account without notice or warning whilst the account had {$2700.00} dollars in it .... Then when I call I get told that the account has been closed and I would not be receiving any remaining funds back that were in the account .... The money in that account was from my insurance company cause I was recently involved in a car accident and that was my pay out from them .... I have a XXXX XXXX and a XXXX XXXX ... That was the pay out from my insurance and there going to tell me we're keeping your money and we don't need to give you a reason??? I'm certain that's illegal here in the United States and there must be something that can be done about this.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (NV)

I made a purchase on XXXX on XX/XX/year> at XXXX Hrs. I was unable to reach the vendor sellign the item, so today I cancelled the order. XXXX XXXX attempted to issue a refund for {$690.00}, but my debit card was locked at the time the credit transaction was initiated, so XXXX XXXX blocked the credit transaction. 

I used PayPal to make the purchase in order to be protected. However, they are the one who are witholding my money now. I have made several attempts to resolve this issue with them, but the refuse to help me. They keep saying give it 3-5 business days to post. They aren't even listening to me. I cant get them to understand that the transaction was already attempted but declined by my bank due to my debit card being locked. 

I just want my money back for the canceled order. I have attached screenshots of the transaction being blocked ( email from XXXX XXXX ), along with the order cancellation confirmation from XXXX XXXX.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (FL)

Before 10 days ago I accidentaly opened a credit card called Milestone. 
I immediately after opening that credit card, called them and told them to close that account because I created it by accident. They told me that they closed the account but actually they didnt. 
I called them again after 3-4 days and they said the same thing and now that credit account is still open! Also they want me to pay XXXX $ that I never used that credit card!
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness. 

Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/year>2017 Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.